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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
" On XX/XX/XXXX, Volvo Car Financial Services repossessed my vehicle without providing valid notice as required by Texas Finance Code 348.408 ( no USPS tracking # or signed receipt ). 

As a XXXX XXXX XXXXXXXX veteran protected under SCRA, Volvo : - Charged 6.79 % interest ( exceeds 6 % SCRA cap ) - Failed to accommodate my service-connected XXXX during repossession ( violating XXXX ) After repossession, Volvo : - Reported inaccurate 'charge-off ' to credit bureaus ( FCRA violation ) - Refused my written requests for : * Proof of notice ( Texas law ) * Lien documentation ( UCC 9-210 ) * Post-repo accounting statements Attached : VA XXXX verification and demand letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I closed my XXXXXXXX XXXX XXXX credit card on XX/XX/year>. It was removed from my payment history when it was last reported on XX/XX/year>. I also closed my XXXX XXXX account on XX/XX/year> and it was also removed from my payment history when it was last reported on XX/XX/year>. However, they both have reappeared on my payment history and have negatively affected my credit and ability to apply for other applications. I understand that it can show up for up to 4 years after closing, but once it is removed, it shouldn't reappear. If it would have shown up since I closed it in XXXX of last year and still on my report I would understand, but once it is removed and shows my payment history as 100 %, it should not randomly reappear months later. I disputed both companies through XXXX XXXX with my dispute reason being " I closed this account, payment history/rating is incorrect ''. Once the dispute came back, it was labeled as resolved and result was " Approved ''. However, nothing was corrected and the accounts still show up on my payment history. I reached out to the companies and they told me that the reporting part of this is on the bureaus and so now I would like the bureaus to correct this on my credit. I would like both accounts to be removed like it was before and my payment history to be restored to 100 %.

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 2025-04-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
Checking my Cusumer Report from SECU bank a Auto loan was charged off /Written Off .I never received 1099c form

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

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Between XXXX XXXX XXXX  I was the victim of a fraudulent XXXX scam that resulted in the unauthorized transfer of {$9900.00} from my XXXX XXXX XXXX  business account. A fraudster, impersonating my banks fraud department, tricked me into providing a verification code, which they then used to initiate unauthorized transactions via XXXX. The stolen funds were sent to accounts at the following banks : USAA ( XXXX XXXX four payments totaling {$3900.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX payment of {$2000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX payments totaling {$2900.00}, which were later recovered ) XXXX, XXXX. ( XXXX XXXX XXXX payment of {$1000.00}, only {$0.00} was recovered ) Upon discovering the fraud, I immediately reported the incident to : XXXX XXXX XXXX, which investigated and confirmed the fraud but refused to reimburse me. XXXX XXXX XXXX XXXX which refused to intervene and redirected me back to my bank. 
Law enforcement, including the XXXX XXXX Police Department and the FBIs Internet Crime Complaint Center ( IC3 ). 2. Banks Response XXXX XXXX  and XXXX, XXXX. returned {$2900.00}, but the remaining {$5900.00} is still missing. XXXX XXXX XXXX  stated that the receiving banks confirmed the fraud but refused to return funds, claiming that no money remained in the fraudsters accounts. Despite my long-standing banking relationship with XXXX XXXX , they refused to reimburse me and cited that XXXX transactions are final and irreversible. 3. Issue & Banking Failures Banks require Social Security Numbers and identification to open accounts, yet the receiving banks have refused to take further action despite knowing the identities of the fraudsters. Unlike credit card transactions, XXXX offers no fraud protection, chargeback rights, or reimbursement, leaving victims financially responsible for unauthorized transfers. XXXX XXXX XXXX  and the receiving banks failed to act aggressively to recover funds or pursue the criminals.

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 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: WI

Complaint narrative:
Nothing they sent the complaint to me about a debt I don't owe.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX {$1900.00} Inquiries XXXX XXXX XX/XX/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

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 2025-04-04 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: FL

Complaint narrative:
My account is showing late payments, I sent a letter to the company to remove all late payments as the account status info was incorrect and showing as written off even though I continued making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed an order through XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX, totaling XXXX XXXX XXXX XXXX. This was to be a XXXX gift for my loved one. However, when the package arrived, I received an entirely different item : a very XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I immediately submitted a return request through XXXX ' website, selecting the appropriate reason ( " wrong item received '' ), and returned the incorrect item as instructed. To my surprise, XXXX later returned the same XXXX back to me, refusing the return. I reached out to XXXX customer service and was informed the case had to be escalated. 

After a lengthy wait, XXXX informed me that my return was rejected because, according to their records, they claim to have shipped the correct item. This is not true. I never received the XXXX XXXXXXXX XXXX  I paid for only the XXXX XXXX, which I did not order. 

Due to the lack of resolution, I contacted my credit card issuer, Capital One, and opened a dispute for the {$1300.00} charge. On XX/XX/XXXX, Capital One responded that my claim was denied, stating only that the transaction was valid, without addressing the fact that I received the wrong item and never got what I actually paid for. 


I have exhausted all reasonable methods to resolve this issue directly with both XXXX and Capital One. I paid over {$1300.00} for a product I never received and have instead been left with an incorrect item that I attempted to return in good faith. XXXX refusal to acknowledge their error and Capital Ones dismissal of my dispute without proper consideration of the facts have left me with no other option but to escalate this matter. 



I am seeking a full refund of {$1300.00} for the XXXX XXXXXXXX XXXX  I never received. I am also requesting a formal investigation into how this case was handled by both XXXX XXXX XXXX and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am hereby asking you to reopen my case and investigate it thoroughly, because the bank closed the case without resolving an important part that has to do with an improper transfer of funds. 
The bank allegedly mistakenly transferred money from my account to an account in my ex-wife 's name. They closed the case and don't want to investigate that aspect of the case.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-04 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: CA

Complaint narrative:
Ive disputed this item before XXXX XXXX and they removed it from my Trans Union credit report and they ended up putting it back on my Trans Union credit report. This is very upsetting. It was removed and added right back. This needs to be removed right now on all three credit reports as soon as possible, they sold this debt to the best service company, which they do not have any contracts with me! By law if this new company that purchased my debt does not have any signatures or documentation of me personally giving them permission to report this to my credit, they can not furnish this account. This needs to be removed right away.

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 2025-04-04 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: AZ

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-04-04 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: NY

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Incorrect information has been identified between two reports : In the Experian report obtained from XXXX, the high balance is listed as {$420.00} and the status is Charge Off. 
In a monitoring report from XXXX, the same account shows a high balance of only {$300.00} and a current payment status of As Agreed. 

Additionally, the payment history differs in severity between both reports, and yet the account is reported as closed in both. These inconsistencies raise concerns about the accuracy, completeness, and verifiability of the information being reported by Experian. 
I submitted a written dispute directly to Experian, requesting a manual reinvestigation and deletion of the account if unverifiable. As of now, the issue remains unresolved.

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 2025-04-04 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 Student loan DEPT OF ED Balance 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  I Balance {$280.00} Opened XXXX XXXX, XXXX ( XXXX mos ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief