vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Charged off XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Charged off XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX * * * * * * * * XXXX Opened : XX/XX/XXXX Balance Owed : {$4000.00} Charged off XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Collection XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Collection XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Charged off XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Charged off XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX * * * * * * * * XXXX Opened : XX/XX/XXXX Balance Owed : {$4000.00} Charged off XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Collection XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Collection XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection

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 2025-04-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-20 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 recently review a copy of my credit report and notice I had a Fraudulent account on my report. Please remove these accounts from report, they are hurting my ability to obtain credit.

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 2025-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I took out a personal loan from XXXX  ( Enova International ) in 2022. The original loan amount was approximately {$8100.00}. Despite making numerous payments totaling well over the original balance, my current balance is now listed as $ XXXXXXXXmore than double the original loan. 

The terms of this loan were extremely predatory, and the interest and fees have grown the balance to an unmanageable and unreasonable amount. XXXX  has refused to work with me to reduce or settle the debt despite repeated attempts on my part to negotiate a fair resolution. 

The company is not willing to offer any reasonable payment plan, interest freeze, or hardship consideration, and continues to report missed payments and a growing balance to the credit bureaus. My payment history shows only 8 % on-time payments, but this is due to the impossible terms and unaffordable monthly payments that have done nothing to reduce the principal. 

I believe this loan is a clear example of predatory lending, and I am requesting an investigation into their lending and collection practices. I am also asking for assistance in having this account reviewed for potential removal, modification, or interest forgiveness due to the abusive terms and hardship it has caused. 

What resolution are you seeking? 
Fair settlement or modification of this loan Interest and fees review Cease negative credit reporting while under dispute Regulatory investigation of XXXX lending practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL INFORMATION DISPUTE STATEMENT FOR CFPB.GOV Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX Email : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Personal Information Dispute Request for Full Removal of Inaccurate Data from Consumer Report I am filing this dispute regarding the personal information listed on my consumer report. There are multiple instances of inaccurate, outdated, or unauthorized data being reported under my name and personal file.

This dispute is being filed under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Sections 609 and 611, which mandate that only accurate, verifiable, and authorized information
may be reported.

I am formally requesting the immediate correction of my consumer report to reflect ONLY the following accurate personal information : - Full Legal Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Social Security Number ( Last XXXX Digits ) : XXXX - Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX - Email Address : XXXX I am requesting the IMMEDIATE REMOVAL of any and all of the following : Any misspelled, outdated, or unauthorized versions of my name Any former or unrecognized addresses that do not belong to me Any inaccurate or unauthorized employers Any phone numbers or emails not explicitly listed above Any and all personal identifiers not matching the above data These inaccuracies are harming my credit file and misrepresenting my identity. As the consumer, I have the right to a fully accurate report free of unverifiable or unauthorized information. 

I am requesting : A full reinvestigation of all personal information currently on file Removal of ALL inaccurate, unverifiable, or unauthorized data Written confirmation of the changes made A copy of the results of your reinvestigation, including source verification Deadline and Notice Please consider this a formal dispute and take notice that under the FCRA, you are required to complete the investigation within 30 calendar days of receiving this complaint. Failure to comply may result in further actions, including formal complaints filed with the Federal Trade Commission ( FTC ), state Attorney General, and legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
have sent letters XXXX  credit card XXXX XXXX XXXX credit reporting agencys with out getting the information i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
I purchased an XXXXXXXX XXXX  and XXXX  on XX/XX/year>, using my Apple Card. After receiving the device from Apple at my U.S. address, I had a family member ship it to me in XXXX using USPS. The package never arrived. USPS later contacted us and confirmed it was likely stolen at one of their internal facilities. I filed a theft report with the XXXXXXXX XXXX Police Department and submitted a formal complaint to the USPS Office of Inspector General ( Ref. XXXX XXXXXXXX ). 
Purchase price : {$3300.00} Reimbursement request : {$1800.00} ( XXXX XXXX XXXX ) Despite never receiving the product and providing documentation, Apple declined to assist since the package was shipped by a third party. I then contacted Goldman Sachs ( Apple Card ) to request a chargeback. They refused, claiming that delivery was fulfilled even though the theft happened in transit and is well documented. I am requesting a fair review and reimbursement for a documented loss that was completely outside of my control. I have the Apple receipt, USPS tracking, police report, and OIG complaint to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint which has not been done with the disputes submitted on XX/XX/XXXX. It is now XX/XX/XXXX and the fraudulent information remains although my FTC report has been attached to my disputes which is a violation of my consumer rights per FCRA 605B. The credit agencies have failed to investigate and comply with my disputes. This fraudulent, inaccurate, and false information consists of a several collections accounts, hard inquiries and incorrect personal information. Accounts are as follows : Credit card account XXXX  XXXX opened on XX/XX/XXXX in the amount of {$2500.00}, XXXX  XXXX account in the amount {$1200.00}, Collection account XXXX XXXX opened on XX/XX/XXXX in the amount {$1100.00}, Collection account XXXX XXXX in the amount {$130.00}, Auto Loan account XXXX XXXX opened on XX/XX/XXXX in the amount {$50000.00}. Hard inquires : XXXX XXXX XXXXXXXX XXXX and XXXX. and personal addresses XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX  XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX. The following incorrect Date of birth : XXXX, The following fraudulent employers : Self Employed, XXXX XXXX XXXX XXXX XXXX XXXX, Not Applicable.

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 2025-04-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX credit card opened through Capital One on XX/XX/year> without my knowledge or consent. It appears this person has my full name, phone number, and email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am frustrated with this company because I inherited my grandfathers jeep as he recently passed away so I dont need the vehicle anymore than has the loan in it. I was told I could do a voluntary repossession or sell it for the payoff amount. The payoff in my car is {$4500.00} ( 2010 XXXX XXXX ) yet the car is not even worth {$2000.00}. When I bought this car it was {$7900.00} and the used lot added on a warranty that I had no idea about which was {$1600.00}. Then credit acceptance added {$4000.00} of interest to my loan. So now, I have to do a voluntary repossession because nobody will purchase my car for the amount I need to pay off my loan and take a huge hit on my credit. Which I just filed for bankruptcy to rid student loans off my credit and that was declined.

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 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I contacted them and told them to remove it off my credit because I dont owe any money they are saying that it was a crime and if I dont pay other things will happen. So once I told them I wanted to start a payment plant they said ok. And when that day came to start paying they went behind my back and put me in collections so now I want it removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
My student loans accounts were access and compromise without my authorization. My personal information was compromised as well which violates my family and personal rights under the FERPA privacy act. Given the severity of this breach my credit scores have been affected too. I request that you cancel my student loans debt 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 2025-04-20 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: NJ

Complaint narrative:
My student loans accounts were access and compromise without my authorization. My personal information was compromised as well which violates my family and personal rights under the FERPA privacy act. Given the severity of this breach my credit scores have been affected too. I request that you cancel my student loans debt 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 non-monetary relief
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Dispute of Incorrect Debt * * Dear Sir/Madam, I am writing to formally dispute an incorrect debt listed under my name in your records. The debt referenced is related to an account identified by the following details : - * * Account Number : * * - * * Amount of Debt : * * [ XXXX - * * Date Reported : * * [ XX/XX/year> I believe this debt is inaccurate for the following reasons : - [ Provide your reason for the dispute : e.g., I never opened an account with the company, I have already paid off the debt, the amount is incorrect, etc. ] I request that you conduct a thorough investigation into this matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide me with the following documentation to verify this debt : 1. A copy of the original contract or agreement related to this debt.

2. A statement showing the detailed breakdown of the debt amount.

3. Any supporting documentation that proves this debt is valid and falls under my responsibility. 

Until this matter is resolved, I kindly ask that you cease reporting this inaccurate information to the credit bureaus and take any necessary steps to correct your records. 

Please send written confirmation of the results of your investigation and any actions taken to resolve this matter. 

Thank you for your prompt attention to this dispute. I look forward to your timely response.

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 2025-04-20 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: NY

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 :

Company response to consumer: Closed with non-monetary relief