vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, This letter serves as my FINAL WARNING before I escalate this matter through legal action, regulatory complaints, and media exposure regarding your willful violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 15 U.S.C. 1681b, and 15 U.S.C. 1681i.

I recently reviewed my credit report and identified unauthorized hard inquiries that I NEVER approved. According to 15 U.S.C. 1681b, a consumer reporting agency CAN NOT furnish my credit file to any entity without my explicit written consentyet these inquiries appeared without my permission.

Additionally, per 15 U.S.C. 1681c-2, I have the legal right to request a block or removal of any information resulting from identity theft or unauthorized access. Since I never authorized these inquiries, I demand their IMMEDIATE deletion from my credit report. The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C . 1681i, you are REQUIRED to conduct a full and fair investigation within 5 days. However, considering the clear violation of federal law, I expect this matter to be resolved immediately.

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 2025-03-05 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-05 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
In Accordannce with the Fair Credit Reporting Account # XXXX XXXX XXXX XXXX XXXX XXXX Has violented my right 15u.s.c 1681 section 602 A. State I have the right to privacy 15.u.s.c 1681 section 2 it algo State a consumer reporting agency can not furnish a Account without my written intruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being 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 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: VA

Complaint narrative:
I am submitting this complaint against Mid-Atlantic Finance Company for engaging in unfair and deceptive lending practices, including the misapplication of my down payment, improper charge-offs, and potential fraudulent financial reporting related to a vehicle loan. 

Background of the Issue : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX and financed the vehicle through Mid-Atlantic under a Retail Installment Sales Contract with an APR of 29 %. I made a {$1500.00} down payment, which was supposed to be applied to the principal balance of the vehicle. However, the dealership and lender misapplied my down payment, adding unnecessary fees first before applying my funds, increasing my finance charges unfairly overall increasing my monthly payments.

Additionally, Mid-Atlantic engaged in improper credit reporting by charging off this loan twice at separate times. While they recently corrected this issue on my credit report after I filed a dispute, this double charge-off raises serious concerns about their financial reporting practices and potential tax fraud. 

Violations & Issues Identified : Unfair & Deceptive Lending Practices Misapplication of Down Payment ( 15 U.S. Code 45 ) My {$1500.00} down payment was not properly applied to reduce the principal cost of the vehicle.

Instead, the lender structured the financing to include unnecessary fees first, ensuring I paid more in finance charges.

This resulted in me financing a higher amount than necessary at a predatory interest rate of 29 %.

Double Charge-Off Reporting & FCRA Violation ( 15 U.S. Code 1681s-2 ) The lender charged-off the same debt twice, which led to misleading and harmful credit reporting.

Though they removed the duplicate charge-off after I disputed it, the fact that it happened in the first place suggests improper accounting and financial manipulation. 
Potential Tax Fraud Double Charge-Off Write-Offs ( IRS & CFPB Concern ) Since a charge-off is considered a business loss, the lender may have written off the debt twice for tax purposes.

This could be a violation of tax laws if they claimed the same loss twice, reducing their taxable income more than legally allowed. They have since corrected this with the CRA 's as this serves as an admission of guilt.

If they engaged in fraudulent tax reporting, this needs to be investigated.

Failure to Provide Full Debt Accounting ( Potential XXXX  Violation - XXXX XXXX ) The lender has refused to provide a full accounting of the debt, including how the charge-offs were reported and justified. 
If they charged off the debt but still own it, they must disclose a complete financial breakdown of the loan balance and payment applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
We obtained an XXXX XXXX from M & T bank on XX/XX/XXXX. On XX/XX/XXXX we sent assigned payment amount of {$660.00}. This was an electronic payment who our bank guarantee that even by mail would only take 5 days. On XX/XX/XXXX we received a late payment in the amount of {$33.00}. I dont know what they did with the payment that was due XX/XX/XXXX with no late charge to incur until the XXXX. 

XXXX XXXX owed us a refund for overcharging us and submitted checks to M & T bank on XX/XX/XXXX, XX/XX/XXXX. The amounts of these checks were {$5600.00} and {$5400.00} & {$4200.00}. These checks were to be applied to principle only. 

On XX/XX/XXXX and XX/XX/XXXX we submitted payments for {$800.00} both times. 

Almost every day we check our online mobile app and the money submitted is constantly reversed and they add daily interest. We have called numerous times and always get a run around that they will check in to this. 

We have payed {$17000.00} off our loan and today the loan is more than we started with. This is completely unacceptable and would like to know what direction to take to resolve this. 

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 explanation
Consumer complaint received 2025-03-05 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: DE

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 2025-03-05 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Unverified Debt Violation of the FDCPA & FCRA To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting to the credit bureaus under my name. This account is currently appearing on my credit report and is severely impacting my ability to obtain credit and secure stable housing for my family. 

Upon review of my records, I have not received any prior communication from your company regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within five days of initial communication, including the amount of the debt and the name of the original creditor. Failure to do so constitutes a violation of my consumer rights.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a furnisher of information must ensure that any reported debt is accurate, complete, and verifiable. You are also required to conduct a reasonable investigation if a dispute is filed. Since you have neither provided proper validation nor obtained my express consent to report this debt, you are in direct violation of the FCRA. The legal precedent in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) establishes that a debt collector can not furnish information to credit reporting agencies without a permissible purpose. 

Given these violations, I demand the following : 1. Immediate cessation of reporting this unverified debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Deletion of this account from my credit reports due to failure to provide validation in compliance with federal law.

3. Written confirmation that you have ceased collection activities and removed this account from my credit file.

Failure to comply with these demands will result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action against your company for violations of the FDCPA and FCRA, which could result in statutory damages, attorney fees, and other legal remedies. 

I expect a written response within 30 days of this letters receipt. Please consider this notice as a formal dispute under both the FDCPA and FCRA. Any further reporting of this debt without proper validation will be seen as continued non-compliance and subject to legal consequences.

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 2025-03-05 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took my funds on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I use this banks atm every month and on the date listed above I was pulling XXXX dollars from my debit card. Well the atm didn't open to give me my funds you could see the currency, but couldn't take it. So i went into the bank and told an banker who came out to help, but was unsuccessful. Seeing what just happen she told me she could give me my funds, but upon learning that I wasn't a customer nothing was done.Told to call my bank which had no part in this. I have only one source of income and that's it so because of their atm and negilegence I'm facing being homeless and having no lights.

Company response to consumer: Closed with explanation