vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had an auto loan with Capital One Auto Finance for my XXXX XXXX XXXX. In XX/XX/XXXX, I entered into a written settlement agreement with Capital One to satisfy the loan for {$5800.00}, payable in monthly installments of {$900.00}. I have been paying on time under this arrangement. 

On XX/XX/XXXX, my vehicle was declared a total loss by my insurer, XXXX. XXXX issued a settlement payment of {$6300.00} which is greater than the balance of my settlement agreement. The funds are being directly to Capital One. 

Despite this, Capital One representatives have stated that because the vehicle was totaled, the settlement agreement is canceled and they are reinstating the original loan balance of approximately {$15000.00}. This is inconsistency with the written settlement agreement, which did not state that the agreement would be void if the vehicle was declared a total loss. 

I am requesting that Capital One honor the original {$5800.00} settlement agreement, apply the {$6300.00} insurance payment as payment in full, and provide me with a paid-in-full letter closing the account with no further balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I just received this card with synchrony amazon in XXXX of XXXX always made my payment on time was suspended from work XX/XX/2025 and returned to work XX/XX/2025 still made regular payments as per the usage of the cardnow returning to work starting to work on my credit paid down this card near to half and boom synchrony decides to drop my limit from {$1000.00} to {$560.00} in just six months not even giving me a chance to show good faith as a card user and holderwhy not give me a chance and then doing the limit drop hurts my credit after in the last 3 weeks i was paying the card down weekly

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 2025-09-09 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: LEXISNEXIS
State: FL

Complaint narrative:
In XX/XX/year>, a landlord in XXXX XXXX filed an eviction case against me. The court split the case into two parts : one for possession of the unit and another for monetary damages. This created two case numbers for the same event, but it was only one eviction case. 

The monetary judgment has already been marked satisfied by the court. Despite this, tenant screening agencies ( LexisNexis and XXXX ) continue to report both case numbers separately. This makes it appear as if I have XXXXwo separate evictions, which is inaccurate and misleading. 

I have disputed this reporting before, but the duplicate entries remain on my tenant screening file. As a result, landlords are interpreting the record as multiple evictions, which is not true, and this is causing me and my children to be denied housing. 

This conduct violates multiple consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) : The agencies have failed to conduct a reasonable investigation into my dispute.

They continue to report duplicate and unverifiable information.

2. Fair Debt Collection Practices Act ( FDCPA ) : Reporting two evictions where there was only one is deceptive and misleading.

No valid lease, judgment, or public record proving multiple evictions exists.

3. Gramm-Leach-Bliley Act ( GLBA ) 6801 Privacy : Reporting this eviction information without proper verification raises concerns of improper access and lack of permissible purpose. 
4. Lack of Proof of Standing : Neither LexisNexis nor XXXX has provided proof of ownership, assignment, or a valid legal right to continue reporting these records. 

Because of these violations, the duplicate eviction reporting is not only inaccurate, but also harmful, as it is damaging my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: HW Holding, Inc
State: TX

Complaint narrative:
I am submitting this complaint against Hunter Warfield regarding account number XXXX. Despite my request for the company to cease communication, I have continued to receive calls and correspondence. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, including my right to request that debt collectors stop contacting me. I am requesting that the CFPB investigate these practices, ensure that Hunter Warfield ceases all unauthorized communications, and provide verification of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX This the old problem come back. Look at the first problem, all the same. They gave me the money then took it back. So here I am with the same problem. Never got taken care of. 

They are paying me off, I have no acc or and other because I am no longer in there book so I can not get in touch with them in any way. I am cut off. So I come to you again. check the first complaint. it si the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1400.00}, XXXX  XXXX - Date Opened : XX/XX/XXXX - {$1200.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$670.00}, XXXX XXXX - XXXX Opened : XX/XX/XXXX - {$1100.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1600.00} ; fraudulent inquiries off of my report : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX several times to correct the reporting issue. My loan is not showing up on my credit report and hasn't for the last 3 years despite no late payments. The company finally sent me the contract with my name on it after contacting them at least 15 times but still has not provided proof that they are correctly reporting the installment loan to my credit report. They have stated that they do report to the major bureaus but will not assist me with fixing this major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
After speaking with your representative, I was instructed that they would provide a copy of the payment history issued to me, which I have attached for your reference. On page 2, you will find six payments made on XX/XX/year>, as follows : {$320.00} {$430.00} {$68.00} {$240.00} {$1300.00} {$26000.00} These payments total {$28000.00}. However, the amount owed was {$28000.00}, resulting in an overpayment of {$420.00}. Additionally, I was charged an extra {$1400.00}, which was not owed. I request a refund of the total overpaid amount of {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am formally disputing the account reported by Bounce AI in the amount of {$8600.00}. I have never signed or agreed to any contract with this company authorizing them to collect or report any personal information about me to the credit bureaus. They have failed to provide any original wet signature documentation proving that I gave consent for my personal data and financial records to be transferred, stored, or reported. This account appeared on my credit report without my knowledge or permission and it is a direct violation of my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I never received proper validation or any notice of debt from Bounce AI prior to this reporting. Uploading vague summaries or computer generated data does not meet the requirements of validation. The law requires strict proof, not speculation. Reporting this account without my consent has caused significant harm to my credit and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
It is very upsetting that one unauthorized inquiry remains on my credit report today. When I checked, I was shocked to see this discrepancy appear without explanation. I even tried refreshing my browser in case it was a temporary error, but it was not. I am urgently asking that the documents I submitted be examined thoroughly so this matter can finally be resolved.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is not being reported correctly. Its listed as a collection, but its also showing as past due. A collection account should never continue to report as currently past due, because thats misleading and doesnt reflect the true status. 

The date opened of XX/XX/year> also looks wrong or misleading. If that date is incorrect, it may be considered re-aging the account, which is not allowed because it unfairly extends how long the account can stay on my credit report. 

Because of these errors, I am asking that this account be deleted from my credit file. If the furnisher can not provide clear proof of the correct status and date, then the account must be removed. Please reinvestigate and send me the results in writing within 30 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I wanted to try the XXXX XXXX for a week trial at XXXX XXXX but the employee I talked with said I needed to buy one of the memberships for that trial. After my mother gave me her credit card to go buy a membership He showed the membership options and the XXXXXXXX XXXX  a month one he explained would have an additional XXXXXXXX XXXX  every month for the first 3 months and then asked for my signature ( I am a XXXX  only a XXXX XXXX XXXX ) after I went to the gym for a few months and then wanted to cancel or put it on hold because I was leaving the country on vacation. When me and my mom went to XXXX to cancel the membership and the employees said they wont cancel it and that we need to email someone and I emailed them on XX/XX/XXXX that I have proof for in the attached document and now I have a letter at my house that I owe XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 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 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 XXXX XXXX XXXX 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
I appliedd for this loan as I was pre approved on the XXXXn credit monitoring site. Because of this I assumed the loan would be compliant with usery laws in my district. I later discovered the loan had a XXXX XXXX APR well in excess of the legal limits allowed in NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OK

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am submitting a formal complaint about multiple inaccurate entries on my credit report. These errors have harmed my credit and continue to cause serious financial and emotional distress. I previously spoke with a representative who guaranteed these inquiries would be removed ; they remain.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-09-09 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief