vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I have request SCRA benefits as an XXXX XXXX Servicemember from the state of Ohio. While the account was opened after XXXX  XXXX XXXX, so the Federal SCRA does not apply, Ohio Revised codes 1321.62 and 321.59 caps military interest at 6 % with refund of all interest paid in excess of that refunded. I have provided 2 letters dated XXXX XXXX and XXXX XX/XX/2025 as well as a copy of my orders, my leave and earning statement and my member data summary sheet showcasing i am an Ohio resident on XXXX XXXX. 

Based on Ohio Revised code, my interest could be capped at a maximum of 6 % and the company refuses to follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
I am filing this complaint because my federal student loans, originally issued and serviced by the U.S. Department of Education ( DOE ), have been improperly transferred or sold to the XXXX XXXX XXXX ( XXXX ). The XXXX is not an authorized servicer of student loans, and I never agreed to this transfer in my original loan contract. This action raises serious concerns about the legality of the transfer and the handling of my personal and financial information, potentially violating the Gramm-Leach-Bliley Act and the Privacy Act of 1974. I have not received adequate documentation or justification for this transfer, and I am requesting that my loan be returned to a proper student loan servicer or dismissed if the transfer was unauthorized. I ask the CFPB to investigate this matter and ensure my rights as a borrower are protected.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX  has been harassing me through XXXX. They also have harassed me through housing like today I filled out the documentation for housing and then they put this on my credit report with XXXX  under a different name but is stating that it's still XXXX. I also paid them the amount I owed and they are charging me for a phone I mailed backed to them and I paid for a new phone. Also their was a increase in my student loans when they put this information on account. I find it really awkward that my credit score dropped and they changed the name for XXXX to something different and still is sending me communications about a bill after I have reported this to your agency. I can't keep taking the cyber abuse and the attacks in person by locating me through my phone. They have cut my XXXX they have sent people with colds to ride the bus with me. They have harassed and abused my son at school. The guy for housing even stated that I am oily and greasy and that I need to put wax in the bathtub in order to use it. The housing was terrible it had broken windows and all types of things wrong with it. They keep mistreating me and want stop. I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/year>2025. 

Source : XXXX Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/year>2025 Balance : {$720.00}

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 explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It has come to my attention. My personal information was exposed and a national data breach upon revealing my credit reports I noticed accounts that I do not recognize I have requested debt validation from the credit reporting agencies under 15 U.S.C.1692G, but they have failed to provide the necessary information likely due to my compromise data as a result I have filed a complaint with the FTC regarding these unfamiliar accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: CO

Complaint narrative:
I am filing this complaint against Koalafi ( West Creek Financial , Inc. ), regarding unfair and excessive charges under a Rental-Purchase Agreement I signed on XX/XX/year>. The agreement was for the purchase of a XXXX rear hatch glass from XXXXXXXX XXXX XXXX XXXX  XXXX, with a stated cash price of {$370.00}. 

Under the terms of the agreement, I was required to make semimonthly payments of {$37.00}, including {$3.00} in sales tax. However, as of today, I have already paid $ XXXX above the original price of the itemand I am still being charged a remaining balance of {$340.00}, bringing the total cost to over {$900.00}. This is more than double the original price, which I believe constitutes predatory lending practices and unfair business practices. 

Unfair Business Practices and Concerns : The total cost was not clearly disclosed or made transparent at the time of signing.

The excessive fees and inflated total cost far exceed reasonable financing terms. 

The company makes it difficult to exercise early buyout options and does not clearly outline how payments reduce the remaining balance. 

Koalafis terms include mandatory arbitration, which severely limits consumer rights to challenge unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-03-25 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 demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-03-25 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 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 2025-03-25 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: CA

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 2025-03-25 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: NY

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

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 2025-03-25 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: MS

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 2025-03-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1.Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2.Provide me with all documentation used to verify the accuracy of the disputed information.

3.Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. These are the accounts I marked inaccurate : 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 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had an account with DCU credit union I think I only put {$10.00} in there to open the account. I never actually used it one day. I got a text from DCU saying that a XXXX  amount was gon na be added to my counter taken out of my account Im not sure I seen it. I called and told them that that was not me. I did not authorize that next thing you know they took {$500.00} out of my account so I got stuck paying back the money I had contacted the bank about that. Also, I had told a friend too about it so somebody else does know that I did contact the bank I talked to somebody but she never wrote it down. I told him that was not me that requested that not to let it go through and they did so they ended up sending it to a place called XXXX XXXX I never got an answer back from them so I tried to open another account. I tried three banks and nobody would help me but nobody could give me an explanation why so the last bank I went to theyre the ones that told me to call that XXXX XXXX I found out the bank had turned it into them never telling them that it was a fraud. All they did was put it in under my name so I got accused of doing fraud against the bank when I had specifically told them I did not know who this person was and where it was coming from the girl that answered the phone never took it down because when I contacted the bank again, they said they would check into it next you know I got a letter stating that I had to pay that {$500.00} I contact to XXXX XXXX and paid them all off to get my credit restored so I can get a bank account. I am on XXXX XXXX. I was not even able to open an account because of that and now I cant even open accounts because of it its on my record through them. I want DCU to be responsible for this. I dont care if they dont pay me back the money at this point Im so XXXX XXXX  all I want is them to correct it through them because it put a marking on my record that I can not open any bank accounts for five years. I just got paid for my house because I sold it and I had a XXXX of a time putting that check in my account, this is really ridiculous. They didnt even really research it. I dont think they just sent me a letter stating that I had to pay it not even saying that it was a fraud because it was a fraud against me I had called them and told them not to accept this and they did anyway, and I ended up paying for it.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Letter written to company Credence resource Management Dear Sir/Madam, Account # XXXX I am writing to formally request validation of the debt listed on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting that you provide me with the complete details of the account ( s ) reported, including 1. The name of the original creditor.

2. The amount of the alleged debt.

3. The date the debt was incurred.

4. A copy of the original signed agreement or contract that created the debt.

5. Any documentation that proves the debt is valid, and that you are authorized to collect on the debt.

Please provide this information in writing, as required by law, and I request that you not mark the account as delinquent during the investigation period.

If you are unable to provide the above documentation, I request that the account in question be removed from my credit report and that no further action be taken on this matter.

As per the FCRA, if the debt can not be validated, the information must be corrected or deleted from my credit file. Please also be aware that I am entitled to receive a written response within 30 days of receiving this request.

Thank you for your prompt attention to this matter. I look forward to receiving the necessary validation documentation and an update on the status of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX  XXXX XXXX XXXX XXXXXXXX : Auto Financing account XXXX XXXX XXXX XXXX XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved

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 2025-03-25 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 am a victim of id Theft. XXXX keeps reporting to my credit report. i have since then got a lawyer and police report. please see attached

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 2025-03-25 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: WA

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

Company 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 2025-03-25 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: WA

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

Company response to consumer: Closed with non-monetary relief