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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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 2025-04-01 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: CT

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 2025-04-01 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint against Avant for its failure to properly respond and take corrective action after my initial complaint filed in XX/XX/XXXX regarding a fraudulent account and resulting late payment on my credit report. 

Despite providing Avant with documentation and following up on XX/XX/XXXX, the company has not removed the incorrect late payment. Their only response was a generic acknowledgment that my inquiry came through XXXX XXXX and a vague offer to forward my information to their Fraud Department. Since then, Avant has not followed up or resolved the issue in any meaningful way. 

As a result of their inaction, the false information remains on my credit report, and the late payment has caused significant damage to my personal and professional life. Most critically, it cost me a job opportunity, which relied on my maintaining good credit. I have also suffered ongoing reputational and financial harm as a result. 

Avants failure to investigate and correct this matter is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to promptly investigate disputes and correct inaccuracies.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Whom It May Concern, I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized 2017 data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. The fraudulent accounts include : XXXX bal XXXX These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the XXXX breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences. This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Self Financial Inc.
State: KY

Complaint narrative:
I hereby report that my personal and financial information has been fraudulently used by an unauthorized individual at SELF LENDER to apply for a loan or engage in any financial activity without my consent. I did not authorize or provide my information for any such purpose. Take appropriate action to resolve the situation, including securing my information and ensuring no further fraudulent activity occurs under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account being reported by Jefferson Capital Systems LLC. 


Fraudulent Account Information : Collection Agency : Jefferson Capital Systems LLC Date Opened : XX/XX/year> Balance : {$2800.00} Despite my efforts to resolve this matter directly with your company, the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, you are required to block and delete any information resulting from identity theft once appropriate documentation is provided. 

I have been a victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and no contractual agreement with Jefferson Capital Systems LLC. Despite receiving official documentation confirming my identity theft status, your company has failed to conduct a proper investigation, ignored my claim, and continues to report this fraudulent account, which is damaging my credit. 

Furthermore, I have verified with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Jefferson Capital Systems LLC does not hold a valid debt collection license in the State of Illinois. This raises serious compliance and legal concerns. 


Documentation Enclosed : 1. FTC Identity Theft Report Complaint # XXXX 2. Government-issued ID

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called multiple inquiries on my credit report for them to remove the unauthorized and unverified Inquiries and they did not. They said they could not since i don't have accounts with them or anything with them. and i Called Equifax and they said they cant do anything either that i Have to call them individually. so nothing is getting done from either or. it is damaging my credit and FCRA STATES that unverified and unauthorized inquiries must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
caine & weiner said i owe them money through the original debt collector XXXX XXXX, i told them how because it was a FREE ZERO walk away lease, XXXX did not want to give me any more info on the debt and just persisted to pay the debt, i asked for more info to be sent to me and they have done nothing, now they ignore my calls or hang up after i give my information...

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I applied for an IDR plan with XXXX loan servicing company upon receipt of my application my loans were supposed to go into forbearance until the application had been approved. Upon speaking with an agent from XXXX today, they stated they were indeed supposed to be in forbearance and not reported as late. The agent stated they will make sure to place the loans into forbearance and correct my credit history. Please see attached documentation below.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has locked my report and won't let me see it. XXXX XXXX  says they have a high debit card on my credit card because that's what they report. 

Now they're asking for a copy of my social security number, a copy of my ID, and the bank letter And they won't let me see my record because it's something they have just for themselves. The funny thing is that other companies that I don't give permission to see my credit do so without my authorization because Equifax provides or sells my information to them. Today, XX/XX/XXXX at XXXX, pm in california, I spoke with them and I will send them what they asked for, because I have no other option.

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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one cashed it out my check and didnt deposit into my account. I requested balance transfer check from XXXX XXXX, and XXXX XXXX  sent to the Capital One Bank to deposit into my capital one account. Capital One bank already received the check and they cashed it out on XX/XX/year>, but I never received it anything. They cashed it out and never deposited it into my capital one account. I have been contacted to capital one bank and they keep saying that they never received it and they never cashed it out. They keep lying about it, they didnt do any investigation about it.

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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sentXXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account information incorrect
Company: Experian Information Solutions 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX, I disputed a XXXX XXXX  ( XXXX XXXX ) charge-off tradeline showing a {$2200.00} balance. The tradeline reports a Date of First Delinquency of XX/XX/XXXX, a Last Payment Date of XX/XX/XXXX, and charge-off updates continuing through XX/XX/XXXX. These dates are inaccurate and re-age the account in violation of FCRA 623 ( a ) ( 5 ). 

XXXX has already acknowledged this reporting was inaccurate and modified the tradeline in response to my dispute. I am currently unable to view my TransUnion report due to an open dispute, but I know the same XXXX tradeline is still being reported inaccurately. 

I am requesting full deletion of the XXXX XXXX  tradeline from my TransUnion 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I no longer have access to the email or phone number on file with Experian. There has been no resolution. I can not get help from a human. I can not access my account. I can't login.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AUTO INSURANCE XXXX CHARGED ME FOR A SERVICE I NEVER RECEIVED. NEVER HAD ANY XXXX XXXX, MY CAR INSURANCE FOR THE LAST 4 YEARS IS XXXX. 
XXXX IS CHARGING ME {$880.00} FOR A SERVICE I NEVER RECEIVED

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have several inquiries on my report that I did not authorize

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX , a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Harley Davidson Financial Services Inc
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a formal hardship request to Harley-Davidson Credit Corp. ( HDCC ) under federal law, requesting a disability-based loan discharge, deferment, or any ADA-compliant accommodation under Section 504 of the Rehabilitation Act, the Equal Credit Opportunity Act ( ECOA ), and the Americans with Disabilities Act ( ADA ). I cited my federally documented XXXX and XXXX inability to operate the motorcycle securing the loan. 

HDCC responded via mail on XX/XX/XXXX, XXXX day before their deadlinedenying only the forgiveness request while completely ignoring their legal obligation to engage in an interactive process or offer reasonable accommodation. They failed to address or even acknowledge deferment or modified repayment, which are expected under federal law when a borrower invokes protections tied to a documented XXXX. 

I followed up via USPS Certified Mail, with physical signature return receipt, which was delivered on XX/XX/year>. As of today, HDCC has not responded at all. This is a direct violation of ECOAs anti-discrimination provisions and the ADAs requirement to provide reasonable accommodations in financial services. 

This company has demonstrated noncompliance, deliberate delay, and avoidance of their responsibilities under federal law.

Company response to consumer: Closed with explanation