vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-01 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: WA

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I took out a debt consolidation loan with XXXX XXXX XXXX for a few debts I owed including credit card debt with Truist Bank where I also bank. XXXX was to automatically debit my account and forward the money to Truist. This worked well until the beginning of XXXX. All of the sudden I am receiving dunning notices and phone calls from Truist. to be honest I ignored them as my bank statement showed me that XXXX was dutifully taking the money out of my account each month. I assumed that they were paying Truist. Then it got serious. MY XXXX XXXX TOOK A XXXX POINT DROP! 
I have repeately called both XXXX and Truist to find out what is going on. The best answer I could get from a nice lady at XXXX who told me the the Payment is due to Truist on the XXXX. XXXX releases it on the XXXX which is technically past due. Truist then takes a very long time to credit my account which makes the payment very past due. Neither compahy is willing to adust their date. 
I don't understand why this just became an issue this year. It seemed to work well for XXXX months then crashed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. 

XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 2025-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed medical collection information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Medical collections continue to be reported by Transunion that is negatively impacting my credit. Despite efforts to resolve this directly with the reporting agency it remains unresolved. I request an immediate investigation and removal of these medical collection accounts, this information, as it is inaccurate and does not reflect my true credit history. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I was reviewing my credit report and see an account reported as in collection for {$6200.00}. I sent a letter to the company asking for a fraud packet to fill out for them to initiate an investigation. They do not respond. I also asked them to provide a copy of the signed contract and or signed credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV FUNDING LLC Sir/Madam : I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report.

To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history. Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will b
e considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint because my credit report includes inaccurate personal informationspecifically, names, addresses, and phone numbers that are not associated with me. I have disputed this information directly with XXXX, yet the incorrect names, addresses, and phone numbers remain on my report. Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. XXXX has failed to meet these obligations. They have not provided sufficient evidence to justify the continued reporting of this incorrect information. It is very important that this matter be thoroughly reviewed and that the inaccurate personal information be removed from my credit 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 2025-05-01 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: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint to report serious misconduct by Capital One Auto Finance in the origination and administration of my vehicle loan. 

On or about XX/XX/2018, I entered into a retail installment agreement with Capital One Auto Finance, believing I was receiving a loan for the purchase of a vehicle. However, I later discovered that Capital One did not actually lend any of its own funds, but rather used the promissory note I signed as the funding instrument a material fact that was never disclosed to me at the time of the transaction. 

In other words, my signature created the funds, and Capital One monetized that note or sold it into the secondary market, yet presented themselves as the lender, collecting payments with interest as though they had advanced funds on my behalf. This constitutes a fraudulent concealment of the true nature of the transaction and an unjust enrichment on their part. 

Despite repeated inquiries, Capital One has failed to : Provide a copy of the original wet-ink promissory note. 
Provide a complete accounting of how the funds were created or used. 
Disclose any third-party securitization or sale of my signed instrument. 
Clarify whether any funds were actually loaned from Capital Ones reserves.

This behavior violates several provisions of federal consumer financial laws, including : The Truth in Lending Act ( TILA ) for failing to disclose the actual source of funds.

SEC anti-fraud regulations ( see Rule 10b-5 and OCC Banking Circular 182 ) for presenting misleading information.

Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act.

Capital Ones conduct has led me to make payments under false pretenses, believing I was repaying a legitimate loan. I am seeking immediate redress and intervention from the CFPB to compel Capital One to provide a full accounting and correct the fraudulent structure of this alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a notification that Capital One was conducting a credit check on me. I never signed up for a capital one card at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 explanation
Consumer complaint received 2025-05-01 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: Accelerated Receivables Solutions
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute with XXXX  on a collection account. A short while later I was informed that the dispute with XXXX XXXX ( original creditor XXXX XXXX XXXX ) in the amount of {$1400.00} was not changed as a result of their processing of the dispute. 
XXXX  claims the company that reported the information has certified to them that the information is accurate. 
I submitted another dispute citing that under the CFPB 's new rules it ( for one ) Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. 
Again, they refused to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Request for Immediate Investigation and Correction To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and harmful information being reported to the credit bureaus by both GM Financial and XXXX XXXX XXXX XXXX. These inaccuracies have negatively affected my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to consumer reporting agencies must be complete and accurate. 

XXXX. GM Financial ( Account ending in XXXX ) This creditor has reported a late payment for XX/XX/XXXX, which I dispute as inaccurate. I have made all required payments on time, and there is no valid basis for this derogatory entry. Under FCRA Section XXXX ( a ) ( XXXX ) ( A ), a data furnisher must not provide information that it knows or has reasonable cause to believe is inaccurate. Additionally, under FCRA XXXX XXXX, I am entitled to dispute any information I believe to be incorrect and request that the furnisher of that information investigate and respond in a timely manner. 

XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX has reported a late payment for XX/XX/XXXX, which I also dispute as incorrect. I made this payment within the contractual grace period and in accordance with the terms of the account. The reporting of this payment as delinquent is inaccurate and misleading, which violates my rights under the FCRA. Furthermore, I have not been provided any documentation substantiating this alleged delinquency. 

Both of these reporting errors are severely impacting my creditworthiness, causing distress and potential denial of future credit opportunities. As a consumer, I am protected under the FCRA ( 15 U.S.C. 1681 et seq. ), and I demand the following actions be taken immediately : XXXX. A full investigation by each respective financial institution ( GM Financial and XXXX XXXX XXXX XXXX ) into these claims. 
XXXX. Immediate correction and removal of the inaccurate late payment notations from all consumer reporting agencies. 
XXXX. Written confirmation that these corrections have been made. 

If these issues are not resolved promptly and accurately, I will consider pursuing further action, including filing formal complaints with the Federal Trade Commission ( FTC ) and considering legal remedies under the FCRA for damages caused by negligent or willful misreporting. 

Thank you for your prompt attention to this matter. I respectfully request acknowledgment of receipt of this complaint and confirmation of the steps being taken to resolve it. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX SSN : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please help me, I have attached supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I contacted XXXX customer service directly to request a deferment or forbearance on my personal loan after being laid off. I explained my financial situation and asked for assistance, hoping to avoid falling deeper into debt during this difficult time. 

I have been a responsible borrower and have made on-time payments for XXXX years without fail. Despite this strong payment history and my clear communication about my current hardship, I received no follow-up or update after my initial request. It was only when I called again that I was informed my forbearance application had been denied. No one contacted me to notify me of this decision, and I was told there was nothing further XXXX could do to assist me. 

This lack of communication and unwillingness to offer supportespecially to a long-standing borrower with a consistent recordfeels dismissive and deeply unfair. I am not seeking to walk away from my obligations. I am trying to act in good faith and protect my financial health while I recover from job loss. 

I am asking XXXX to reconsider their decision and offer a reasonable solution, such as deferment or another hardship option, so that I can regain stability without taking on additional debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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