vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/year>, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable. 
The fraudulent inquiries appearing on my report are as follows : - XXXX XXXX - XX/XX/year> - XXXX XXXX XXXX - XX/XX/year> - XXXX XXXX  XXXX - XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

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 2025-03-24 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I went to the XXXX muffler store in XXXX NJ to get a wheel alignment on XX/XX/year>. I had a XXXX  voucher for the alignment. Well after inspecting the car the service rep came out and said you know your car can use shocks and stabilizer links as well as a front axel. I replied no i just want the alignment. Then he started selling me on a promotion they were running on there credit card with no interest for a year telling me they will set it up for equal monthly payments with no interest. Well low and behold i told him to check my credit and comenity bank who issues the XXXX  card approved me immediately for XXXX dollars. Then i asked how much was all this going to cost, he replied around XXXX and change. I figured ok im already there so he gave me the number to set up the payments with comenity bank. The man at the bank asked me for my routing # and my account # and he set up equal monthly payments. The only thing i asked is to make sure it doesnt exceed the promotion period and he replied it wont we dont do that! The payment monthly was XXXXper month and he said they give you a short grace period so it wont go beyond the promotion. Now dont forget this wasnt set up on my online banking it was set up by comenity. They were pulling from my checking account i had no control of it except to watch the money being drawn out every month. Well once the twelfth payment was to be drawn out they sent me a statement for XXXX. I called them immediately and they said i let the promotion run out. I said you set up the payments for the promotion and you promised not to let it go over. They said i was responsible for the bill but they would investigate the situation and somebody would get back to me in a couple days which didnt happen. Just days before the last payment was suppost to be drawn i went to XXXX  XXXX XXXX and stopped them from stealing any money from me because at this point i didnt trust them any further. I then sent them the last payment in the form of a check and called back and asked them to cancel the credit card. Now it gets better, they never cancelled the credit card and this month they sent me a bill for XXXX including penalties and interest. I feel they did this purposely to a senior citizen on a fixed income. I checked with the XXXX  and they have qustionable rating at best! Can you help me in this regard because its hard enough for a senior to make ends meet in this economy! I cut up the XXXX card the day i asked them to cancel it but the last four on the bill is XXXX. 
My sincerest Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: NV

Complaint narrative:
Because of the the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 

Because of these data breaches, on XX/XX/year>, I received a notification from my Bank saying there was an update on my credit report. Upon further investigation, I was notified that a new address that does not belong to me was added to my credit report by my student loan servicer. My bank connected me to XXXX to file a dispute. When I tried to file a dispute with XXXX, I received a message from XXXX saying that I need to file a complaint with my student loan servicer. I reach out to my Student Loan Servicer to ask for them to remove the false information from my credit report ( s ) due to the onset of these data breaches, but I have been met with no response or update on possible theft my identity and personal account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> I opened an account online I never received my card on the mail I let customers service know about it they never resolved.They keep XXXX saying they could not access my account due that I didn't know my security word.And my online account is blocked as well I don't have access to it neither. Because I tried to reset my password but I don't have the debit card number I never received. I send a letter notarized on XX/XX/year> and have not received nothing to solve this problem. My tax refund was sent to this account I have bills to pay and I don't get no respond am really disappointed at the customer service I haven't got no one to help me solve this problem. I have everything to proof my identity that that's my account .I don't have a branch close to me since am in Texas.I would like to solve this problem.Thank 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 2025-03-24 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC has published information on my credit report in the balance amount of {$330.00}. I have never applied for an account with I.C System , Inc and request this information be deleted and removed from my credit reporting as according to the FCRA.

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 2025-03-25 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: PA

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report.

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-25 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: PA

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report.

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
In XXXX of XXXX, I received notices that my account with fortiva was past due. 
The account was opened in XXXX XXXX. Apparently 2 accounts were opened at that time.

I called to check on it as I had not taken out an account. I was told the charges were all in person charges at XXXX XXXX in Florida. I have not been to Florida in over 10 years or more. The lady on the phone at Fortiva even said it looks like fraud. 
I have sent several letters since asking for proof that it was me. All they sent me was a form asking for my driver 's license. I was reticent to give it as I did not apply for this account and I did not trust the bank .I did file a police report. 
I sent letters on XXXX, XX/XX/XXXX, XX/XX/XXXX discussing the dispute and requesting information regarding the validity of my account.

Apparently 2 accounts were opened at the same time. I have not EVER seen an itemized list of purchases on either account. Only a bill with the latest amount. I have never purchased anything on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XX/XX/year> {$9500.00}. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
My vehicle was taken between the evening of XXXX XXXX of XX/XX/XXXX. I have serious concerns regarding this process, as it appears to have violated California repossession laws and my rights as a borrower. 

1. Breach of Peace Unauthorized Entry The repossession agents entered my gated community without permission, which constitutes a breach of peace under California law. Repossession companies can not unlawfully enter secured or private property without proper authorization, nor can they force entry or engage in unlawful conduct during a repossession. If they did not have explicit permission from the property owner or management, this action was unlawful.

2. Lack of Notice to Cure I did not receive any notice of my right to cure the default before my vehicle was repossessed. Under California law, lenders must notify borrowers of their right to bring the loan current before taking further action.

3. No Post-Repossession Notification As of today, I have not received the legally required Notice of Seizure ( within 48 hours ) or the Notice of Intent to Sell ( within 15 days ). These notices must outline my rights to reinstate or redeem the vehicle, as well as any fees associated with the repossession.

4. Failure to Provide an Inventory of Personal Belongings The repossession company has failed to provide an inventory of my personal belongings, nor have I been given instructions on how to recover them. California law mandates that personal property inside the vehicle be documented and made available for retrieval.

I have sent postal mail to the company on 3 separate occasions asking for this information and have not received a response. Last week I received a voicemail offering a " settlement '', but don't have any prior information about my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ) account, Account No. ending in XXXX I am following up on my recent dispute regarding the charge-off accounts inaccurately reported on my credit file. In your response, you stated that the accounts in question were " Verified as Reported '' without providing the legally required documentation. I attached documentation. Are you not reading it? 

See my compalint and your response attached

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 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an ongoing issue with a third-party debt collector, Hunter Warfield , which has had a significant negative impact on my credit report and my daughters ' credit report on this joint account. Despite my attempts to resolve this matter in good faith, I am unable to make any progress and have faced significant challenges as a result.

I have made multiple attempts to settle a debt that, as of this writing, stands at a balance of {$1100.00}. The collector, Hunter Warfield, has proposed that I pay {$900.00} to settle the debt, and I only want to pay {$200.00}, but I have yet to receive any confirmation or documentation from them that proves I have contracted with them or owe this debt. To resolve this, I contacted Hunter Warfield multiple times. Unfortunately, I was hung up on several occasions, and no written documentation of the debt or any evidence of the agreement has been provided to me. 

I have requested written proof of the debt from them on several occasions, specifically on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XXXX. However, no success in receiving any response or documentation has occurred. I believe Hunter Warfield is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Texas law regarding debt validation and the requirement to provide proof of debt.

As a result of these failed attempts and the lack of cooperation from Hunter Warfield, my credit has been severely impacted, and I have been unable to move into a new rental apartment due to the negative mark left on my credit report. Furthermore, when they attempted to negotiate with me to settle the debt for {$900.00}, I declined, as I do not have clear proof of my obligation to pay such an amount.

I am requesting that the CFPB investigate this matter and assist in ensuring that my rights are upheld according to Texas and federal laws. The collectors lack of communication, failure to provide proof of debt, and failure to follow proper procedures have caused undue stress and financial hardship, particularly in my attempts to secure housing. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation