vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of Estoppel by Silence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I am writing to formally dispute inaccurate information reporting on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

The account in question is : Creditor Name : [ XXXX ] Reported Status : Charged-Off Issue : Reporting an outstanding balance inaccurately This account is being reported as charged off while still showing a balance owed. If this account has been sold or transferred to another agency, the original creditor must update the balance to {$0.00} to comply with Metro 2 reporting guidelines ( base segment reporting rules ). Reporting a balance on a charged-off account that is no longer owned or has been paid is a violation of accurate credit reporting under Metro 2 standards.

Please investigate and correct the reporting error or provide verification that supports the accuracy of the current reporting. I also request that you mark this account with the appropriate compliance condition code ( e.g., XXXX XXXXsumer disputes the account ) during your investigation. 

Attached are supporting documents for your review ( if available ). 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Please remove the dispute comments with the credit reporting agencies XXXX XXXX and any other secondary credit reporting agencies from both my Capital One Bank accounts XXXX opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am no longer disputing any information on this account at this time. I am in the process of getting a mortgage and the dispute wording on this account is preventing my loan approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IN

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 2025-04-22 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
We have a XXXX XXXX XXXX VIN number : XXXX that we paid the auto loan with Santander ( account number XXXX ) off several years ago. When we went to get a duplicate NC title, the DMV said that there was still a lien on the title from XXXX XXXX XXXX ( account number XXXX ) which sold their auto loans to Santander a long time ago. We actually don't owe anything to XXXX XXXX and this lien should have been removed in XXXX when XXXX XXXX XXXX sold their loans to Santander. Santander should be able to provide documentation since they assumed responsibility for XXXX XXXX XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
RE : Unauthorized Hard Inquiry on Credit Report To Whom It XXXX Concern, I am writing to formally dispute unauthorized hard inquiries that appears on my credit report. The inquiry, listed under the names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and have not had any interactions or applications with this company that would warrant a hard pull of my credit. 



According to the Fair Credit Reporting Act ( FCRA ), any hard inquiry must have my express authorization. Since I did not give permission for this inquiry, I respectfully request that it be investigated and removed from my credit report as soon as possible. 



Please consider this letter a formal request for : XXXX. An immediate investigation into the unauthorized inquiry. 

XXXX. The removal of the inquiry if no documentation of authorization is found. 

XXXX. Written confirmation once the inquiry has been removed or corrected. 



Attached are copies of my copy of my government-issued ID, Social Security XXXX XXXX XXXX a FTC Report for identity verification purposes. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC bought the credit card thats been long time. They also called you like crazy every day. They did sue me before, but I hired a lawyer to fight against them since they wont response to my disputes. Now here they are again harassing me every day. Calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX SSN : XXXX Date : XX/XX/year> Account Number XXXX : XXXX Amount XXXX : {$990.00} LVNV Funding LLC P.O . XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Request Under FDCPA Account Reference # XXXX To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) demanding that LVNV Funding LLC immediately cease and desist all collection activities related to the above-referenced account.

RE : Cease and Desist Request Under FDCPA Account Reference # XXXX To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) demanding that Absolute Resolutions immediately cease and desist all collection activities related to the above-referenced account.

Furthermore, I am asserting my rights under 15 USC 1692c ( c ), which clearly prohibits further communication from a debt collector once written notice has been received requesting that communication cease. I am also aware that the term " communication '' is defined in 15 USC 1692a ( 2 ) as the conveying of information regarding a debt directly or indirectly to any person through any medium. This definition includes, but is not limited to, reporting to credit bureaus. 
Therefore, I consider any continued reporting to consumer credit reporting agencies as a form of continued communication in direct violation of federal law. 
If you believe you have the legal authority to continue reporting or contacting me in any form, you must provide written validation of the debt, including the original creditor, itemization, and proof that your company has legal ownership or assignment of this alleged debt. Otherwise, you are required to cease all activity, including furnishing information to any consumer reporting agency under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
Be advised that failure to comply with this notice may result in me pursuing all available remedies under federal and state law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and considering legal action for damages. 
I demand that you provide written confirmation of your compliance with this cease and desist request within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Information was stolen and put on the dark website, ssn, birthday, address and accounts. Along with things being on my credit, employment was filed and received to someone in my name from these actions. Employment fraud was filed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Problem with rewards, bonuses, or points/ Failure to honor promotion terms/ Misleading communication I am filing a complaint against E * TRADE / Morgan Stanley Private Bank regarding their refusal to pay a {$250.00} promotional bonus associated with opening a new checking account. Despite fulfilling all written requirements of the promotion and receiving multiple written confirmations from E * TRADE that I had met the qualifications, the bank denied the bonus without providing a valid, written justification based on the offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Chime Financial Inc
State: NE

Complaint narrative:
Chime Bank has reported that I have missed a payment for XXXX of 2024 for a credit builder card. I have disputed this with Chime, then XXXX and XXXX. At least 5 separate times, the error has been acknowledged and redacted from my report, but has repeatedly been added back to my report. The card that I am referring to CAN NOT be used without adding my personal funds to it. I can not make a payment to an account with XXXX balance and XXXX interest charges. My credit is suffering because of this repeated fraudulent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
2nd complaint about Navient. 
My name is XXXX XXXX XXXX, and Im writing to demand accountability and answers. I am a XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I borrowed less than {$7000.00} in student loans between XXXX, which were consolidated and marked paid in full by XXXX. I have not returned to school or taken out any new student loans since. 

Yet in XX/XX/XXXX, a new XXXX XXXX XXXX for {$23000.00} appeared on my account. It was labeled as a disbursement, but I never requested or authorized it. I never gave informed consent. I was not told this loan was being created. I didnt apply for anything. This was done behind my backor buried in a sea of confusing paperwork. If I did sign something, it was under false pretenses during a time when I was already overwhelmed by financial hardship, bankruptcy, and mental health trauma. 

Before XXXX took over this loan, it was handled by Navient, a servicer that has already been exposed for illegal and deceptive practices. I believe Navient initiated or influenced this fraudulent consolidation as part of a so-called clean-up after years of mismanagementlikely without clear disclosure to me, and without any option to opt out. 

My student aid file is filled with conflicting information : Loans are listed multiple times as Paid in Full Through Consolidationyet the debt never goes away. 

The XXXX loan falsely shows a disbursement, as if I was a student again. I was not. 

Interest and fees have piled on for years through capitalized interest, forbearance cycles, and default statuses I was never fully informed about. 

What began as a manageable debt from my XXXX has grown into a {$24000.00} financial burden that I should not owe. 

This feels like systemic abuse. This feels like gaslighting. I am a real person who has tried to do the right thingonly to be caught in an endless, confusing, and soul-crushing loop of lies, consolidations, and rebranded debt. 

I am demanding : A full investigation into how the XXXX consolidation loan was created. 

Proof of any consent I gave. 

Confirmation that my original loans were resolved in XXXX. 

Legal accountability for Navients actions, and oversight of XXXX role in continuing this harm. 

This is no longer about just a loan. This is about truth, justice, and reclaiming my name from a system that profits off confusion and silence.

Company response to consumer: Closed with explanation