vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX CAPITAL ONE Date XXXX Account Number XXXX Reason for dispute_without effecetive consent Account Amount {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of 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 2025-03-31 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: GA

Complaint narrative:
XXXX XXXX is showing a 30 day late payment for the month of XXXX. This information is inaccurate. I pay bi-weekly. one payment was made on XX/XX/year> and a payment was made on XX/XX/year>. I spoke with the company and they refused to update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am filing a formal complaint regarding the improper handling of my student loan consolidation. I was not provided with any information about the loan I was consolidating into, including the terms, interest rates, or payment details. 

Timeline of Events : XX/XX/year> : I applied for a loan consolidation. 

XX/XX/year> : My application was reviewed. 

XX/XX/year> : I supposedly was sent a summary document via mail recapping the information from my application- per aidvantage customer service rep. 

XX/XX/year> : The consolidation was completed, and a final document was supposedly sent - per aidvantage customer service rep. 

Key Issues : Lack of Disclosure : After submitting the application, I was informed that the consolidation was on hold due to a court injunction. However, without further notice, the consolidation was completed. I was not given any information about the loan terms, interest rates, or repayment details. 

No Opportunity for Informed Decision-Making : I was not given the chance to review or consider the loan terms before the consolidation was finalized. Had I been informed, I would have excluded multiple loans with lower interest rates from the consolidation.

Unexpected Payment Amount : The final payment amount is three times higher than the estimate I was provided. This discrepancy now jeopardizes my ability to qualify for a mortgage, as I am set to close on a home purchase in a week. Was the loan initially selected the best option for lowest monthly? No idea, no help, no one assisting students to make this huge decision. 

Failure of Adequate Communication : At no point were the final terms of the consolidation shared with me before it was processed. I was only provided with the original estimate, which does not reflect the actual payment or terms of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-03-31 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-03-31 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have filed for bankruptcy, i notified the company and offered my attorney information the rep XXXX XXXX was very aggressive and said that i have waived my rights and threatened to garnish my wages and take me to court. she continues to call my employer even after notifying them of legal representation. this lady XXXX XXXX is also discussing private information to my employees at my job which is private. they should not be contacting me per federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AZ

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 non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX is reporting a car that i never owned or signed my name on. I never gave anyone authorization or permission to open this account in my name. This negative and inaccurate account needs to be removed from the 3 credit reporting agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Im writing to address a concerning issue on my credit report involving multiple unauthorized inquiries that I believe may be fraudulent and possibly connected to identity theft. After reviewing my report, I noticed inquiries from companies I have never engaged with, nor have I applied for any credit or approved these checks. The fact that these inquiries are still present is extremely unsettling. It has caused me significant stress and anxiety, knowing my personal information might be compromised. I take my financial privacy seriously and expect immediate action on 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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I entered into a $ XXXX construction contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX secured funding of the project/contract through loans they arranged directly with various lenders. One of these loans was a Retail Installment Contract ( RIC ) for {$50000.00} with Finance of America Home Improvement/XXXX XXXX FOA ). 

To date, XXXX has not delivered any goods or services for which they took payment from FOA. 

In XX/XX/XXXX, I repaid the FOA loan to avoid excessively high financing costs and accrued interest that would begin once the promotional period of the loan expired. Unfortunately, it was only after I repaid my loan that I realized I was scammed by XXXX. 

My FOA RIC contains the Holder Rule notice ; The Holder Rule ( XXXX C.F.R. Part XXXX ) provides that a consumer lender is subject to all claims and defenses the consumer could assert against the seller or originator, of the loan. 

My legal counsel has advised me that this means that FOA is liable for the full amount of the {$50000.00} loan, and I have asked that FOA refunds me this amount. 

Through multiple attempts to contact FOA, I have provided them with irrefutable evidence that XXXX : a ) received 100 % of the FOA loan proceeds more than two-years ago ; and b ) has failed and refused to perform any of the work set forth in the loan agreement. 

To date, FOA has completely ignored my complaint/attempts to resolve the issue. 

( Note : This loan was serviced by XXXX XXXX I reached out to XXXX to ask for the {$50000.00} to be refunded to me, but with no success, so I will be filing a separate complaint against XXXX with the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-03-31 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed unauthorized inquires on my report or I believe some XXXX applied for something in my name there was XXXX inquires And I have been trying for months now to dispute them with XXXX and they have been nothing but unsupportive The following bank names and dates are : Citibank - XX/XX/XXXX XXXX XXXX Bank - XX/XX/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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts must be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC police report was filed and attached to my dispute along with ID social security card and bank statement.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts must be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC police report was filed and attached to my dispute along with ID social security card and bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a federally protected consumer and am filing this complaint because TransUnion is willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report XXXX fraudulent accounts on my credit file : XXXX XXXX  ( # XXXX ) and XXXX XXXX ( # XXXX ). I have already disputed these accounts formally, and both XXXX and XXXX have removed them. Yet TransUnion refuses to do so, even after being notified multiple times. This is now my second dispute, and XXXX failure to delete these accounts is not only negligent but a clear violation of multiple provisions of the FCRA, including 15 U.S.C. 1681b ( no permissible purpose to report unauthorized accounts ), 1681i ( failure to reinvestigate ), 1681s-2 ( b ) ( knowingly reporting false data ), 1681e ( b ) ( failure to maintain accuracy ), and 1681n ( willful noncompliance ). I have never given TransUnion written permission to report these accounts, and I do not consent to any automated verification through E-OSCAR or any similar system. This has caused me real harm, including financial damage, emotional distress, and denial of mortgage approval, putting my family in an unstable housing situation. I demand a manual reinvestigation conducted by a qualified human reviewer and the permanent deletion of both fraudulent accounts. TransUnion has XXXX  days to comply before I pursue all available legal remedies.

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 2025-03-31 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: NV

Complaint narrative:
PAST MONTHS IVE BEEN SENDING LETTERS TO ALL THREE CREDIT BUREAUS TO CONDUCT PROPER INVESTIGATION EACH TIME INACCURACIES ADDRESSES AND NEGATIVE ACCOUNTS REMAIN ON FILE. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATED CREDIT FILE. AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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 2025-03-31 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: NV

Complaint narrative:
PAST MONTHS IVE BEEN SENDING LETTERS TO ALL THREE CREDIT BUREAUS TO CONDUCT PROPER INVESTIGATION EACH TIME INACCURACIES ADDRESSES AND NEGATIVE ACCOUNTS REMAIN ON FILE. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATED CREDIT FILE. AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

Company response to consumer: Closed with explanation