vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Subject : Request for IRS Form 1099-C ( Cancellation of Debt ) Dear, I am writing to request a 1099-C ( Cancellation of Debt ) form for the charged-off debt associated with my account [ Account Number ]. I noticed that this debt has been classified as a charge-off on my credit report, yet I have not received a 1099-C form for tax purposes. 

Due to financial hardship, I was unable to meet my obligations on this account, and I would appreciate it if you could provide me with the appropriate documentation regarding the cancellation of the debt. This information is important for my tax records and financial recovery. 

If you have already submitted a 1099-C to the IRS, I kindly request a copy for my records. If not, I would appreciate any clarification on whether the debt has been officially canceled and reported. Account XXXX XXXX XXXX XXXX Account number XXXX Please send the requested form to the address listed above or inform me of any additional steps required to obtain it. If you need further information, you may contact me at XXXX or XXXX. 

Thank you for your time and assistance in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/year> I sent my letter out to TransUnion to remove these things off of my credit report that I have no knowledge of this collection account. 9 accounts on my reports that I put dispute. them 9 accounts that I dispute they dined me TransUnion did .so on XX/XX/year> I put in again to have this mess removed. also, with XXXX amount of XXXX I want to have ever thing removed open and close ones on my credit report I can't get a house to live in or anything half of these accounts I don't know about

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 2025-03-26 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: AZ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXXXXXX XXXX XXXX XXXX acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-26 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I lost my wallet, made a police report regarding the loss which included a credit card from First National Bank of Omaha. When I received a billing statement there were fraudulent charges on that card in the amount of {$4100.00}. I contacted the Fraud Department of the issuing bank and reported the fraudulent charges immediately. I then brought a lawsuit against the bank and won a judgement against payment of the complete fraudulent charges billed on the card. Since I only made a single payment in the amount of {$370.00} on the fraudulent charges to avoid any late fees while the case was open, that was the amount of my judgement for reimbursement which included the discharge of the total fraudulent amount of {$4100.00}. I contacted the bank 's lawyer, XXXX XXXX XXXX at XXXX on numerous occasions and never got any response. Now The XXXX Law Firm at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX is a collection law f firm that filed a lawsuit against me for the fraudulent amount to illegally try and force payment from me. I have provided this collection law firm with a copy of the police report and the court judgement but they are continuing their illegal collection. I also contacted them by phone and left several messages and have not received any return call.

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 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: LJ Ross Associates
State: WI

Complaint narrative:
Repeatedly notified through email of a medical debt of XXXX owed to XXXX XXXX XXXX account # XXXX. A collection agency called LJ ROSS Associates on contacted me on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. I emailed them back stating that hardship was a factor and that I can not make the payment and just days later on XX/XX/year> they emailed me again under a state collection service but this time, the FULL payment is now owed which is XXXX. 
I'm under the impression that this is Fraud and Harassment. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Lexington law credit reporting had an open class action for previous clients. I have uploaded my screenshots showing I was a prior paying customer, however I was not issued a check for this class act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Dispute 1 : Account Number : XXXX Company Name : Ability Recovery Services Type of disputed information : Unknown Credit Account and Inaccurate Dates associated with the disputed item : The debt was reported as opened on XX/XX/XXXX. This does not match the day I was told the debt was initially incurred on XX/XX/XXXX. 
Explanation of item being disputed : I dont recognize the account in question and challenge its legitimacy. 
The information being reported is inaccurate. 
When I called the debt collection agency today, XX/XX/XXXX, I was told that it was for a medical bill that occurred on XX/XX/XXXX. When asked why that date is not listed as the date the account was opened, as the law requires it to be listed as the date of the original delinquency, I was told they did not have to. They also said the account is closed, and it is showing up as open on my credit report. 
I let them know that I never received anything from them. They said they sent me a letter to an address that I dont reside at and that they were not entitled to take any additional steps to contact me. My number and address have not changed for years and are easily accessible. They are on the credit report they put the charge on. 
When I asked for the company that the debt originated with, they told me they could not help me because they no longer had an active account, so I couldnt verify the bill 's authenticity. 
Thank you for your assistance.

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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
We left in good standing and this charged appeared in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 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: AZ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, I was given an auto loan from Capital One Auto Finance ; the rate of the loan will cost me {$10000.00} more than the price of the car when I am finally done paying. 
The dealership did not talk to me about this, however, I did ask if I could refinance and they said yes. Capital One Auto Finance does not allow you to refinance. 
It is now XXXX of XXXX and I am barely making payments. In one month 's time I have paid over {$1000.00} to try and get the loan current. I have asked for other options, they keep tacking months onto the loan - costing me more and more money. 
I have been in constant contact with Capital One ; they refuse to lower the interest rate. I find this incredibly unfair and actually, unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could inclu
de signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance to the fair reporting act these creditor have violated my rights under 15 USC 1681 SEC 602 I have the right to privacy 15 USC 1681 604A SEC 2 it also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance to the fair reporting act these creditor have violated my rights under 15 USC 1681 SEC 602 I have the right to privacy 15 USC 1681 604A SEC 2 it also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
I would love some help with an issue I'm having with Tesla. I purchased my XXXX XXXX XXXX  used from Tesla and the car was and is still under bumper-to-bumper warranty. I've had dozens of issues with the built-in dashcam and sentry modes that have stemmed from an update Tesla made , which has also resulted in my USB drives causing repeated errors.

And while the USB drive error may not seem bad, it causes issues with the sentry mode and dashcam where they don't work and these features are some of the main reasons that I purchased the car, also making the car valuable to me and my family. Despite this, even though the car is still under warranty, Tesla Service in XXXX is trying to charge me for my ninth service center visit for this same issue. 

Here 's a list of my visits for this same ( and related ) issue : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have invoices for each, and again, each correlating visit has been under warranty and now even though my car is still under warranty, Tesla is trying to charge me for attempting to fix this for my ninth visit for this same issue.

Company response to consumer: Closed with explanation