vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I completed a refinance of my auto loan to Capital One in the amount of {$20000.00}. I was instructed to keep paying my former lender until my balance reflected XXXX and the payoff was received. On XX/XX/year> I made my first payment to Capital One for {$460.00} and also had to make payment to my previous lender. As of XX/XX/year> my previous lender still has yet to receive the payoff check. I called Capital one refinance department and spent an hour on the phone and conferencing in my previous lender for them to get a new payoff amount and the proper mailing address. I was then informed the payoff check would be overnighted. AS of today XX/XX/year> that payoff still has yet to be received and my next payment to my previous lender is coming up due. Additionally, the payoff amount is increasing by {$5.00} daily so well above my originally financed amount and it appears as though I XXXX auto loans for the same vehicle on my credit report so my XXXX XXXX has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
I received an alert that a collection from OppLoans for a loan debt was placed on my credit report. I then contacted OppLoans for more information and told them that I never applied for a loan with them and the loan was a result of identity theft. I filed an identity theft claim with the Federal Trade Commission stating that, I received a phone call from a collections agency known as Fair Collections and Outsourcing saying that they were a debt collector attempting to collect a loan debt. I had no knowledge of this debt. They then gave me information that the account went delinquent in XX/XX/year>. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decided to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leaves me no choice but to press charges against their company for the damage they have caused to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: 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 2025-03-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
- Paid off vehicle in full on XX/XX/year>. 
- Was told that a lien release document was sent to me on XX/XX/year>. 
- Following the defined waiting period, called back and was told that lien release documentation was never sent, all they were able to confirm is that the lien release documentation was sent to the mail room. 
- During this time, Chase kept insisting that they were requesting a duplicate title from the XXXX  XXXX, where the vehicle was registered, despite being told that I had contacted the XXXX  XXXX and confirmed that the title was actually in WA. Despite this information, Chase refused to provide the lien release information to the XXXX  XXXX. 
- On XX/XX/year> contact Chase again to see what could be done to provide XXXX  XXXX with the lien release documentation and was told to provide the XXXX  XXXX with the following Fax number XXXX in order for the XXXX  XXXX to request XXXX XXXX information. After contacting the XXXX  XXXX again with this information, was told that the XXXX  does not request lien release information and the lien holder has to submit this information themselves. Again incorrect information provided by Chase. 
- On XX/XX/year> contacted Chase again to request that THEY submit lien release information to the XXXX  XXXX and was told that they have submitted the lien release documentation to the XXXX  XXXX and I should revert back to Chase within XXXX business days to confirm. 
- On XX/XX/year> contact Chase again to be told that no such information was submitted, instead they re-sent the lien release documentation to me, which was supposedly already sent on XX/XX/year>. They had made no effort to contact XXXX  XXXX to provide lien release documentation and I was instructed to wait another XXXX business days to receive my lien release documentation. 

During this time, my vehicle has been paid in full, the check has cleared and the funds deducted from my account. Despite this, I am unable to register the vehicle in my name, because I do not have the title or lien release documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: 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 2025-03-06 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CT

Complaint narrative:
my account was frozen for no reason or because they felt like i guess i asked why my account was frozen and they said they could not tell me i told i needed to pay my rent or id be homeless ive sent them in my id birth certieicate and social security card but i still cant get my money out at he atm the company is direct exsress now im going to be homeless becuse i csnt oay my rent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
Greetings, In XXXX of XXXX  I received an email from my credit reporting agency that my credit score had dropped tremendously. Upon further investigation I called XXXX XXXX XXXX XXXX and was informed that I was XXXX late on my car payment. XXXX advise me to contact the XXXX credit agencies so the issue could get resolve. I contacted the XXXX credit agencies to make a complaint, and they did an investigation. They reported they did not find any error on their end. 

I do not take responsibility of any late payment, since all my payments have been made on time. I am requesting immediate resolution into this matter to avoid any further grievances on my part. 

**See attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 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 2025-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
venmo permanently deactivated and holding my funds for XXXX  days for loss prevention purposes I have provided information I can provide. I am going to be homeless with them keeping {$3200.00} of mine. I dont even know what happens next because when I contact they tell me contact account XXXX who I cant email back. My student loan money went into the account as well as I get paid to be a caregiver to my XXXX sister.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I ordered a vacuum from XXXX and paid with my Capital One credit card. The item was never delivered. I filed a dispute with Capital One but they denied the case because they misunderstood the issue and thought it was about a return not credited. The refuse to reopen the case. 

More details : On XX/XX/XXXX at XXXX pm, I received an email from XXXX claiming that the package had been delivered. 

At XXXX am the following morning, I saw no package at my front door, so I followed the link to the couriers website ( GLS ), which claimed the package had been dropped at XXXX pm. The link included an image of a package label in complete darkness with no geographic context. 

On XX/XX/XXXX, I disputed the delivery directly with GLS, the courier. I explained that I lived in a gated community and that the driver wouldnt have been able to access the community at XXXX pm. They said that their drivers dont work after XXXX pm and gave me the impression the case would be handled quickly. They said I would have a response within XXXX hours. 

On XX/XX/XXXX, I followed up with XXXX who told me that claims actually take XXXX hours. 

On XX/XX/XXXX, I followed up with GLS again, but they told me the claim would actually take 30 days to process. Later on XX/XX/XXXX, I filed a dispute with Capital One. 

On XX/XX/XXXX, Capital One responded with an email that said they would reach out if they required more information. 

On XX/XX/XXXX, I received a letter from Capital One stating that the case had been closed because I did not provide proof that the item had been returned. ( Which I hadn't, because the item was never received. ) The same day, I called Capital One to explain that they had processed the dispute incorrectly. The phone associate read the notes I submitted in XXXX, agreed with me, and gave me a link to submit a letter explaining the issue. I uploaded a letter that explained the issue, provided screenshots of the communications from the courier and the merchant, and requested that they process the dispute correctly. 

On XX/XX/XXXX, they sent a response letter insisting that I had failed to provide documents supporting that I had returned the merchandise ( which I never claimed ) and that they would not reopen the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-06 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has now allowed XXXX XXXX to ILLEGALLY change the charge-off date on this fraudulent account to XX/XX/year>. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as it constitutes illegal re-aging of debt. 

Re-aging a charge-off to make a debt appear newer than it actually is extends its reporting period beyond the legal XXXX limit. This fraudulent update has caused additional harm to my credit, and Experian has failed to take corrective action. 

quifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never done business with this company, nor have I ever made any payments to them. Despite disputing this account multiple times, XXXX continues to " verify '' it without providing any supporting documentation to prove its legitimacy. 

XXXX Violated My Rights Under the FCRA : Failure to Provide Method of Verification ( MOV ) : I recently spoke to an XXXX representative and requested the method of verification ( MOV ) used to confirm this fraudulent account. 
The agent refused to provide this information, which violates FCRA 611 ( a ) ( 7 ), as I have a legal right to this documentation. 
Failure to Conduct a Proper Investigation : Experian continues to report this fraudulent account despite never providing proof that I authorized it. 
I have requested documentation multiple times, including a signed contract or account statements, and Experian has failed to provide any evidence. 
Harming My Credit with False Payment History : Experian is manipulating the payment history of this account, causing my credit score to drop.

This is inaccurate and damaging, violating the FCRAs accuracy and fairness requirements under 1681i ( a ) ( 1 ) ( A ). 

This is also another Shameful Investigation.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: WA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation