vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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: CA

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 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 2025-03-04 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: TX

Complaint narrative:
Note that in this complaint that Equifax is the only Credit Bureau reporting the inaccurate information. Please send an updated credit report with my corrected address at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and immediately remove inaccurate, disputed accounts. Since XX/XX/scrub> 2024, Equifax has not corrected my credit file despite multiple phone calls, submissions of my ID, utility bill, SSN card, CFPB complaints, and FTC reports. All I receive is a automated generic stall letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: WV

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 2025-03-04 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-04 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carma Enterprises Inc
State: CT

Complaint narrative:
On XXXX XXXX my eldery aunt who is XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and uses a walker for mobility was brought to a car dealership by her XXXX XXXX XXXX illiterate spouse and his son to purchase a vehicle. While at the dealership a contract was signed by my aunt and her husband for a XXXX XXXX XXXX for {$16000.00} with XXXX of 19 % for 72 months with a {$380.00} monthly payment with a total sales price of {$30000.00}. I was notified by the bank that her debit card had been used {$2500.00} purchase. I called the bank to get the name of the merchant and was informed it was XXXX XXXX XXXX in XXXX XXXX, XXXX. I immediately contacted the dealership and informed them of the cognitive issues which are clearly visible with my aunt and her husband and spoke with sale rep XXXX, and manager XXXX XXXX who stated that this was a family issue and the contract would not be cancelled and no refund would be given. I even tried to give medical documentation from her treating neurologist stating her diagnosis and that she does not have the capacity to enter into any financial contracts due to her cognitive impairment. This transaction was influenced by the her husband and his son.She is being financially exploited. Both know of her cognitive impairment and used it to their advantage. Knowing all this information the dealership still refused to cancel contract. I also reached out to my local police department and was told to file a report with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Lead Bank Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} **Inquiries** 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My account is pending closure since XXXX XXXX. I still have {$150000.00} in my account. I called SOFI and they said my account is pending closure and I broke XXXX agreement. They wouldn't tell me what I did. I really need access to my money because of rent and bills being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing a complaint against Spring Oak Capital LLC for unlawfully adding a collection account to my credit report in the amount of {$1800.00}. 

On XX/XX/year>, I noticed that Spring Oak Capital LLC reported this collection account on my credit report. I did not receive a proper validation notice as required under 12 CFR 1006.34, nor was I given the opportunity to dispute the debt before it was reported, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Issues with the Reporting and Collection Process : Failure to Provide a Proper Validation Notice ( 12 CFR 1006.34 ( b ) ( 5 ) ) Spring Oak Capital LLC did not provide a breakdown of the alleged debt, including principal, interest, fees, and other charges.

Failure to Disclose the Charge-Off Date or Last Payment Date ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) The company failed to provide either the charge-off date or the date of my last payment, making it impossible to verify the validity of this debt.

Failure to Include Required Dispute and Validation Rights ( 12 CFR 1006.34 ( d ) ) The validation notice I should have received was either missing or incomplete, depriving me of my right to dispute the debt before it was reported.

Unlawful Credit Reporting ( 15 USC 1681s-2 ( 7 ) ( A ) ) Spring Oak Capital LLC reported this debt to the credit bureaus without properly verifying its accuracy. Additionally, they failed to notify the credit bureaus that I dispute this debt, which is a clear violation of their legal responsibilities. 
Actions Taken I have attempted to resolve this issue by I requested the debt be removed to XXXX, XXXX and XXXX, but Spring Oak Capital XXXX has not corrected their actions. 
Since they failed to provide a proper validation notice, they should not have reported this debt to the credit bureaus in the first place. 
Requested Resolution I demand that Spring Oak Capital LLC : Immediately remove this collection account from my credit report due to their failure to follow federal law.

Provide a proper debt validation notice with all required information. 
Cease all collection activity until they comply with the law. 
If they fail to comply, I will escalate this complaint to the Federal Trade Commission ( FTC ) and consider legal action. 

Thank you for addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
There is incorrect data on my credit report that is impacting my credit history. I did not authorize these companies to access my information. I am requesting for this information to be removed from 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 2025-03-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
There is incorrect data on my credit report that is impacting my credit history. I did not authorize these companies to access my information. I am requesting for this information to be removed from 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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They said they were closing my bank account and then my direct deposit from my job ups came in and they are holding it and refusing to release it or send me a check i have no funds this is my paycheck what would they do without their paycheck i have mouths to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

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 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 2025-03-04 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to see this fraudulent account on my credit report this fraudulent account is hurting my ability to get a home for my family please remove this fraudulent account from my credit report. 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 non-monetary relief
Consumer complaint received 2025-03-04 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: FL

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX there was an electronic funds transfer for {$20000.00} from a company that we do not know or recognize on my business account with Banco Popular XXXX XXXX. The transaction memo read XXXX XXXX XXXX XXXX INDUSTR SALE. Internet research of XXXX XXXX XXXX didnt yield and credible results and we were unable to contact the company to disucss this EFT . 

On Monday XX/XX/XXXX I called Banco Popular 's fraud department to find out the details of this transaction. They were unable to provide me with any information and indicated that a investigation will be opened. After they complete the investigation they will send me the results by mail. 

On the same day XX/XX/XXXX I went into my local branch to see if I can find out any specific information regarding this transaction. The branch was also not able to help me. They opened another fraud case. Indicated that it will take XXXX  days to complete and that it is not guaranteed that I will get my money back. 

I have security measures set up on my account. I have XXXX step verification set up for my online account. With any ACH or wire transactions through the banks webcash portal I have a token.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
The account was opened XXXX XXXX. The amount is {$1400.00}.

Company response to consumer: Closed with explanation