vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This is in response to Self Financials letter dated XX/XX/year>, regarding my formal complaint ( Case # XXXX ). 

While I acknowledge the sequence of events outlined, I must reiterate that I made multiple attempts to resolve this account amicably, and none were met with a reasonable or cooperative response from Self Financial. My key concerns remain unresolved : 1. Unclear Justification for Remaining Balance After Deposit Use : I was not given a clear or itemized breakdown explaining why a balance remained after my {$150.00} security deposit was applied. It is unacceptable that a secured account where the deposit is meant to serve as a fallback would still result in an owed balance with little to no clarity on how that balance accumulated. 
XXXX. Failure to Address Good Faith Efforts : I reached out directly to resolve this issue and offered to pay the remainder of the balance in full in exchange for a goodwill deletion of the tradeline a reasonable request, especially considering the damaging effects on my credit. I received no cooperation or willingness to resolve this mutually, which clearly shows a lack of commitment to helping consumers as the company claims. 
3. Contradiction of Company Mission : Self Financial markets itself as a company that helps build credit, yet in my case, they chose to report derogatory marks despite my efforts to communicate and settle the matter. This practice appears more punitive than supportive, especially toward consumers attempting to rebuild their financial standing. 
4. Reporting Inconsistency and Refusal to Remedy : Even though I was willing to settle the balance, the company refused to remove the negative tradeline and insisted on continuing to report the charge-off. This indicates a rigid policy that disregards consumer hardship, communication attempts, and settlement offers a red flag for any company claiming to support credit improvement. 

At this point, I do not feel that Self Financial acted in good faith. Their unwillingness to work toward a resolution, combined with a lack of transparency about the final charges, has left me with no choice but to escalate this matter further. 

As such, I intend to file a formal complaint with the Federal Trade Commission ( FTC ) and explore additional consumer protection channels, as I believe this companys practices may violate the spirit, if not the letter, of consumer fairness under the Fair Credit Reporting Act. 

I respectfully request that the CFPB further investigate Self Financials policies and lack of willingness to offer reasonable resolution paths for consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 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 2025-04-30 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2025-04-30 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
In early XXXX I discovered that my federal student loan had been transferred to XXXX without any prior notice to my address or email. I did not receive any communication about the transfer or upcoming due dates. As a result of this lack of notification, I unknowingly missed payments and now have 34 late payment marks on my credit report for XXXX 

I did not intentionally default or ignore repaymentthis was purely due to a servicing communication failure. I am now taking steps to dispute this with the credit bureaus and XXXX. I am filing this report because this incident has negatively impacted my credit and I believe it could affect others if not addressed.

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 2025-04-30 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:
In early XXXX I discovered that my federal student loan had been transferred to XXXX without any prior notice to my address or email. I did not receive any communication about the transfer or upcoming due dates. As a result of this lack of notification, I unknowingly missed payments and now have 34 late payment marks on my credit report for XXXX 

I did not intentionally default or ignore repaymentthis was purely due to a servicing communication failure. I am now taking steps to dispute this with the credit bureaus and XXXX. I am filing this report because this incident has negatively impacted my credit and I believe it could affect others if not addressed.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In early XXXX XXXX discovered that my federal student loan had been transferred to XXXX without any prior notice to my address or email. I did not receive any communication about the transfer or upcoming due dates. As a result of this lack of notification, I unknowingly missed payments and now have 34 late payment marks on my credit report for XXXX 

I did not intentionally default or ignore repaymentthis was purely due to a servicing communication failure. I am now taking steps to dispute this with the credit bureaus and XXXX. I am filing this report because this incident has negatively impacted my credit and I believe it could affect others if not addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( XXXX ) calendar days.

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 2025-04-30 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( XXXX ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 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 2025-04-30 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: SC

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 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 2025-04-30 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 ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-30 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have disputed this account several times through all 3 credit bureaus. No one has provided me with the contract showing I signed and agreed to pay this amount to this company and I have asked for it to be removed from my credit report. By law the company has to provide me with information on how they found this account accurate and also report information to my credit report accurately, and they have failed to do so. This account is not mine and I do not owe this company. I have never heard of LVNV funding in my life and I never signed any contract with this company at all. I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I received a letter from Capital One in the mail that a credit card application was applied for in my name. I checked my Fico credit score from the website of my main bank account and discovered that a hard inquiry had been made into my credit, confirming the letter from Capital One. I called Capital One 's customer service to report the fraud, and they successfully located the application using the application ID number on the letter + confirmed the fraudulent activity. I was told I'd be sent a letter with a report from their fraud team, and directed to call the credit bureaus to report the fraud and help expedite the process ( which, otherwise, would take 60-90 days to remove the hard credit inquiry from my credit history ). XXXX  directed me here to obtain an FTC report I can mail to them along with a copy of my ID which would help move the process along.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clark County Collection Service
State: NV

Complaint narrative:
The Clark county collection agency has started garnishin money from my employer for the XXXX  months I have been there. The account is XXXX XXXX XXXX and is a medical account. They also are going by a name I don't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reference : XXXX XXXX XXXX Account # XXXX Balance Reported : {$1000.00} I have disputed this account from XXXX XXXX XXXX multiple times and it is still reporting on my credit. 

I sent the debt collector a letter via certified mail on XX/XX/year> requesting them to validate the debt, I requested proof of ownership and chain of assignment of account in question. It is well over 30 days and I have not received any communication from the debt collector but they are still reporting on my credit. I've asked them to send me these items or to remove these accounts from my credit and cease and desist any further action. 

Please remove this account from my credit report and not allow it to be placed back on my credit without fully providing all the documentation requested in the letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CO

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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