vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Loan # XXXX Original loan amount {$37000.00} Total Principal Paid {$31000.00} Total Interest Paid {$7100.00} Principal Balance : {$5900.00} According to the going market, my XXXX XXXX XXXX is currently worth between $ XXXX {$18000.00} averaging at {$15000.00} in average condition. 


In the 4 years i never been late. According to their own statements I'm scheduled to pay off the loan 10 months early. 


I started a new job a few months ago and i accidentally made a mistake. I thought i selected both short term and long term disability but i didn't. 


I called COAF in early XXXX to notify i had a serious XXXX scheduled for XXXX XXXX. To please forbearance my loan until XX/XX/XXXX because my return date to work will be XX/XX/XXXX. 


I was provided with a XXXX month extension for XXXX. I was told i needed to call in every month. On XX/XX/XXXX i called to request the XXXX extension and it was declined. The representative told me i needed to call XX/XX/XXXX to request an extension. 


Today, XX/XX/XXXX i called and it was denied again. I'm totally able to fulfill my payment obligations once i return to work in late XXXX. Hence requesting XXXX, XXXX, and XXXX to be extended out and resume my payment in XXXX, XXXXThis is a one time unexpected hardship that will be corrected within a few weeks. 


There is minimal mitigation loss for Capital One Auto Finance. In fact, they will benefit by repossessing my vehicle which i believe is the reason their denying to offer the help. During Covid, they freely offered people with up to 4 months forbearance on their loans so i don't see why they say they can't do it when it's been done before. 


I request for a manual review into my account by someone in compliance to state based on my loan history, why is this loan not eligible for a 3 months extension when I'm ahead in payments by 10 months. Makes no sense. I'd understand if i was a chronic late payer but I'm not. This seems borderline like an opportunity to take my car and make a profit which is unethical. 


My resolution is, please provide a valid detailed reason why my requests are being denied. Once i understand your reasoning i will understand and seek another alternative but in the meantime I'd like to have this resolved in house with capital one and continue an ongoing partnership with them. As other than this, in the 20 years I have with them, this is a disappointment because i considered them to be good tours their consumers. 


Just to clarify, I'm not forcing Capital One to approve me but i would like a custom ( not AI generated ) explanation on why my account is ineligible for a 3 month extension. - Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX U.S.C. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX - XXXX XXXX  - XXXX Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, while I was incarcerated, my XXXX XXXX XXXX was towed and sold by XXXX XXXX without my knowledge or consent. USAA is the lienholder on the vehicle, and I have made every required monthly loan payment before, during, and after the incident. The loan is still active in my name and has not been satisfied. 

USAA has verbally confirmed the following key points : They were never notified of the sale by XXXX XXXX or any affiliated party. 

They never released or transferred the vehicles title. 

They still consider the loan open and active under my name. 


Despite numerous phone calls and formal requests, USAA representatives have repeatedly told me they can not generate a letter stating these facts due to internal limitations, even though they verbally acknowledge them. 

I am now in a situation where I can not assert ownership with the XXXX or police, can not recover my vehicle, and continue to be financially liable for a car I do not have. The companys refusal to provide documentation has directly harmed my ability to resolve a civil matter that never should have escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I was a co-borrower on the original mortgage loan for my home, recorded in XXXX, and remain a joint legal owner of the property as shown in the recorded deed. That mortgage was satisfied and released in XXXX. Despite this, Shellpoints records now list me as neither a borrower nor a responsible party. I was never notified of, nor did I sign, any subsequent mortgage, refinance, or loan modification. 

I did not discover this issue until I began the refinance process, as required by my divorce decree. In XXXX, Shellpoint recorded a loan modification that deferred over {$150000.00} in principal and extended the term to XXXX. I was excluded from this modification, even though it materially altered a loan I co-signed and remains secured by the home I still legally own. I did not authorize, sign, or consent to that modification, nor was I ever notified of it. 

In XX/XX/XXXX, I was awarded the home through a divorce decree, which ordered me to refinance or assume the mortgage. When I contacted Shellpoint, they denied my request, claiming I am not a borrower. This contradicts public records and the terms of the court order and prevents me from complying with a court-mandated deadline. 

If I am not allowed to assume the loan, I am being forced to refinance the entire unpaid balance including over {$150000.00} in deferred principal whereas my ex-husband, if he remained in the home, would only need to make payments on the reduced, interest-bearing balance. Shellpoints refusal to recognize me as a borrower is not only legally inaccurate, it creates an unequal and unjust financial burden. 

On XX/XX/XXXX, I submitted a formal legal demand via USPS Priority Mail and email. This is my third written request, in addition to numerous phone calls and follow-up emails. I requested : Complete loan documentation, A written explanation of how and when I was removed, Immediate correction of Shellpoints records to reflect my borrower and ownership status. 

To date, Shellpoint has failed to respond. This is causing serious legal and financial harm, violating my rights as a legal homeowner and co-borrower. Shellpoints actions appear to violate RESPA and Ohios dower/spousal consent laws. I respectfully request immediate CFPB review and intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I disputed the information on the FTC complaint as it appears on my credit profile. I requested them to validate the debt to prove it belongs to me XXXX XXXX and if the debt could not be validated I would like for the debt to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank reported I was 30 days late which was not true! My account was on auto pay! I called up and they indeed said there was a glitch in the system which Is why my account was reported to the credit. I called and wrote letters stating this! They still haven't taken it off my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXAnd according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I was charged for a Klarna installment payment that I already paid AND was falsely refunded. On XX/XX/year>, I made a {$48.00} installment payment using my XXXX XXXX for a XXXX purchase. On XX/XX/XXXX, Klarna said to have issued a full refund of {$48.00} to that same card, which was never received. Despite this, on XX/XX/XXXX I received an email from Klarna stating that my {$48.00} payment failed and that I now owe this amount again. 

This is completely incorrect. Klarna processed the payment, refunded it, and is now falsely treating it as an overdue charge. I have contacted Klarna support multiple times and provided screenshots showing the payment, refund, and incorrect failure notice. They are stonewalling me and refusing to correct the balance or send the refund which I did not ever receive even though stated like it was sent. 

I am seeking immediate correction : removal of the false overdue charge and written confirmation that my Klarna account is in good standing. 

This is a billing error and an unfair collection practice. Klarnas failure to resolve it after multiple attempts has left me no choice but to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

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 2025-07-16 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: MA

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 non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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