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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX : {$4300.00} & XXXX XXXX XXXX/XXXX/2023

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX : {$4300.00} & XXXX XXXX XXXX/XXXX/2023

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I SEEN A USAA XXXX XXXX WITH A CHARGE OF {$5500.00}. I NEVER OPENED UP AN ACCOUNT WITH USAA AND WHEN I TRIED TO REACH OUT TO THE COMPANY THEY WOULDNT GIVE ME ANY INFORMATION ABOUT THIS CHARGE AND WOULDNT TRANSFER ME TO THE FRAUD DEPARTMENT SO I COULD REPORT IT AS FRAUD. I ASKED ON SEVERAL DIFFERENT TIMES TO SPEAK WITH SOMEONE HIGHER UP SUCH AS A MANGER OR SUPERVISOR OR EVEN A TEAM LEAD AND I NEVER GOT ANYWHERE. SOMEONE FINALLY REACHED OUT TO ME ON XX/XX/XXXX NAME XXXX AT EXT XXXX I MISSED THE CALL AND CALLED BACK XXXX MINUTES LATER NO ANSWER CALLED EVERDAY SINCE AND NO ANSWER IT STATESS ON HER VOICEMAIL THAT SHE WOULD BE OUT OF THE OFFICE ON XXXX AND BE BACK IN THEOFFICE ON XX/XX/XXXX AND I STILL CANT GET HER ON THE PHONE EVEN THOUGH IT STATES THAT SHES IN THE OFFICE FROM XXXX TO XXXX AND THE SAME GOES FOR XXXX AT XXXX XXXX. I HAVE BEEN CALLING NON STOP TRYING TO GET TO THE BOTTOM OF THIS LEAVING MESSAGES AND I GOT NO RESPONSE. IT BAFFLES ME THAT A COMPANY CAN PUT CERTAIN INFORMATION OUT THERE BUT WHEN YOU TRY TO CHECK AND GET IT TAKEN CARE OF NO ONE IS THERE.

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

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 gives me the right to dispute and have fraudulent information removed from my credit report. Additionally, 15 U.S.C. 1681b ( f ) requires that credit inquiries have a valid purpose.

Im submitting this dispute through the CFPB to ensure these unauthorized inquiries are investigated and removed. Id appreciate your prompt attention and confirmation once the issue is resolved.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I went to the upstart website to apply for a consolidation loan. I had to make an account to apply for the loan. After completing application I decided I did not want the loan or an account with this company. The woman said she removed my application and deleted the account. I then on XX/XX/XXXX get XXXX denial emails in my email which tells me they did not delete the application or the account. I called them and the customer service person told me he can not delete the account. I then asked to speak with supervisor and he transferred me. The supervisor told me he can not delete the account. I then told him I have the right to erasure and he still refused to delete the account. He said he would escalate it. I said If you do not delete my account right now I am contacting CFPB. He still refused to delete the account. I then get an email saying they deleted me off the email list but I still have an account. I want my account Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Southern Auto Finance Co
State: NC

Complaint narrative:
Had a car loan and it was in a accident with XXXX  to cover the cost due and safco charged me on my credit when XXXX  paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I am disputing owing any and all debts listed by this collection agency because they are violating my consumer rights by their harmful actions described below : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency is violating my consumer rights by denying me the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has NO AUTHORITY to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-6 2 ( 7 ) ( A ). Furthermore, I am revoking all rights of the collection agency to communicate with me through email/text/phone calls.Their harmful actions against me are causing me great XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Im requesting a 1099c, that I never received from capital one.

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: VA

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
KINDLY HELP ME. I'M GETTING XXXX  UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am disputing owing any and all debts listed by this collection agency because they are violating my consumer rights by their harmful actions described below : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency is violating my consumer rights by denying me the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has NO AUTHORITY to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-6 2 ( 7 ) ( A ). Furthermore, I am revoking all rights of the collection agency to communicate with me through email/text/phone calls.Their harmful actions against me are causing me great XXXX XXXX and XXXX

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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reprise Fincial/webban 02/21/2025
Cap One Autofin via dealer 03/27/24
Navy Federal Union 02/20/2025

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

Complaint narrative:
Reprise Fincial/webban 02/21/2025
Cap One Autofin via dealer 03/27/24
Navy Federal Union 02/20/2025

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few weeks ago, I received a deposit from the IRS and deposited it at a Bank of America branch located on XXXX XXXX XXXX in XXXX, Florida. The deposit cleared without any issue at the time. However, a few weeks ago, Bank of America unexpectedly placed a new hold or review on my account related to that same depositwithout providing any clear explanation. 

I contacted the IRS, and they confirmed there were no issues or concerns with the deposit. I then reached out to Bank of America, but the representatives I spoke with were consistently rude, unhelpful, and dismissive. At the branch, the teller who handled the deposit made inappropriate and biased comments about how I planned to use the funds, with XXXX undertones that made me feel discriminated against and unfairly judged. 

This situation raises serious concerns not only about how my account was handled but also about the broader issue of bias and XXXX XXXX  within the institution. I am requesting a formal investigation into the actions of the staff at that branch, the handling of my account, and Bank of Americas internal policies related to fair and equitable treatment of customers.

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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-03-21 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: Kikoff Inc.
State: FL

Complaint narrative:
I have tried to resolve this issue with the company above that I have not sign any contract with are submitting collection on my credit report. After so many attempt they continuously damaging my credit report by submitting false claims even after I ask for the original contract it was never provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX I have tried to resolve these issues with the company above that I have no sign contract with that submitting alert on my credit report after so many attempts, they never comply. I would like the CFPB to notify my complaint against this company to remove the negative account on my credit report as soon as possible.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX I have tried to resolve these issues with the company above that I have no sign contract with that submitting alert on my credit report after so many attempts, they never comply. I would like the CFPB to notify my complaint against this company to remove the negative account on my credit report as soon as possible.

Company response to consumer: Closed with explanation