vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
Autopay. I wanted to find out if there is a better rate for my car loan. I didn't know they going to pull a hard credit check - I was just wondering what my rate will be. I have been up all night because of this. I work hard on my credit score. I was under the impression that when someone is inquiring about a particular rate, it's a soft pull. But I was sadly mistaken. Now this will sit on my credit report for 2 years. Judging from the reviews I have read on XXXX, XXXX not the only XXXX with this huge problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LA

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : XXXX XXXX XXXXDEPT OF ED, 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PayTomorrow, LLC
State: AZ

Complaint narrative:
this company calls me 4 times or more every single day and sends me text messages 2-3 times per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AR

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 2025-04-01 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: AR

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 2025-04-01 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, 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 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive been contacting these credit bureaus for months about these fraudulent account opened in my name time and time again and nothing has been done Ive been the victim of id theft but these companies keep violating federal law and need to be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Subject : Immediate Credit Report Removal Invalid Charge & Loan Status Discrepancy** I am writing to formally demand the immediate removal of an erroneous charge on my credit report associated with the following account : - **Creditor Name : ** XXXX  XXXX. 
- **Account Number : ** XXXX - **Account Type : ** Unsecured Loan - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$180.00} - **Terms : ** XXXX  Months I recently received a loan verification letter from XXXX  XXXX, dated XXXX XXXX, XXXX, which explicitly states the following : XXXX. The loan status is **Paid in Full** but was **Charged Off**. 
XXXX. I am **not responsible for repayment**. 

Despite this, the erroneous charge remains on my credit report, negatively affecting my financial standing. This account should have never been reported as a charge-off, as I had an **open dispute with XXXX before their acquisition** regarding an item that was lost and never received. The charge was unjustified, and its impact on my credit is unwarranted. 

Given the confirmation in your own letter that I am **not responsible for repayment**, I demand the immediate removal of this account from my credit report. 

Please provide written confirmation of the removal of this inaccurate reporting or provide valid proof supporting its continued presence on my credit report. 

Failure to comply will result in further legal action to rectify this unjust damage to my credit history. 

Sincerely

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
**Subject : Immediate Credit Report Removal Invalid Charge & Loan Status Discrepancy** I am writing to formally demand the immediate removal of an erroneous charge on my credit report associated with the following account : - **Creditor Name : ** XXXX  XXXX. 
- **Account Number : ** XXXX - **Account Type : ** XXXX XXXX  - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$180.00} - **Terms : ** XXXX  Months I recently received a loan verification letter from XXXX  XXXX, dated XXXX XXXX, XXXX, which explicitly states the following : XXXX. The loan status is **Paid in Full** but was **Charged Off**. 
XXXX. I am **not responsible for repayment**. 

Despite this, the erroneous charge remains on my credit report, negatively affecting my financial standing. This account should have never been reported as a charge-off, as I had an **open dispute with XXXX before their acquisition** regarding an item that was lost and never received. The charge was unjustified, and its impact on my credit is unwarranted. 

Given the confirmation in your own letter that I am **not responsible for repayment**, I demand the immediate removal of this account from my credit report. 

Please provide written confirmation of the removal of this inaccurate reporting or provide valid proof supporting its continued presence on my credit report. 

Failure to comply will result in further legal action to rectify this unjust damage to my credit history. 

Sincerely

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX : Immediate Credit Report Removal Invalid Charge & Loan Status Discrepancy** I am writing to formally demand the immediate removal of an erroneous charge on my credit report associated with the following account : - **Creditor Name : ** XXXX  XXXX. 
- **Account Number : ** XXXX - **Account Type : ** Unsecured Loan - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$180.00} - **Terms : ** XXXX Months I recently received a loan verification letter from XXXX  XXXX, dated XXXX XXXX, XXXX, which XXXX XXXX the following : XXXX. The loan status is **Paid in Full** but was **Charged Off**. 
XXXX. I am **not responsible for repayment**. 

Despite this, the erroneous charge remains on my credit report, negatively affecting my financial standing. This account should have never been reported as a charge-off, as I had an **open dispute with XXXX before their acquisition** regarding an item that was lost and never received. The charge was unjustified, and its impact on my credit is unwarranted. 

Given the confirmation in your own letter that I am **not responsible for repayment**, I demand the immediate removal of this account from my credit report. 

Please provide written confirmation of the removal of this inaccurate reporting or provide valid proof supporting its continued presence on my credit report. 

Failure to comply will result in further legal action to rectify this unjust damage to my credit history. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AR

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, Citibank closed my bank account without any explanation. Previously, I added my name onto XXXX of my brother 's citibank accounts, which resulted in his accounts being closed too. I went to a Citibank branch near me and asked about it. The banker called the back office for us and was referred to the fraud department. We were told to vertify all checks deposited on XX/XX/XXXX or wait for XXXX days and the account will be closed automactically and my money will be mailed back to me. We waited a month and my bother 's money were mailed back in early XXXX of XXXX. However, my money was no where to be seen. We contacted citibank again and was told that we need to vertify the checks in order for our money to be returned. As a result, we went to every single maker of the checks and begged them to call the citibank fraud number to vertify the checks. We spent XXXX days driving and visiting the makers to make sure they call in. We called XXXX department and was told that everything was vertified and that we just need to wait for processing. After a week, we called in again and was told that we need to vertify all the checks. We explained that we already did, but everyone we get told us there is nothing they can do. We went to a citibank branch again and was told by a banker that the money should be mailed to us XXXX. When XXXX  came, the same banker told us to wait until XXXX. XXXX  came and was told that it XXXX take up to XXXX weeks. We listened and check our mail everyday multiple times. XXXX weeks past and still nothing. As a result, we went back to the branch and was told that the money is with the XXXX branch and that we need to go to them and speak with the branch XXXX. At this point, we no longer trust any banker and called the fraud departnent number directly and was told to wait and the check will be mailed to us soon. We end up calling everyday and everyone keep telling us to wait until next week or couple more days. Now the XXXX department told us to wait XXXX business days. This is very unethical. Citibank closed our bank accounts without any explanation and kept lying to me left and right ; providing misinformation. I told Citibank that I need my money, but they do not care at all. $ XXXX of my money is being withhold for over XXXX  months without anyone knowing that is happening to my money. I demand Citibank to release my money right away and compensate me for the financial and emotional damages done by stealing my money.

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 monetary relief
Consumer complaint received 2025-04-01 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:
This collection from XXXXXXXX XXXX XXXXXXXX XXXX was not authorized to be on my credit report. This is fraudulent and a violation of my consumer rights and I demand this account to be removed. Im not liable for this debt. It says it was opened on XX/XX/year> or {$8000.00} with account numbers starting with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had 3 - {$250.00} transactions post to my checking account on XX/XX/year> for a total of {$750.00} that were fraudulent transactions. I received a text alert from Chase asking was this me and immediately text back no. I then called to tell them it was not me who made the transactions, this also happened with another bank where 2 - {$200.00} transactions were made from the same company on XXXX disputed these transactions with that bank also. I was locked out of my account with this company and have pages of evidence showing this. The company even admitted my account had been compromised, again I sent all this to Chase. An investigation was launched and from what I was told by Chase customer service, even though I submitted evidence from this company that I was locked out of my account and it was compromised Chase would not refund the {$750.00} that was fraudulently taken out of my account. I have made numerous calls to Chase and I was told on XX/XX/year> Chase closed the case. I am out of {$750.00} and again have all the evidence to prove it was not me but Chase did not care. I don't even feel my money is safe with this bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-01 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I had a debt with The XXXX I went to court and the judge ruled no money owed from me to the XXXX, the XXXX continues to try to collect the money even though courts have ruled no payment is owed. The XXXX has since sent the debt to a collection agency after refusing to communicate with me about the matter. After trying to address the matter with no response from the XXXX, they have still sent my debt to a collection agency that also ignores my emails.

Company response to consumer: Closed with explanation