vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I am writing to express my strong dissatisfaction with the erroneous entry on my credit report as outlined in the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I hereby demand a thorough investigation and immediate removal of the inaccurately reported charge-off account referenced below. 

Account Details : Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$6200.00}

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I recently had XXXX XX/XX/XXXX. While XXXX XXXX  I tried to access online account and put in wrong info. I received and email stating account was locked. A few hrs later I received another email stating account would be closing. Ive been with CAPITAL ONE SINCE XXXX and never had as many problems within the past few months. XXXX XXXX and my source of income is XXXX XXXX. I rely on on-line banking to cover bills. My DIRECT DEPOSIT post on the XXXX of each month. I havent had access to my account since XX/XX/XXXX. Ive tried reaching out to CAPITAL ONE @ least 20 times, to NO AVAIL. UNPROFESSIONAL STAFF. 
I contacted SOCIAL SECURITY around XX/XX/XXXX, to explain ACCOUNT was closed. Unfortunately it was too late to STOP DIRECT DEPOSIT. I was then told : CAPITAL ONE must contact SOCIAL SECURITY and inform them ACCOUNT is CLOSED, then DIRECT DEPOSIT would BOUNCE BACK and SOCIAL SECURITY would then issue paper check. I then find out account isnt closed, due to investigation on FRAUDULENT CHARGE DISPUTE. I have since received 4 letters from CAPITAL ONE ON RECURRING CHARGES FROM BLOCKED CARD, AND BALANCE IS IN NEGATIVE. As I stated before, I havent had access to my account since XX/XX/XXXX. I also contacted XXXX XXXX  regarding RECURRING CHARGES from BLOCKED CARDXXXX XXXX XXXX no longer has access to my ACCOUNT and says last transaction they see is from XX/XX/XXXX. CONTRARY to most, WE LITTLE PPL CANT SURVIVE IF WE DONT GET ( 1 ) OF OUR SOCIAL SECURITY PAYMENTS. Ive emailed CAPITAL ONE, NUMEROUS TIMES, NO REPLY. I HAVE TO PAY BILLS, RENT, EAT. I LIVE ALONE, NO FAMILY, MOTHER JUST PASSED AWAY AND MISSED FUNERAL due to no ACCESS to account to travel out of state. CAPITAL ONE has faced NUMEROUS CLASS ACTION LAWSUITS, they CAN/CANT AFFORD ANOTHER. I NEED HELP ASAP CHECKING ACCOUNT # XXXX DONT HAVE SAVINGS ACCOUNT #

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

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 2025-04-14 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: FL

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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
XXXX Failing to Remove Fraudulent Affirm Account Despite Identity Theft Documentation To Whom It May Concern : I am filing this complaint against XXXX for its repeated failure to remove a fraudulent account from my credit report, despite multiple disputes and submission of supporting documentation proving identity theft. 

The fraudulent account is listed as follows : Creditor : Affirm Inc Account Type : Unsecured Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Charged Off ) Status : Closed, Charged Off as of XX/XX/XXXX XXXX Reference : ( see attached screenshot for exact listing details ) I am the victim of identity theft. I did not authorize or open this account. I have already submitted the following to XXXX : Identity Theft Affidavit Police Report Proof of identity Prior dispute requests Documentation showing the account was opened fraudulently Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 Blocking of information resulting from identity theft, the credit reporting agency is required to block and remove fraudulent information when a consumer provides proof of identity theft. 
15 U.S. Code 1681i Procedure in case of disputed accuracy, mandates that agencies must investigate and correct or delete any incomplete or inaccurate information within 30 days. 

XXXX has failed to fulfill these legal obligations. I am demanding that : 1. This account be permanently deleted from my XXXX credit report within four ( 4 ) days. 
2. I receive written confirmation once the account has been removed. 

Please find attached the image of the account in question and supporting documentation. I request the CFPB to take immediate action to ensure XXXX complies with federal law. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed a deposit of {$230.00} for an item with XXXX XXXX. However, I did not receive the item on XX/XX/XXXX, so I emailed them asking to cancel the order and issue a refund. They said they delivered the order on XX/XX/XXXX, which I never received due to my moving on XX/XX/XXXX. Now this debt is being reported on my credit report even though I asked for the account to be closed and to be issued a refund XXXX  days prior to them delivering it. Now, on XX/XX/XXXX, they have given the contract over to Monterey Financial Services LLC, which states I have to pay for an item I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio recovery associates XXXX Account Improper use of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Complaint Against Acima Credit Fraudulent XXXX  Account and Identity Theft Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Acima Credit in relation to a fraudulent account that I never authorized. I was recently contacted by a third-party collector or law firm attempting to collect approximately {$3000.00}, claiming the debt originated with Acima Credit for a jewelry purchase. 

I want to make it very clear : I never opened an account, financed any jewelry, or authorized any transaction through Acima or any affiliated merchant. 

On XX/XX/XXXX, I was a victim of identity theft, after losing my wallet. I promptly reported the incident to the Federal Trade Commission at XXXX, and I have an official Identity Theft Report on file. 

Despite me informing the collector that they had the wrong person, they made threatening references to seizing my vehicle as an asset. I have not received any court summons or judgment related to this matter. These intimidation tactics are deeply concerning and may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I respectfully request the Consumer Financial Protection Bureau to investigate the following : Whether Acima Credit failed to properly verify identity before approving the original account Whether Acima or its third-party collector has violated federal consumer protection laws That Acima provide documentation or proof of any such account, or confirm its immediate closure That Acima cease all collection attempts and remove any credit bureau reporting associated with this fraudulent account Please assist me in resolving this matter. I am happy to provide further documentation, including a copy of my FTC Identity Theft Report, upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

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 2025-04-14 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: MO

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 2025-04-14 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: UT

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 2025-04-14 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: UT

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 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc.
State: IN

Complaint narrative:
XXXX months ago I opened a credit building account with Kikoff Lending and I was under the impression, like all the other companies that do this, that if I cancelled my account before the XXXX  months was up I would receive a payout for the money I paid into it, I mean why wouldn't I get that money back? I had no physical credit card, no access to my line of credit to use and nothing I could do with it. I just paid {$35.00} a month that was automatically taken out of my bank account to have a {$3500.00} line of credit. I'm not paying them for any sort of goods or anything or paying off money that I can spend, and I didn't receive anything from them. XXXX, XXXX XXXX both gave me payouts for my money that I paid into their credit builder accounts when I cancelled, because why wouldn't I get that money back? There's no real or right reason on how XXXX is able to do this. I cancelled my account this morning because I NEED to get car repairs done, thinking I was getting $ XXXX {$280.00} back from them for the money I've put into the account and received nothing from it. My account just goes blank, with no option for payout or anything and so I called them and they just continued to run around the same idea that they can just steal people 's money because they didn't make it to the XXXX  month mark. There is no contract stating I have to be involved for XXXX  months, or at least not one I was EVER aware of when opening the account. This is straight up fraud and this company needs to be shut down. They misrepresent what they offer and then scam people put their money doing so. What a shame. There is no way to make sense that they are able to do this and it is utterly and completely wrong and should 100 % be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-14 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/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 2025-04-14 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, 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 2025-04-14 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/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 2025-04-14 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: OH

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies Subsection ( a ) : Duty to provide accurate information Furnishers ( like banks, lenders, etc. ) must provide accurate information to credit reporting agencies. 
If they find that any information they've already provided is not complete or accurate, they must correct it. 
They cant report information they know is inaccurate or has been disputed without noting the dispute. 
Theres also a duty to notify if an account is closed voluntarily by the consumer. 
Subsection ( b ) : Duties after receiving notice of dispute If a consumer disputes an item on their credit report and the credit bureau notifies the furnisher, the furnisher must : Investigate the dispute. 
Review relevant info provided by the bureau. 
Report results back to the credit bureau. 
Correct or delete any inaccurate or unverifiable information. 
This part only applies if the dispute comes through a credit reporting agency, not directly from the consumer. 
This account was deleted on XXXX was also investigated by TransUnion and XXXX but was verified how was it verified by u guys and delete by 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