vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX, Florida. When I signed the loan paperwork at the dealership, the XXXX and loan terms were much lower than what the lender later reported. 

After requesting a copy of my loan documents from the lender, I discovered that the interest rate, total loan amount, and other terms were changed and some of the documents do not even contain my signature. 

This appears to be a bait-and-switch and predatory lending scheme. The dealership also added about {$1800.00} in unexplained mandatory fees that were never disclosed or approved by me. 

I am now upside down by approximately {$25000.00} on the vehicle because of these deceptive practices. 

I am a widow, and I believe the dealership took advantage of my situation by manipulating the paperwork and inflating the loan terms. 

After researching reviews, I found that many other customers have reported identical issues with this same dealership including hidden fees, altered documents, and unauthorized loan changes. 

Please investigate XXXX XXXX for illegal predatory lending, bait-and-switch sales tactics, and falsified loan documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Saturday XX/XX/XXXX I deposited a check from my XXXX account, I had to make a hardship withdrawal due to having XXXX XXXX and being out of work. The check was received by them on Monday and I got an email saying it was deposited. Almost immediately following I received another email which said After an in-depth review of the check deposits you made on XX/XX/XXXX, into your account ending in XXXX, we believe theres an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, weve decided to delay the availability of all or part of {$4900.00} until XX/XX/XXXX. Which is understandable, I expected a hold for a few days according to federal law. 
I went about my business and then received another email which said After reviewing your check deposit activity on XX/XX/XXXX for your account ending in XXXX, the availability of {$4900.00} has been delayed until XXXX. 

Based on confidential information, XXXX or more of the check deposits may not be paid. 

I contacted the company who issued the check and their bank as I was quite concerned, as mentioned this is from my XXXX at my job so I was a bit worried that something was wrong. 
They assured me everything on their end is fine and thay its intact already been issued to them! 

The entire reason that I did a hardship withdrawal is due to life saving medications and doctors appointments and medical procedures I need done. I called the bank and asked them again why is there an extended hold she said well if there is a concern we place a XXXX  day hold on the check. Her name was XXXX and she said shes part of the management team at capital one. She was quite rude I asked for the matter to be escalated and she said yep well it can take XXXX days soooo I said I dont care I need it escalated bc this is ridiculous, youre telling me there is an extended hold on my check and refusing to tell me why. She said we do not discuss risk factors with our customers. Which makes XXXX sense as its my money in my account. 
I asked her to please do a partial release she was short and rude and said they will not even though the check has been cleared on the issuing banks side it doesnt matter. 
I have been banking with Capital One for years now and I have never had any issues with my accounts, any unusual activity, nothing for them to treat me this way. 
I need assistance in this matter please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT 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

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
Since approximately XX/XX/year>, I have been contacted almost daily by this debt collection company through phone calls, emails, and text messages regarding a debt I do not recognize. These contacts have continued through XX/XX/year>, despite my repeated verbal and written requests for them to stop contacting me by phone and electronic message. 

I have screenshots, call logs, and copies of messages showing the ongoing contact attempts. The company has also left multiple voicemails. I have informed them that I do not acknowledge this debt and have requested that all communication be in writing only, and that they provide written validation of the alleged debt. 

Despite these requests, they continue to reach out daily by multiple methods. This repeated and unwanted contact has caused stress and inconvenience. I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and requires XXXX to cease communication upon a consumers written request. 

I am requesting that this company be directed to stop all phone calls, text messages, and emails immediately, and confirm that they will comply with the FDCPA and only communicate in writing, if necessary. 

Account name : Plaza Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Both XXXX XXXX XXXX, XXXX. and Capital One Bank ( XXXX ), XXXX. are inaccurately reporting charged-off credit card accounts on my credit reports. These accounts were charged off and subsequently sold or assigned to third-party debt collection agencies. Once an original creditor sells a charged-off debt, it no longer retains a financial interest in that account, and under the Fair Credit Reporting Act ( FCRA ), the creditors tradeline should reflect a XXXX balance and indicate the account was sold or transferred. 

Despite this, both banks continue to report outstanding balances as if the debts remain owed to them. This misrepresents my total indebtedness by more than {$10000.00} and constitutes inaccurate reporting in violation of 15 U.S.C. 1681s-2 ( a ). 

I have disputed these inaccuracies with the credit reporting agencies multiple times. The accounts have been temporarily corrected or deleted, but they are repeatedly reinserted without proper notice or reinvestigation, violating 15 U.S.C. 1681i ( a ) ( 5 ).

I am requesting the CFPB to investigate and require the furnishers to : XXXX. Report the accounts with a XXXX balance and note they were sold or transferred ; XXXX. Permanently cease reinserting this inaccurate information ; and XXXX. Confirm in writing that these creditors no longer claim ownership or financial interest in these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE INFORMATION SHOWN DOES NOT MATCH MY VERIFIED PAYMENT RECORDS.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint regarding Capital One Banks mishandling of my dispute for a transaction of {$110.00} charged by XXXX XXXX on XX/XX/year>. 

I paid in advance for a parking space to use on XX/XX/year>, but upon arrival, the space was not suitable for my vehicle due to physical obstruction ( a large tree blocking the spot ). I immediately contacted the host through the XXXX platform, as shown in the attached screenshots. The host himself acknowledged the issue, confirmed there was no available space, and ended my reservation, telling me to contact XXXX for a refund. I did not use or occupy the parking space. 

I opened a dispute with Capital One the next day, on XX/XX/year>. The bank initially issued a temporary credit and promised to contact me for supporting evidence. However, Capital One closed my claim without any notification, never requested my proof, and ignored my multiple follow-up emails and phone calls. 

Later, I received a denial letter from the bank citing a monthly recurring service that was used, based on misleading information provided by XXXX. The merchants statement falsely claims that I used the space and never requested cancellation, despite clear written proof that : 1. The host personally confirmed the space was unusable.

2. He canceled my reservation directly.

3. I immediately requested a refund in writing.

I also mailed a formal dispute letter with documentation to Capital One via XXXX ( receipt attached ) and received no response. 

This situation caused financial and emotional XXXX  and demonstrates a failure by Capital One to follow the Fair Credit Billing Act ( FCBA ) procedures by : Closing the dispute without proper investigation ; Failing to communicate or request supporting evidence ; Ignoring written correspondence and documentation. 

I respectfully request the CFPBs assistance in reviewing this matter and ensuring that Capital One reopens my claim and issues a refund of {$110.00}, as the service was not provided. 

Attached are all relevant documents, including : 1. Banks denial letter ( XXXX  merchant response ) 2. Full chat transcript with the host ( proof of unusable space and cancellation ) 3. XXXX proof of mailed dispute letter 4. Screenshots of unanswered emails and calls to the bank Thank you for your time and for helping to protect consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX/ # XXXX * XXXX XXXX XXXX XX/XX/XXXX -Balance {$660.00} 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> at XXXX, I was a victim of a scam involving credit card fraud in XXXX. XXXX men impersonated working for a charity asked me for money. I tapped on a {$10.00} transaction for a merchant name that did not match my statement. I asked the men for a receipt, and they did not give me one. XXXX man took my phone from my hand saying that I needed to access a website to get a receipt. While he had my phone, he texted back the fraud alert for a {$5000.00} transaction then deleted it so I did not see it until that night. They distracted me by asking me to sign my signature and write my name down while he did it under the rouse of having a record of donators. There were other signature on this paper. Somehow, they ran up {$40000.00} in additional charges within XXXX minutes on my card. I did not receive a fraud alert from XXXX XXXXXXXX XXXX for any of these subsequent charges. These charges took me over my credit limit of {$28000.00} ( {$2000.00} already extended ) by {$19000.00}. There is an active police report for this incident. I have submitted a fraud claim to my credit card company. The bank initially claimed that this was legitimate. 

When I look at the transaction history on this account, I can see that the merchant is " PP * XXXX XXXX ''. This leads me to believe that this is a PayPal account, and that they are passing themselves off as a legitimate business in XXXX with a similar name, This is not the name the merchant presented themselves as. They presented themselves as a charity organization collecting funds for children with XXXX. Somehow, they were able to skim my credit card information from the {$10.00} tap I completed. They were somehow able to charge {$45000.00} credits in XXXX minutes to a PayPal account. Somehow, they were able to go above my credit limit. 

The merchant details on the PayPal account that I can see on my credit card transaction are sketchy at best. There is no specific address tied to the account, even the city of the merchant is not populated correctly " XXXX, IL ''. I am shocked that PayPal has allowed a merchant account to be set up with such limited information.

Company response to consumer: Closed with explanation