vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-01 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:
Im reaching out regarding a serious issue on my credit report. After reviewing my report, I noticed an account that was opened without my authorization. This is a clear case of identity theft, and Im requesting immediate action to resolve this.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had multiple checks and XXXX  payments taken from my account. It is becoming ridiculous. I am behind on bills and can be potentially evicted because of this. I plan on suing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hi the information on this account doesnt match mine my information DOB ssn full name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NM

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: TN

Complaint narrative:
I applied for this loan online not realizing that the interest rate is 99 % I have been paying on this loan for almost a year my balance has not went down one time. Since this is unlawful to treat someone this way and charge this much making it impossible to pay and the company gaining a 100 percent or more profit from a small loan. My credit is not good but not horrible and I pay my payments on time. When trying to find a way to speak with someone at this company about reducing this interest rate significantly. I could not find a way to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, I am writing in response to your recent notification that the charge-off on my credit report has been verified. After reviewing the results, I still believe that the charge-off reported under XXXX XXXX XXXXXXXXis inaccurate and requires further investigation. I previously disputed this entry with you, citing that the charge-off was incorrect, and I asked for an investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, your response to my dispute does not resolve the issue and fails to provide adequate evidence to support the charge-off 's validity. Under FCRA Section 1681b ( 2 ), information reported about me must be accurate. Additionally, Section 1681b ( 5 ) requires that any consumer report information must be used with a permissible purpose and must be accurate. It appears that the information provided by XXXX XXXX XXXXXXXXmay still be erroneous, as I have not been provided with clear documentation or verification of this charge-off. Furthermore, Section 611 of the FCRA mandates that, upon a dispute, an investigation must be thorough and completed within 30 days. Given that my initial dispute was not resolved satisfactorily, I am requesting that you reinvestigate this charge-off entry with greater care and attention to the accuracy of the reported data. I request the following : Proof of verification from the creditor that substantiates the charge-off entry, including account statements, payment history, and any supporting documentation. 
If the creditor can not provide satisfactory evidence that this charge-off is accurate, I request that the charge-off be removed from my credit report 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
Subject : Dispute of Inaccurate Information Request for Immediate Deletion of Accounts Dear Experian, I must express my deep dissatisfaction regarding the unjust entries on my credit report that have no association with me and are severely deteriorating my credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is my entitlement to precise, comprehensive, and confirmable details on my credit report. 

The accounts in question are listed under Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities. 

FCRA Sections Supporting My Dispute 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information This section requires credit bureaus to investigate disputed items and remove them if they can not be verified as accurate.

15 U.S.C. 1681e ( b ) : Accuracy of Information Credit reporting agencies are required to maintain reasonable procedures to ensure maximum accuracy. Including accounts that do not belong to me violates this provision.

15 U.S.C. 1681c ( a ) : Obsolete Information Information that is inaccurate or unverifiable should no longer appear on my credit report.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers Data furnishers are legally required to report accurate information. If they can not substantiate the ownership or validity of these accounts, the law mandates 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 2025-04-01 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
FIRST PROGRESS BANK AMOUNT BALANCE : {$240.00} DATE : XX/XX/year> SHOWS THAT I PAID LATE ON THAT DATE. THAT INFORMATION IS INCORRECT AND NEEDS TO BE INVESTIGATED AND BE UPDATED TO PAID OR PAYING AS AGREED TO ALL XXXX MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I looked at my credit report back on XX/XX/year> and notice some things are incomplete and not accurate on my credit report. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates too. 

I sent a letter asking them to re-investigate these account listed below ( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct. This account is not accurate. 

( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct. This account is not accurate. 

( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report. 

( XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report. 

( XXXX XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my Credit report ( XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed for over XXXX  years needs to be off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sund my brother XXXX XXXX XXXX dollar towards some bills for some reason the money nevr made it to his account and I talk to the XXXX customer service rep and still did get any help with my refund

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 2025-04-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-01 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: MO

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Im reaching out regarding a serious issue on my credit report. After reviewing my report, I noticed an account that was opened without my authorization. This is a clear case of identity theft, and Im requesting immediate action to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts are showing on my credit report, these are not my account APPLE CARD/GS BANK USA XXXXXXXX XXXX XXXX XXXX HOME DEPOTXXXX {$2000.00} XXXX XXXX were opened fraudulent in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Westlake Services, LLC
State: VA

Complaint narrative:
I paid off my auto loan with Westlake Financial on XX/XX/year>, with a final payment of {$6400.00}. Before making this payment, I contacted their customer service via phone and online chat, and they assured me that my title and lien release would be processed within XXXX weeks. 

However, after I made the final payment, Westlake Financial changed their response, stating that my title would not be released for XXXX  days after the payoff date. This contradicts the information I was given before payment. 

Since then, I have tried multiple times to contact them via phone and email to confirm the status of my title, but they have not responded to my emails or returned my calls. As of XX/XX/year>, it has been over 30 days since my loan was paid off, and I have not received my title or lien release.

Why This Is a Problem : 1. XXXX state law requires lienholders to release the title within 10 to 15 days after full payment ( if electronic ) or 30 days ( if mailed ). Westlake Financial is violating this requirement.

2. The delay is preventing me from selling, transferring, or properly registering my vehicle.

3. The company misrepresented the timeline before I made my final payment. 

What I Want : Immediate release of my title and lien release document.

A clear explanation from Westlake Financial regarding the delay. 
If they fail to respond, I request regulatory action to ensure compliance with XXXX title release laws. 

Supporting Evidence : Payment confirmation of {$6400.00} from XX/XX/year>. 
Screenshots/emails/chat logs of my previous communications with Westlake Financial.

Company response to consumer: Closed with explanation