vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company : Capital One Auto Finance Account # : XXXX On XX/XX/XXXX, I called Capital One Auto Finance after receiving an email about possible repossession of my XXXX XXXX XXXX. During the call at approximately XXXX XXXX a representative explained that if I paid {$350.00} by Friday, XX/XX/XXXX, repossession actions would be stopped. I agreed to this plan and told her I needed about one hour to confirm payment arrangements. I requested a callback, and she acknowledged this and stated she would log it into the account notes. 

Despite this understanding, less than three hours later, my vehicle was repossessed while I was preparing to finalize payment. When I called back at XXXXXXXX XXXX, a different representative informed me that the {$350.00} amount was incorrect and could not explain why it was offered. 

This conduct constitutes misrepresentation, bad faith, and a potential wrongful repossession, violating consumer protection and fair repossession standards. 

I am requesting the CFPB assist me by investigating Capital Ones conduct and ensuring : 1. A full review of the circumstances of this repossession 2. That Capital One provides me with account notes, call logs, and repossession documentation 3. That any collection or deficiency efforts be paused until this dispute is fully resolved Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 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: FL

Complaint narrative:
I am disputing several unauthorized hard inquiries currently appearing on my credit reports with Experian, Equifax, and TransUnion. These inquiries are not associated with any open credit accounts, and I have never received or accepted credit from the companies listed below. 

Additionally, I have previously disputed these with the credit bureaus and was told they were verified. However, no documentation or evidence of my written consent or application was provided to justify these inquiries. 

I am requesting that these inquiries be deleted unless the data furnishers can provide written proof of my authorization, as required under the Fair Credit Reporting Act ( FCRA ). 

Inquiries NOT linked to any open account : 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 XXXXXX/XX/XXXX These inquiries have no associated open accounts, which supports that no credit relationship was established. If no verifiable authorization is available, I request the credit bureaus to delete these inquiries immediately in accordance with FCRA 611. 

Thank you for your prompt investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX these address must be removed immediately. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX these address must be removed immediately. I have never worked at these institutions. I do not know where this information came from. Please remove it 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 non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I recently submitted a dispute regarding account number XXXX with the creditor XXXX. However, although the dispute was closed, the comment that appears on the report is still incorrect. Everything else on the account is accurate. These erroneous elements are negatively affecting my credit, so Im requesting that the information be reviewed again and properly corrected.

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 2025-05-13 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: FL

Complaint narrative:
I recently submitted a dispute regarding account number XXXX with the creditor XXXX. However, although the dispute was closed, the comment that appears on the report is still incorrect. Everything else on the account is accurate. These erroneous elements are negatively affecting my credit, so Im requesting that the information be reviewed again and properly corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Kikoff Inc.
State: SC

Complaint narrative:
Subject : Unauthorized Charges and Breach of Agreement by Kikoff Complaint : I am submitting this complaint regarding Kikoff and their unauthorized and deceptive practices.

I previously removed or disabled Kikoffs access to my payment method. Despite this, Kikoff still managed to charge my card without my authorization. This is a clear violation of my consent and raises serious concerns about their handling of user financial data and compliance with payment authorization laws.

In addition, Kikoff failed to deliver on what was promised in our agreement. I was led to believe that I would receive specific benefits or services in exchange for my paymentshowever, those were never provided. This not only constitutes a breach of contract but also misrepresentation of their product or service.

I attempted to resolve the issue directly with Kikoff, but I have either received no meaningful response or was given generic replies that did not address the core of the issue I am requesting that the CFPB investigate Kikoffs practices, as they appear to involve unauthorized access to customer funds and misleading financial agreements. I also seek a full refund of the amount taken and for appropriate regulatory action to be considered. 

Please let me know if any additional documentation is needed. 

Company Name : Kikoff Type of Issue : Unauthorized transaction / Deceptive marketing / Failure to provide promised services Date of Incident : XXXX XXXX  Amount Charged : {$60.00} Thank you for your time and assistance in addressing this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
See attached document I am a victim of identity theft. Ive discovered fraudulent accounts on my credit file, including those from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I did not authorize or open these accounts. I am requesting that they be removed and blocked under FCRA 605B. My FTC Report ( # XXXX ) is attached for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( XXXX XXXX and TransUnion ) have failed to update the account information for my XXXX loan, even after I provided proof. The current reporting inaccurately shows that I owe a balance of {$6900.00}, when my most recent loan statement clearly shows an ending balance of {$5800.00}. 

I have contacted each bureau directly and submitted documentation supporting the correct loan balance, but the inaccurate information continues to be reflected on my credit reports. This misinformation is negatively affecting my credit profile and has impacted my ability to access fair credit opportunities. 

I am requesting that the Consumer Financial Protection Bureau assist in having the credit bureaus investigate and correct the account details for my XXXX loan based on the evidence I have provided.

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 2025-05-13 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 the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was part of data breach and ever since my scores have been declining and inaccurate information of accounts has been added to my report, companies looking into my report I have no knowledge of, have been requested to provide drivers license and social security card by out of country representatives of the credit bureau company and still not able to have access to my reports, my information has been breached twice and every time my score drops down into the XXXX and even XXXX, when I worked hard to keep and have my score XXXX and XXXX, scores are continuing to drop and I have not opened any account nor do I owe and my income is on my report as to the source of income, that is no one business as to my income, I am not sure who is putting all of that on the report and I know this from the last time I was told by my realtor that there was things on my report that should not be there

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was part of data breach and ever since my scores have been declining and inaccurate information of accounts has been added to my report, companies looking into my report I have no knowledge of, have been requested to provide drivers license and social security card by out of country representatives of the credit bureau company and still not able to have access to my reports, my information has been breached twice and every time my score drops down into the XXXX and even XXXX, when I worked hard to keep and have my score XXXX and XXXX, scores are continuing to drop and I have not opened any account nor do I owe and my income is on my report as to the source of income, that is no one business as to my income, I am not sure who is putting all of that on the report and I know this from the last time I was told by my realtor that there was things on my report that should not be there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I filed a dispute on XXXX, Credence Resource Mana due to me not knowing about the debt. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged that the company accepted unreliable information, failure to notify consumer dispute results. The aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting both a house and a car. XXXX  violates my rights as a consumer, as well as federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant has twice collected double payments in a month. I am in a hardship program and I am to pay XXXX a month. This is the second time I have accidentally scheduled a payment and asked for it to be canceled on the same day before the cut off time for the payment to post. Avant says they can not cancel payments scheduled for the same day, managers can and they refused to allow me access to management, and will not cancel the payment so that they can collect two payments in the same month which is illegal. They told me to contact my bank and cancel the payment, I did this and my bank said that they need three days. This is the second time they have done this in the last few months. Then they charged me a insufficient funds charge on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Im having issues with TransUnion reporting these negative reports on the behalf of XXXX XXXX XXXX XXXX and other companies where Im getting denied of my credit worthiness. It has been brought to my attention on how my rights are being violated and when I reach out being told they will investigate for them to come with it been verified without proper investigation verifying besides what they are being told

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
Im having issues with TransUnion reporting these negative reports on the behalf of XXXX XXXX XXXX XXXX and other companies where Im getting denied of my credit worthiness. It has been brought to my attention on how my rights are being violated and when I reach out being told they will investigate for them to come with it been verified without proper investigation verifying besides what they are being told

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 2025-05-13 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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