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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Received letter from comenity bank that they wanted me to call them regarding processing application for credit card for XXXX XXXX. I called the bank and they would not give me any info unless I gave them my SS number. I refused that request. They also did a hard pull on my credit. This is all fraud related. I never applied for any credit card. I put a freeze on my credit and need the inquiry removed from my credit score. Thank you

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has hindered my life for quite a while now. Every time the fraudulent account is removed from my credit profile capital one somehow get the fraud account back now my report. I have expressed several times that I have no knowledge who this account belongs to. I am a victim and capital one is not treating me as such! The amount owed is {$340.00} and I have disputed the account several times. It would come off then it gets added back. Capital one have some decency. It is not my fault that my personal information was compromised.

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:
On XXXX XXXX, XXXX I received a letter from XXXX XXXX telling me " my application '' ( on or about XXXX XXXX, XXXX ) for a credit card had been turned down. The letter showed my correct credit score of XXXX which had been provided by Experian to XXXX. I had not applied for a credit card. 

After calling XXXX, I contacted Experion and found that also on XXXX XXXX, XXXX someone applied for a credit card in my name from XXXX XXXX XXXX I immediately placed a fraud alert on my account and later placed a freeze with the 3 reporting agencies. When I called my local police I was told that they were unable to do anything with cyber crimes. 

As a result of this identity theft, my credit rating dropped down to XXXX with no lapses on my part. After multiple phone calls to XXXX, and waiting on hold for over XXXX minutes, I spoke to a real person who demanded a police report and refused to assist me further when I told her they were unable to provide one for me. 

Today ( XX/XX/XXXX ) I received a letter from XXXX showing that the XXXX fraudulent hard inquiries will stay on my credit report until XXXX of 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: Experian Information Solutions Inc.
State: MO

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: 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, 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and my goal is to pay off my auto loan in full before the first payment is even due, which is XX/XX/year>. I have already made a large payment of XXXX dollars toward the loan, but over XXXX dollars of that was applied to interest. The lender told me my daily interest rate is XXXX dollars, so after about XXXX  days, I expected interest to be around XXXX dollars, not over XXXX dollars. The numbers do not add up and I have not been able to get a clear explanation. 

I have tried calling and using the chat support several times but I am not getting clear answers. I was told that extra payments toward principal only count if they are made on the same day as my regular payment. Since my first payment is not due yet, this policy is confusing. I am doing everything I can to pay off this loan quickly in lump sums to avoid extra interest, but I need clear guidance on how my payments are being applied and how to make sure they go directly to principal. 

I really need someone to explain the interest charges so far, how payments are being applied, and how I can pay this off in the smartest way possible before my first payment is due.

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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, 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 non-monetary relief
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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received letter from XXXX XXXX that they wanted me to call them regarding processing application for credit card for XXXX XXXX. I called the bank and they would not give me any info unless I gave them my SS number. I refused that request. They also did a hard pull on my credit. This is all fraud related. I never applied for any credit card. I put a freeze on my credit and need the inquiry removed from my credit score. 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Was told my loan would be cheaper and cheaper rates. And it wasnt. I have emailed them before on this and never heard back. 

Shortly after I got this title loan, I emailed corporate. I explained to them that XXXX was doing title loans and not being 100 % honost and was deceptive in my opinion and I needed help that the rates were killing me that this was in deed ... .NOT a better deal. I never heard back, no call, no emails, no follow up. 

On XXXX, XX/XX/XXXX, I spoke to a girl at the Titlemax main office. I think her name was also, XXXX. Very nice and helpful. I explained that I was going to be making my monthly payment that XXXX, instead of XXXX. She said, no problem. I wasnt even late at that point. But called to let them know I would be a few days late. XXXX  days to be exact. 
She said she notated the account and nothing to worry about. 
She said I could always call her because I explained I did not like dealing with XXXX. She also calmed my fear of having my car repod, being just a few days late. She said... Oh no..your fine. You would have to be really late and you would get notification in the mail, etc... letting you know that it was going to be repocessed. That I was totally fine. 
So, XXXX, XXXX called me to remind me I had a payment due. I told her that I spoke to XXXX at Titlemax corp office and that I made a payment arrangement, that I was making payment a few days late, and that my account was notated. 

XXXX said ... '' Well we don't have anything to do with that and we cant see any notes that have put on your account. I then told her, I'm making my payment, on XXXX. And that was it. 

I got home from work about XXXX XXXX  evening. I woke up around XXXX, and had a text message, the usual text message you get if your payment is late and the text said, your payment is past due, and your account in jeapordy. 
Please contact Titlemax for arrangements. I went to take XXXX  XXXX  after I read text about XXXX ... ... and my car was gone. 
I had not received any communication via phone, mail, or anything. Nothing. Except the text message I got that morning... ..after my car was already taken. I spent hours on the phone trying to get in touch with someone and kept getting passed around, given incorrect phone numbers, kept getting disconnected, was told there were phone issues. 
Noone would give me there names. The only info I got, finally, was that my car was in XXXX XXXX, and that I had till the XXXX to pay my past due plus monthly payment, {$1100.00} and I could arrange to get car back. I finally got something in the mail, on XX/XX/XXXX, the envelope was dated XX/XX/XXXX. There was nothing in it but a piece of paper stating my car was collateral and what items were in my car.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report also lists a XXXX  record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this XXXX  entry and, if it can not be substantiated, its removal.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing the reinsertion of the XXXX XXXX account ( Account No. ending in XXXX ) on my Experian credit report. 

This account was deleted as of XX/XX/year>, and inexplicably reinserted by XX/XX/year>, without any notice. I was not informed in writing, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I do not recognize this account and believe it may be the result of identity theft, a mixed file, or otherwise unverifiable information.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Proper Notice You are required to provide written notice within 5 business days after reinserting any previously deleted item. I received no such notice regarding this reinsertion. 

2. FCRA 611 ( a ) ( 5 ) ( C ) Failure to Certify Accuracy Before Reinsertion Information previously deleted may only be reinserted if the furnisher ( XXXX XXXX  ) certifies its accuracy. Please provide documentation that such certification was received.

3. FCRA 611 Right to Dispute Inaccurate or Unverifiable Information Because I do not recognize this account and it was previously removed, I am again exercising my right to dispute. You are required to : Investigate the accuracy of this account.

Obtain verification from the furnisher, including signed application, billing statements, or proof of use. 
If the account can not be verified, it must be deleted. 
This account is not mine, and I request deletion on the basis of possible identity theft, a mixed file, or unverifiable data. 

4. FCRA 609 Right to Full Disclosure I formally request : A copy of the original application for this credit account.

Billing records or transaction history.

Any records used to verify the account 's ownership or status.

If you or the furnisher can not provide these records, this account must be removed.

5. FCRA 607 ( b ) Obligation for Maximum Possible Accuracy You are required to report information that is complete, factual, and accurate. Re-reporting a disputed account without resolving the dispute or without updated verification is a direct violation of this duty.

6. FCRA 605 Obsolete Information presence must be accurate and verifiable during that time. Anything less is a violation. 

Action Requested : I am demanding that Experian, Equifax and Transunion immediately : Delete the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide written confirmation of deletion. 
Send me a full updated copy of my credit report once the change has been made. 
If this matter is not resolved within the required 30-day period, I will escalate with a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and may pursue further legal remedies under the FCRA.

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: 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. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX & XXXX XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$460.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$50.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$3100.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to the law firm XXXX XXXX XXXX regarding a Discover Bank account. I sent it via certified mail, and they never responded to my request. 

Despite not validating the debt, the firm filed a lawsuit in court. I then made a good-faith payment of {$25.00} on XX/XX/year>, and on the same week I submitted a written payment proposal through their website, offering to pay {$100.00} per month starting XX/XX/XXXX. Again, I received no response. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ). They initiated legal action without validating the debt and ignored multiple good-faith efforts to resolve the situation. I am now facing a court hearing on XX/XX/year>, while the company has refused to engage in any fair negotiation or respond to my proposals. 

I am requesting that the CFPB investigates this case and urges XXXX XXXX XXXX to respond to my proposal and halt legal proceedings until the matter is properly addressed.

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

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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: VA

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

Company response to consumer: Closed with non-monetary relief