vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter to Midland Credit Management. I requested as outlined in the letter specific information in order to validate the debt as well as their bonding agent shall I need to take legal action. They responded with only partial information including just a simple account statement from the original credit, the balance, and when the account was sold. Not included : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Or the bonding agent for the company. Therefore, they are in violation of my consumer rights as I have no legal binding contract with Midland Credit Management. Providing partial information does not validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The original loan amount of for my vehicle was {$14000.00} and an Annual Percentage Rate ( APR ) of 25.99 %. To date, I have paid a total of {$27000.00}, with {$17000.00} allocated toward interest, yet a balance of {$5200.00} remains. This situation raises serious concerns about the fairness and legality of the loan terms and practices employed. At this rate ; I'll pay {$32000.00} plus dollars that originally cost about {$15000.00}. 

The terms of the loan were unfair and predatory. At the time ( XX/XX/year> ), my credit score was XXXX to my knowledge. Not great, but not so bad that I could not have been given a decent interest rate. I was living in XXXX, Florida and needed a vehicle badly. The city is gargantuan and isn't a place where you can live without a vehicle if you want to work and earn a living. 

The APR of 25.99 % significantly exceeds Florida 's usury limit of 18 % for loans under {$500000.00}, suggesting a potential violation of state usury laws. The loan was structured in a way so that there was excessive interest front-loading, making it nearly impossible to reduce the principal balance fairly. 

These are violations of the TILA and FCRA. My credit has been severely impacted, despite making payments for over 5+ years. A persons mortgage and auto loan are the biggest expenses one will have. This loan is one of the reasons I have not been able to keep my head above water as I have not had fair access to the financial system due to my credit rating. 

I've sent Capital One a formal complaint regarding this matter demanding action for this loan to be ameliorated. 

I request the CFPB to investigate this matter, as Captial One Auto has failed to provide transparency and has ostensibly violated consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with TRANSUNION, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX EMPLOYER - XXXX EMPLOYER - 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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
From Hintington Bank - XXXX transaction XXXX on XX/XX/year> for {$100.00} & XXXX transaction XXXX on XX/XX/year> for {$500.00} was sent to correct phone number but not deposited to correct person. On XX/XX/year>, a dispute was initiated when i realized neither transaction went to the correct person. I was in- formed it would take 3-5 business days. On XX/XX/year>, i was told my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Georgia They do not provide any information to the credit report equifax has violinity my rights

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 2025-03-06 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: GA

Complaint narrative:
I, XXXX XXXX, recently reviewed my credit report and identified multiple unauthorized accounts and inquiries that I did not apply for, authorize, or recognize. I believe I am a victim of identity theft, potentially linked to the Equifax data breach. Under my rights outlined in Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting an immediate investigation and removal of the fraudulent accounts and inquiries listed below. 

Fraudulent Accounts to Be Deleted : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX... 

Recent Balance : {$7000.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Collection Account ( {$7000.00} past due as of XX/XX/XXXX ) 2. Account Name : XXXX XXXX XXXX XXXX File Number : XXXX Account Number : XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX  Since I never opened or authorized these accounts, I demand their immediate removal from my credit report. 

Unauthorized Credit Inquiries to Be Removed : XXXXXXXX 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  Request for Documentation Under FCRA 609 : I am exercising my rights under FCRA Section 609 and request the following : Documentation verifying the validity of these accounts and inquiries, including signed agreements. 
A full investigation report confirming whether these accounts and inquiries were legitimately authorized. 
The names and contact details of any entity that provided or verified the disputed information. 

Attached Supporting Documents : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of my FTC Identity Theft Report. 
A signed Affidavit of Truth and Removal of Account. 

As per FCRA regulations, you are required to investigate and respond within 30 days. If these accounts and inquiries can not be verified with legally binding documentation, they must be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I purchased a vehicle from Carmart XXXX and consistently made payments or communicated when I fell behind. After XXXX years, the engine failed, causing me to lose my job. I reached an agreement with the manager to sell the vehicle, accepting responsibility for any remaining balance. I was instructed to stay in contact if I couldnt make payments. 

When I later called about my payments, the assistant manager informed me that I no longer needed to worry about them, stating that the manager would take care of it, implying the balance would be forgiven. However, the company charged off my account as a loss. 

Upon recently reviewing my credit report, I found that Carmart reported the account as charged off and a loss. Their internal records state it was written off. When I asked them to correct the discrepancy, they refused, and the manager denied ever stating that my balance would be forgiven. I am requesting that this matter be investigated and corrected. 

I was never informed that my account was charged off, and I was not issued a 1099-C. Even after they acknowledged that they had not sent one, they still failed to provide it. 

Failure to Issue a Form 1099-C for Written-Off Debt The account comments indicate that Car-mart Auto charged off this debt as a loss, which means they likely wrote it off as uncollectible. However, I have not received a Form 1099-C ( Cancellation of Debt ), as required by the Internal Revenue Service XXXX IRS ). According to IRS Publication 4681 and 26 U.S.C. 6050P, if a creditor cancels a debt of { {$600.00} } or more, they are required to issue a 1099-C to both the debtor and the IRS, indicating that the debt has been forgiven. By failing to issue a 1099-C, Car-mart Auto is in violation of IRS regulations. Additionally, once a debt is canceled and reported via a 1099-C, it can no longer be reported to credit bureaus as a collectible debt. Reporting such a debt violates the Fair Credit Reporting Act ( 15 U.S.C. 16815-21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
on XX/XX/year> I received an alert from XXXX XXXX that there was a new hard inquiry with XXXX and XXXX from Capital One. I did not apply for anything with Capital One. I also received 2 email from Capital One - 1 ) success! updated phone numbers and 2 ) you are approved for Capital One Quicksilver credit card with credit limit {$7000.00}. 
I immediately contacted Capital One and they advised me the credit card application was completed today, XX/XX/year>. I informed them it was NOT me and it should be investigated as fraud. the representative informed me a fraud complaint will be filed and the issue will be investigated. i provided all of my contact information. i am concerned i am a victim of identify fraud. 
I have placed freezes on all 3 credit bureau reports. 
XXXX informed me I need FTC report to submit in dispute of the hard inquiry - when I went to XXXX XXXX XXXX/ it redirected me to CFPB due to it being a credit card/credit report issue. Can CFPB provide me a report that I can submit to XXXX to dispute the hard inquiry and protect my credit score?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 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: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-06 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have 3 American Express XXXX XXXX XXXX XXXX : Single account, joint account with my husband and a business account. I usually receive a free hotel night annually that I usually save for a weekend that I will use an expensive hotel. I get an email notification of my free night award however American Express has this misleading unfair deceptive abusive practice of taking the free night away if it's not used within a year. No notification email is sent, the app states nothing next to the free night with an expiration date. The free night just disappears from the app. I want a summary of all the free nights that have been awarded and taken away since I have been a card user. I'm requesting that I be compensated for the free night awards that were deceptively taken away. I SPENT THE MONEY EARNING THOSE FREE NIGHTS AND ITS AN UNFAIR ABUSIVE ACT AND PRACTICE FOR YOU TO TAKE THE FREE HOTEL REWARD AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Selene Holdings LLC
State: DE

Complaint narrative:
I kindly request that you investigate this matter and remove the incorrect late payment from my credit report. As supporting evidence, I have attached copies of [ bank statements, payment confirmations, or any other relevant documents ] that show my payment history. 



Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this late payment was reported incorrectly, I respectfully request that you correct the error and notify the credit bureaus to update my credit report accordingly. 



Please provide me with written confirmation of your findings and any changes made to my account. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In XXXX, I initiated a dispute regarding incorrect information related to ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ). Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 
552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with TRANSUNION through CERTIFIED MAIL, my concerns remain unaddressed.

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 2025-03-06 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: OH

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation