vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

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 2025-03-21 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-21 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: MI

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 2025-03-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: TN

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 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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally dispute the listing of a voluntary car repossession on my credit report. The repossession was reported as a negative item, but I believe it should not be reflected in this manner for the following reasons : Voluntary Nature of the Repossession : The repossession was voluntary on my part due to financial hardship. I proactively returned the vehicle to the lender in order to avoid further default and financial consequences. This was not an involuntary repossession or an action initiated by the lender without my consent. 

Impact on Creditworthiness : While I understand that voluntary repossession is still a significant event, I believe it should be reported with more context, such as " voluntary surrender, '' to avoid mischaracterizing my overall credit behavior. I did not neglect the loan intentionally and took steps to manage the situation responsibly. 

Request for Reconsideration : I kindly ask for a review of the information reported and, if possible, a modification to reflect the voluntary nature of the repossession. This adjustment would present a more accurate portrayal of my credit history and financial decisions. 

Please find attached any supporting documents, such as correspondence with the lender and a copy of the voluntary repossession agreement. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MA

Complaint narrative:
I found XXXX hard credit inquiries on my reports for credit cards I did not apply for. I contacted the companies and informed them they were fraudulent. I now need to get these removed from my reports.

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 2025-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-21 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

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 2025-03-21 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AL

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 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 2025-03-21 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Purchase Agreement, Request of Ownership and Removal from Credit Report I am writing to formally request the purchase agreement for the debt referenced above, as well as any supporting documentation related to the alleged debt. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, I have the right to request and review documents to verify the accuracy and completeness of any information being reported to the credit bureaus, particularly regarding accounts in collections. Specifically, I request that you provide the proof of ownership, original purchase agreement or contract that governs the transfer of the alleged debt from the original creditor to LVNV Funding. An itemized statement is not validation of debt. Additionally, as per Regulation F of the FDCPA, debt collectors are required to provide adequate documentation and proof of the debt being collected. If LVNV Funding is unable to supply the requested purchase agreement, proof of ownership or a wet signature agreement proving the validity of this debt, I hereby request that you remove this account from my credit report under the provisions of the FCRA. According to Section 605B of the FCRA, if you fail to verify or substantiate the debt within the required timeframe, you must delete the account from my credit history. Please note that I have previously requested that you cease and desist any and all communication pertaining to my credit report. Also please keep in mind that your failure to comply with these requirements within 15 days will result in my formal request for the removal of this account from my credit report. I would appreciate your timely response, as required by law. If additional documentation or clarification is needed, please let me know. Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
On XX/XX/XXXX I was charged XXXX $ while in XXXX after the merchant told me it was only going to be XXXX XXXX Once leaving the store I received a text asking if I made the purchase for XXXX $ which I responded no that's a fraudulent charge. 

Following up with the dispute process I provided all relevant information that I had related to this issue including transcripts with the credit card processing company ( XXXX  ) since I have not yet been able to contact the actual merchant. ( Credit company stated they have not been able to contact the merchant either ) After months of back and forth we can not contact the merchant yet the credit company has forced me to pay for the incorrect amount of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One regarding XXXX secured credit card accounts that I opened and that were both closed by Capital One in early XXXX. Despite responsible usage and full refunds of my security deposits, Capital One has reported inaccurate late payments and improperly charged fees and interest after the accounts were closed. 

Account XXXX : Capital One Secured Card ending in XXXX Opened XX/XX/XXXX and closed by Capital One on XX/XX/XXXX. 
Security deposit of {$200.00} was refunded on XX/XX/XXXX, confirming I had no balance due. 
Despite the closure and full refund, Capital One continued to report late payments and apply charges that led to a false balance. 
Disputed charges : {$25.00} XXXX XXXX XXXX on XX/XX/XXXX, due to XXXX being active after closure. 
{$25.00} XXXX XXXX XXXX on XX/XX/XXXX, despite no missed payments. 
{$25.00} XXXX XXXX XXXX again on XX/XX/XXXX, XXXX months after closure. 
{$0.00} and {$0.00} in interest charged on the above fees in XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Capital One after receiving a statement showing a balance of {$51.00}, made up entirely of these improper post-closure fees. Although I knew the charges were invalid, I paid the balance in good faith to prevent further credit damage. I am requesting a full refund of {$100.00} for these charges ( fees + interest + my payment ). 

Account XXXX : Capital One Secured Card ending in XXXX This account was also closed by Capital One. I received a full {$200.00} security deposit refund on XX/XX/XXXX. 
The XX/XX/XXXX statement showed a credit balance of {$200.00}, with no fees, interest, or past due balance. 
Despite this, the account is still showing on my credit report, and I am unsure if Capital One is reporting any negative history. I request that no derogatory or inaccurate marks be associated with this account. 
Requested Resolution : Immediate correction of all false reporting related to both accounts. 
Removal of all incorrect late payments, fees, and interest charges from my credit history. 
Refund of {$100.00} for charges associated with account ending in XXXX. 
Ensure no derogatory reporting is applied to account ending in XXXX. 
I have attached supporting statements and payment confirmation, and I am requesting a formal investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
Please refer to the attachments pertaining to the 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 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I had my account set up for auto payments that I set up online. On XX/XX/year>, I received an email that my account was past due. I then tried logging in with the username and password that my XXXX  stored when I set up the online access. None of which were working. When I selected forgot my username and password my username had been changed to all capital letter which is not how I set it up as. They also wouldnt allow me to reset my password online though I could provide them with all my details. This is predatory lending, unwilling to let someone access their account to make a payment to incur fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MS

Complaint narrative:
Hi I applied to XXXX last XXXX. I was never processed even before court problems started. I then reapplied on XXXX of XXXX  at the request of yall ( Mohela ). It was not processed during that time when they were able to process. I have been having to call every XXXX months to be put into admin forbearance with interest accumulating instead of automatically being put into a XXXX interest forbearance. I dont see how this is fair that I have applied to the IDR SAVE plan so long ago and was not put into SAVE forbearance. I have accumulated almost XXXX in interest and cant make qualifying payments bc a problem you all have created. I understand the courts arent making this easier however I would like to request that I not have to call every XXXX months and wait on hold for XXXX hours. I would also like to request that I be put in XXXX near forbearance as that is what I was told would happen almost 9 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation