vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
RE : Formal Complaint Against TD Auto Finance LLC Violations of TILA, FCRA, UCC, and Privacy Laws To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this formal complaint against TD Auto Finance LLC ( TDAF ) for systemic violations of federal consumer protection laws and refusal to validate an alleged auto loan. 
I am also requesting the CFPB Ombudsmans intervention due to the CFPBs flawed complaint process, which allows companies to investigate themselves rather than ensuring impartial oversight. 

Summary of Violations Failure to Validate Debt ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) TDAF has repeatedly ignored my lawful requests for validation ( see enclosed Notices of Fault and Non-Response ). 
They provided only unendorsed photocopies of a contract ( with forged signatures ), failing to produce : *Canceled check proving fund disbursement. ( funds disbursement schedule ) *Original endorsed loan agreement ( UCC 3-501 ). 
*Chain of title/assignments. 
XXXX XXXX daily XXXX report. 
*Collateral deposit account information Fraudulent Credit Reporting ( FCRA, 15 U.S.C . 1681e ( b ) ) TDAF continues to report an unverified lien and loan to credit bureaus, defaming my creditworthiness. 

Privacy Law Violations Right to Financial Privacy Act ( 12 U.S.C. 3401 ) : TDAF disclosed my financial data without written consent.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : No privacy notices were provided, nor was consent obtained.

TILA Violations ( 15 U.S.C. 1640 ) TDAF failed to provide legally required loan disclosures, including payment schedules and APR calculations.

Unlawful Lien Recording ( Ala. Code 32-8-61 ) TDAF recorded a lien without valid documentation, violating XXXX law. 

CFPBs Deficient Complaint Process The CFPBs practice of forwarding complaints to companies for self-investigation is inherently biased and violates the CFPBs mandate to protect consumers. TDAFs boilerplate response ( enclosed ) demonstrates this failure, as they dismissed my demand for adequate assurance of an alleged loan claim without evidence and ignored other key legal demands ( i.e. Cease & Desist collection activities ) Legal Timelines FCRA : TDAF has 30 days to respond to disputes ; their silence constitutes waiver of claims. 

Final Notice If the CFPB fails to act, I will escalate this matter to Congress, the XXXX Attorney General, and federal courts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX *CFPB XXXX  XXXX Attorney General *Office of the Comptroller of the Currency ( OCC ) Certificate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Formal Complaint Regarding Unpaid Referral Bonus Credit Card Company : Capital One Bank N.A. 
Card Referral Date : XX/XX/year> Approval Date : XX/XX/year> Card Status : Active Spoke to Capital One Bank representative : XXXX ( ID # XXXX ) I am writing to formally raise a complaint regarding a referral bonus that I was assured I would receive upon referring a new Capital One credit card. 

Before making the referral, I contacted your customer service team twice to confirm the eligibility criteria for the referral bonus. During both interactions, I was explicitly told that I would receive a {$250.00} bonus credit upon approval of the referred card. Based on this assurance, I proceeded with the referral. 

However, after the card was approved and no bonus was received, I followed up with Capital One. To my surprise, I was informed that I am not eligible for the referral bonus because I am listed as one of the account holders rather than the primary member on the card. This is completely contradictory to what I had clarified beforehand with your representatives. 

I feel misled and disappointed, as I relied on the information provided by your customer service team in good faith. This situation not only undermines my trust in Capital One but also reflects poorly on the accuracy and consistency of information provided by your staff. 

I kindly request that this issue be investigated further and that the promised {$250.00} referral bonus be honored as initially communicated. I would appreciate a timely resolution to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
The account with Westlake Portfolio MGM in question is showing as settled for less than full value, but I paid the full amount owed. Around XXXX XXXX, I signed up for teeth aligners through Byte. The loan was originally {$2500.00} from XXXX. In XXXX of XXXX, I put a down payment of {$500.00} towards the {$2500.00} loan amount and began monthly payments of {$77.00} on XX/XX/XXXX until XX/XX/XXXX. The total amount paid comes out to {$2600.00}, which is more than the original loan. All of these payments were made monthly, on time. On XX/XX/XXXX, I received an email notifying me that my Byte  loan was transferred to Westlake Portfolio management. Miscommunication between Byte and Westlake seems to have occurred during this time. I tried to resolve this with Westlake and Byte with no success. They seem to be pointing fingers at each other. Westlake hasn't been able to provide me with documentation of full payment history, only provided me with partial payment history. I tried to gain access to my online account with Westlake to view my account information but I was told by them that this is not possible, nor could I create an account. I also did not receive any correspondence from Westlake regarding the late payment/additional payment in question. They are reporting false information to the credit bureaus, which has caused me financial harm. I tried to resolve this with them over the phone with no success. I recently submitted a complaint online, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative recovery inc on credit report as original creditor. I have no relationship to this company. I asked for validation of debt but no response from company. Filed dispute but reported accurate without validating info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-11 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-04-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
Received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc. I responded with a letter dated XX/XX/XXXX and asked for documents explaining this debt. It has been almost 2 years and have not received documentation. As of XXXX XXXX  they put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed a credit inquiries on my report that I dont recognize. I never applied with this company or gave permission for them to access my credit. This situation is causing unnecessary stress, and Im concerned about how it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Late payments XX/XX/year> XX/XX/year> Ive asked the company for a XXXX to update the past due payments, they agreed and never sent the letter in writing and it updated on all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was extremely frustrated to see an unauthorized inquiry suddenly appear on my credit report. I check my report regularly and never expected to find something so concerning. I even refreshed the page hoping it was a glitch, but it wasnt. I need this looked into immediately, and the documents I sent must be reviewed carefully so I can stop dealing with this unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXXXXXX a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXXXX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). The following accounts have been inaccurately reported and improperly re-aged, which constitutes unlawful reporting : Jefferson Capital XXXX ( XXXX XXXX XXXX ) Jefferson Capital -- XXXX ( XXXX XXXX ) Jefferson Capital -- XXXX ( XXXX XXXX XXXX ) Details of the Violation : These accounts were included in a XXXX  XXXX bankruptcy that was subsequently dismissed before discharge. 

Despite the dismissal, the creditors charged off the debt and reported the accounts as " charged to profit and loss. '' The date of first delinquency ( DOFD ) has been re-aged to extend the reporting period, which violates 15 U.S.C. 1681c ( a ) ( 4 ).

Under 15 U.S.C. 1681s-2 ( a ), the creditors are required to report accurate information, which they have failed to do.

Florida Statute of Limitations on Debt Collection : Under Florida Statute 95.11, the statute of limitations for collecting debt is : 5 years for written contracts 4 years for open accounts ( e.g., credit cards ) Since the date of first delinquency on these accounts exceeds the statute of limitations for collection in Florida, continued negative reporting is unlawful and unfair. Attempting to collect or report these debts past the statute of limitations constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA.

Extreme Hardship and Financial Impact : As a single mother, this inaccurate reporting has caused me significant financial hardship : My credit score has been unfairly damaged, making it difficult to obtain affordable housing and access to credit. 

I have been denied credit opportunities and faced higher interest rates because of these inaccurate and unfair charge-offs. 

The stress and financial instability caused by these errors have made it extremely difficult to provide for my family. 

Applicable FCRA Violations : 15 U.S.C. 1681c ( a ) ( 4 ) Negative information can only remain on a credit report for 7 years from the date of first delinquency.

15 U.S.C. 1681s-2 ( a ) Furnishers have a legal duty to report accurate information.

15 U.S.C. 1681i ( a ) The credit reporting agency has a legal obligation to investigate and correct inaccurate information within 30 days.

15 U.S.C. 1681n Willful noncompliance with the FCRA allows for statutory damages of up to {$1000.00} per violation. 

Requested Action : Immediately investigate these accounts. 

Permanently remove the inaccurate charge-offs and re-aged information. 

Provide me with an updated copy of my credit report reflecting the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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