vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This closed account on my profile is reporting bad history and if you can not provide proof this is mine and or that I am responsible for said debt I demand this be removed immediately from my credit profile 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 2025-05-06 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: AL

Complaint narrative:
my personal information has been stolen and now i have fraudulent inquiries on my credit reports.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
did not take proper action in fixing the inaccuracies on 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
did not take proper action in fixing the inaccuracies on 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 explanation
Consumer complaint received 2025-05-06 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:
This complaint is not a mistake. My credit report contains inaccuracies that have not been fully verified and are negatively impacting me. I kindly request a prompt review and correction or removal of these errors during this challenging time.

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 2025-05-06 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:
To Whom It May Concern, I am writing to formally dispute one or more hard inquiries listed on my credit report. These inquiries appear without my full knowledge or legally documented authorization, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ). 

Inquiries to Be Removed : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX DEPT OF ED / XXXX Date of Inquiry : XX/XX/XXXX ( qty. 4 ) Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist before a hard inquiry can be placed on a consumer credit file. A creditor must have a valid reason, such as a signed application for credit or a written request initiated by the consumer.

I did not authorize or initiate any application that would permit these inquiries. You are required to maintain proof of express authorization.

If you can not validate the existence of a permissible purpose, the inquiry must be removed.

Additionally, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am demanding a full explanation of the reinvestigation process, including : The name, address, and telephone number of each furnisher contacted The original documentation that supports the inquiry A copy of any signed application or authorization Under FCRA 611 ( a ) ( 5 ) ( A ), if the item is found to be unverifiable, you must delete it from my credit file. This inquiry is now considered formally disputed, and failure to resolve this within 7 calendar days may result in : Regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General Legal action under FCRA 616 and 617 for willful noncompliance Sincerely, Name : XXXX XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute one or more hard inquiries listed on my credit report. These inquiries appear without my full knowledge or legally documented authorization, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ). 

Inquiries to Be Removed : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX DEPT OF ED / XXXX Date of Inquiry : XX/XX/XXXX ( qty. 4 ) Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist before a hard inquiry can be placed on a consumer credit file. A creditor must have a valid reason, such as a signed application for credit or a written request initiated by the consumer.

I did not authorize or initiate any application that would permit these inquiries. You are required to maintain proof of express authorization.

If you can not validate the existence of a permissible purpose, the inquiry must be removed.

Additionally, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am demanding a full explanation of the reinvestigation process, including : The name, address, and telephone number of each furnisher contacted The original documentation that supports the inquiry A copy of any signed application or authorization Under FCRA 611 ( a ) ( 5 ) ( A ), if the item is found to be unverifiable, you must delete it from my credit file. This inquiry is now considered formally disputed, and failure to resolve this within 7 calendar days may result in : Regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General Legal action under FCRA 616 and 617 for willful noncompliance Sincerely, Name : XXXX XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
My credit score was unfairly decreased and impacted negatively by Trans Union. It was also reported that I was deceased by some party to Trans Union in XX/XX/year>. Trans Union dropped my credit score by XXXX points. I feel this type of action on my credit report was negligent and unfair. The parties failed to exercise the proper care in taken this action in being reasonable but very inaccurate related to my credit report and credit score information. This is negligent, unfair discriminant behavior because I have proof on making them dropping my score XXXX point on XX/XX/year>. I have Already submitted a complaint about Still being alive/living and not being deceased/dead. So, this is not a duplicate of my issue/complaint. This is about my credit score being impacted and dropped by XXXX by XXXX XXXX with Trans Union.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a credit card in collections with XXXX XXXX. I do not recognize the account, so I disputed it. It kept coming back as mine. The debt was sold to a creditor ( Portfolio Recovery Associates ) whom I contacted, and I made a settlement payment that satisfied the debt as paid in full. The original creditors ( XXXX XXXX ) somehow gained access to my credit report and disputed the amount I paid and placed the original amount owed. Now the debt is back on all XXXX reports and hindering my ability to get financial aid to complete my education. I have reached out to all XXXX creditors, and it is listed there again. I keep disputing it, uploading the proof of payment, and it will not come off my report. 

I do not have access to contact XXXX XXXX ( original credit holder ), as Portfolio Recovery Associates is listed on the report as having the debt. Again I paid it with XXXX, they sent me proof via email and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a credit card in collections with XXXX XXXX. I do not recognize the account, so I disputed it. It kept coming back as mine. The debt was sold to a creditor ( XXXX XXXX XXXX ) whom I contacted, and I made a settlement payment that satisfied the debt as paid in full. The original creditors ( XXXX XXXX ) somehow gained access to my credit report and disputed the amount I paid and placed the original amount owed. Now the debt is back on all XXXX reports and hindering my ability to get financial aid to complete my education. I have reached out to all XXXX creditors, and it is listed there again. I keep disputing it, uploading the proof of payment, and it will not come off my report. 

I do not have access to contact XXXX XXXX ( original credit holder ), as XXXX XXXX XXXX is listed on the report as having the debt. Again I paid it with XXXX, they sent me proof via email and by mail.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card in collections with Capital One. I do not recognize the account, so I disputed it. It kept coming back as mine. The debt was sold to a creditor ( XXXX XXXX XXXX ) whom I contacted, and I made a settlement payment that satisfied the debt as paid in full. The original creditors ( Capital One ) somehow gained access to my credit report and disputed the amount I paid and placed the original amount owed. Now the debt is back on all XXXX reports and hindering my ability to get financial aid to complete my education. I have reached out to all XXXX creditors, and it is listed there again. I keep disputing it, uploading the proof of payment, and it will not come off my report. 

I do not have access to contact Capital One ( original credit holder ), as XXXX XXXX XXXX is listed on the report as having the debt. Again I paid it with XXXX, they sent me proof via email and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2025, I asked Experian a total of 2 times since XX/XX/2025 to conduct a full verification of inaccurately reported information found within my experience credit report. In addition to 2 failed attempts, further more the company has failed to properly conduct a thorough investigation of accuracy and I am requesting the improperly reported account be removed from my Experian credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo Home Mortgage and XXXX XXXX XXXX, I am writing to formally exercise my rights under applicable federal and state commercial laws, specifically : 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and UCC 3-305 of the Uniform Commercial Code.

Pursuant to these provisions, I am requesting the original promissory note or mortgage contract bearing my wet ink signature. This request is made to validate the alleged debt and establish proper legal standing for any claim or enforcement action regarding the property referenced above.

Legal Basis for Request 1. 15 U.S.C. 1692g ( FDCPA ) : This law entitles me, as the alleged debtor, to request validation of the debt, including documentation bearing my original signature, to confirm that you are the lawful holder in due course of the note. If Wells Fargo is acting in a debt collection capacity ( including foreclosure or loan servicing ), it is required to comply with this provision within 30 days of receiving this request.

2. UCC 3-305 ( Holder in Due Course Defense ) : Under this section, I may raise a defense against enforcement of a negotiable instrument ( such as a promissory note ) unless the holder can prove lawful acquisition and possession of the original instrument. To establish " holder in due course '' status, the entity must demonstrate physical possession of the original note executed with a wet ink signature. Copies or digital reproductions do not meet this standard.

Action Requested I hereby request : A certified copy of the original promissory note signed with my wet ink signature ; and Verification that Wells Fargo is the lawful holder in due course of the instrument in question ; Disclosure of the current and original lender, and any chain of title or assignment documents related to the loan.

Please respond to this request within the legally required time frame. Failure to provide this information may constitute a violation of federal law and may impair your ability to enforce or collect on the alleged obligation.

Thank you for your prompt attention to this matter. I expect all communication in writing unless otherwise agreed. 

Sincerely, XXXX XXXX , the living woman

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT IT IS A SEPARATE ISSUE. 
This a misleading advertising complaint Where the company offers something in return for opening an account however opening the account is impossible due to their system failure all the time and theyre in coping reps not able to do their job. 
In the way that advertising is misleading because its impossible to open the account I will be emailing members of the board of directors to let them know the executive team has been incompetent to resolve any issues.

Attached are 2 responses for reps Reps that not do their job. They do not follow up their careless during incompetent and theyre damaging the company.

The attach message it doesnt go away. Ive been trying for several weeks now and the other are two emails from reps that they do not do their job. They just dont care. Im forwarding this to the members of the board of directors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
Been trying to reach this fraud company for weeks! Cant access my account and when I could I had to go through federal way. Doesnt answer the phone and has been charging me interest even though I am on the SAVE program! Also, XXXX  having access to my information is unconstitutional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that have not been fully verified and are negatively impacting me. I kindly request a prompt review and correction or removal of these errors during this challenging time.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This is my FINAL notice of demand regarding the alleged debt tied to my vehicle loan. Based on newly obtained filings from the U.S. Securities and Exchange Commission ( SEC ), including your Form XXXX and XXXX filings, it is clear that Credit Acceptance securitizes auto XXXX and may no longer legally own or have standing to collect on this debt. 

SECURITIZATION = TRANSFERRED OWNERSHIP Your Form XXXX filed on XX/XX/year>, confirms that Credit Acceptance acted as a securitizer in the auto loan asset class under Rule XXXX. This indicates my auto loan may have been : Sold to a trust or SPV ( special purpose vehicle ) Converted into a security, And is now owned by investors, such as XXXX  XXXX XXXX, as disclosed in your Schedule XXXX filing. 

If Credit Acceptance no longer holds legal title, and merely acts as a servicer, you are in violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA for misrepresenting the character or legal status of the debt, and possibly TILA 15 U.S.C. 1641 ( g ) by failing to disclose assignment to the debtor. 

FORMAL DEMAND FOR DOCUMENTATION : You are hereby directed to produce, in writing : 1. Full Chain of Assignment From loan origination through all sales or transfers 2. Trust or Pool Information If securitized, provide trust name, CUSIP number, closing date, and a copy of the Pooling and Servicing Agreement ( PSA ) 3. Proof of Standing Legal proof that XXXX XXXX currently owns the debt, not merely services it 4. Dates Date of first delinquency, date of last payment, and current legal holder of title DEMAND FOR REFUND & CESSATION If you can not verify ownership or legal standing : Cease and desist all collection activity under 15 U.S.C. 1692c ( c ) Delete all reporting to any credit bureaus under 15 U.S.C. 1681s-2 Issue a full refund of payments collected after the loan was transferred or securitized Remove all internal and third-party contact attempts Failure to comply within 10 business days from the date of this letter will result in : Filing with the FTC, SEC, and State Attorney General Civil litigation seeking monetary damages, legal fees, and punitive relief NOTICE OF PRESERVATION You are instructed to preserve all documents related to this account, including but not limited to securitization records, assignments, internal notes, emails, and payment logs, as this matter may lead to formal litigation.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank capital one is responsible for the previous complaint that I have with yall and I want my money back from the bank they are responsible for my money leaving my account i told them my XXXX XXXX  was hacked they told me to rest assured that they will locate my money and get it back for me to teaming up with XXXX XXXX and throwing the blame on me is ridiculous I've been hacked on XXXX and was scammed for XXXX dollars and it went into a XXXX stocks i don't know anything about stocks absolutely nothing so my bank instead of taking responsibility for the lack of security the bank tried to tell me I authorized the payment which is not true again who in the right mind would put XXXX XXXX dollars into a stock I knows absolutely nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite my previous communicationincluding a formal cease and desist requestXXXX XXXX XXXX has verified this debt on my credit report without providing adequate legal validation as required under federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have a right to demand proper validation of this alleged debt, which includes : A signed agreement or contract showing I am legally obligated to this debt, A full account history from the original creditor, and Documentation showing XXXX XXXX XXXX has the legal right to collect on this debt. 

To date, I have not received such documentation. Reporting this unverifiable debt to credit reporting agencies without proper validation constitutes false or misleading representation, violating 15 U.S. Code 1692e.

Furthermore, continued reporting after receipt of my cease and desist letter violates : 15 U.S. Code 1692c ( c ) Collection must cease after written request to stop communication, 15 U.S. Code 1681s-2 ( b ) Duty to investigate disputed information under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation