vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one Bank has placed my XXXX credit XXXX card on a restriction. This means I can not use the card. Capital one sent me notice on XX/XX/year> about an account closure. The noticed stated that my account would be closed within XXXX  days of the notice but failed to do so. The account ending in XXXX is currently still open and reporting to the credit bureaus. Capital One has lied, mislead, and abused me. This violates all my consumer rights. In XXXX I asked for the card to either be reinstated or fully closed. Capital One responded with the need to verify my identity for this request. Ive submitted the same documentation to open the account ending in XXXX initially as I did when they asked me to verify my identity. I dont know why they are now not accepting my documentation but I have spoken to several supervisors and a couple managers in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
XXXX writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$530.00}

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 2025-03-08 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: OK

Complaint narrative:
I have requested the Experian, Transunion and Equifax Validate and Verify that all information is correct and accurate on my credit report. They have not sent me the requested information to show that they investigated and found everything reported to be accurate. I have written them on XXXX different occasions with no response or changes made to my credit report. I have requested proof bearing my signature that the accounts belong to me. Removal of inaccurate addresses and employments listed that are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MT

Complaint narrative:
Several years ago I disputed an account with XXXX  that I didn't recognize and the company did an investigation and determined the account was fraudulent. they sent me the letters saying that they instructed the credit beureaus to remove the information but it never came off. please see the letters in the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2025-03-08 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I hope this message finds you well. 

I am writing to formally request verification of an alleged debt associated with my account. Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it is essential to clarify the status of this debt. 

To the best of my knowledge, there is no proof of the existence of the alleged debt in question. Therefore, I kindly ask that you investigate this matter and provide me with any documentation or evidence that substantiates the claim. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NC

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXXXXXX then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on 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 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system.

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on 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 non-monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I submitted a dispute letter to the 3 major credit reporting bureaus ( XXXX, equifax, and XXXX ) showing numerous inaccuracies in the information being reported by XXXX XXXX account # XXXX. The agencys are failing to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I informed them that the presence of said account in dispute is causing significant harm to my profile and financial standing. 
Legal basis for my dispute:15 U.S.C. subsection 1681e ( b ) ,15 U.S.C. subsection 1681 i,15 U.S.C . subsection 1681c,15 U.S.C . 1681 s-2 ( b ) ,15 U.S.C. subsection 1692e ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Im writing because Ive noticed an issue with the information reported on my credit report thats not in line with FCRA guidelines. The accuracy of this item is clearly compromised, and its affecting my credit in a way that it shouldnt.

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 2025-03-08 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: CA

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX Complaint Number I am writing regarding the above claim referenced above. Comenity Bank-Bread Financial failed to send me a statement in XXXX of 2024 which would have been my final payment. I had previously set up an auto draft for the final payment in XXXX but there was an error in the payment and it did not process. My account is set up on electronic texts alerts and emails if I miss a payment. Comenity/Bread financial failed to alert me in XXXX that the final payment in XXXX was not received. The company was aware without the final payment, I would be responsible for a balloon interest rate of {$5000.00} which was over half my purchase amount. I received a statement in XXXX with the interest charges and a late fee. I contacted the credit card company and was advised there was nothing that could be done. I was on the phone for about XXXX hours trying to have the charges reversed. Since, filing this claim, I received notification from the bank advising of a reduced interest rate and I am on a financial hardship program. That is not what I am requesting. I feel that the bank committed fraud. I would like the interest charges reversed from my account. I need assistance from CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.

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