vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: DC

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 explanation
Consumer complaint received 2025-04-21 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am filing a complaint against GM Financial for failing to accurately report payment history during an extension period that covered XXXX and XX/XX/year>, deferring payments until XX/XX/year>. Despite the agreement, GM Financial reported : XX/XX/year> as 30 days late XX/XX/year> as 30 days late ( on XXXX  ) XX/XX/year> with no data, even though I made a timely payment This is misleading to potential creditors and inconsistent with a previous extension agreement from XX/XX/year>, which was reported correctly. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate and not misleading information FCRA 623 ( a ) ( 2 ) They must promptly update any incomplete or inaccurate info I request that CFPB intervene and ensure : XXXX and XXXX are marked as XXXX ' or XXXXno data ' ( deferred ) XXXX is updated to reflect an on-time payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I was never informed that my Student loan was back in repayment. I never received anything in the mail, no phone call. I am set up to receive information through the mail. The only reason I found out I had to make my repayments is because my XXXX XXXX took a XXXX point hit. After years of having a good XXXX XXXX, I now have to start over, only because I wasn't informed about making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, has violated my right 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, has violated my right 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I requested original documents. I requested them to send original lease signature and any other document that they have to validate the debt in a certified letter to my home address. I would then advise that they will settle the debt for less and if I move forward with this procedure that Im asking for a requesting that I will be responsible for a full payment of the debt I never received validation of the debt. It has been more than 30 days still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CT

Complaint narrative:
EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-21 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: FL

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-04-21 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently logged into my Ally Financial account to set up autopay for my current auto lease. While reviewing my account, I discovered a second vehiclea XXXX XXXXXXXX Durangoassociated with my name and credit that I did not authorize or have any knowledge of. The account number listed is XXXX, and the VIN is XXXX. 

I have never purchased, leased, or co-signed for this vehicle. I believe this may be a case of identity theft or an account error. I have already reported the incident to the FTC, filed a police report, notified TransUnion, and contacted Allys fraud department. However, the issue remains unresolved, and I am seeking CFPBs assistance in having this unauthorized account removed from my name and credit record. 

Ally says that they only purchase the loan so are not being helpful in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased XXXX vehicles from a used car company. They uncorrected put the wrong vehicles traded which thereby voiding the contract. After many phone calls and a letter submitted, Capitol One still refused to correct the problem with late payments. This was over 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Robinhood securities " restricted '' my account for unknown reasons for over a week now, I have become late on multiple bill payments. I have been given no reassurance to when my account will be activate again. I am completely unsatisfied and will be speaking further legal action in order to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( CAPITAL ONE ), After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
I'm writing with serious concern and frustration. My credit report contains multiple errors, including accounts that were previously deleted due to fraud but have now reappeared without any valid reason or prior notice. This situation is not only alarming but also a blatant violation of my rights as a consumer. These fraudulent items are damaging my credit and holding me back from moving forward financially. Ive already taken the necessary steps to report identity theft and resolve this in the past, yet these issues keep resurfacing.

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC Balance Amount : {$2600.00} I am writing to dispute the above-mentioned collection account. After reviewing my records, I believe that your agency did not provide me with proper notice of the debt as required by law. Specifically, I did not receive a validation notice that included the amount of the debt, the name of the original creditor, and my rights to dispute the debt. 
Furthermore, I was not informed of my rights to dispute the debt and request verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). As a result, I was not aware of my options to dispute the debt or request verification. 
I hereby dispute the debt and request that you provide verification of the debt, including : A detailed breakdown of the debt amount The name and address of the original creditor Documentation showing that I was provided with a validation notice Until I receive this information, I request that you cease all collection activities and remove any negative marks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I have noticed several unfamiliar items on my credit report, which I believe are the result of identity theft, as I did not authorize these accounts. I have previously raised this concern and am now formally requesting the immediate removal of these unauthorized accounts. Their presence on my credit report is causing me significant distress and does not accurately reflect my credit history or financial management. 

This situation has been challenging, and if it is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These inaccurate entries are severely affecting my ability to achieve critical financial goals, such as purchasing a home and supporting my family. I hope we can address and resolve this matter swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX"I worked for XXXX XXXX XXXX XXXX XXXX as an employee. I was listed on a few checking accounts as a signer only. I left 3 years ago and both owner (XXXX XXXX) and myself went into a Wells Fargo branch and signed to remove my completely from any account. XXXX XXXX I was made aware of a business credit card that has my name as authorized user. Wells Fargo told me it's okay as it will never go on my credit and they can't remove my name. The owner went into Wells Fargo and signed to remove my name. I have original personal agreement paperwork that does not show my name only the owner XXXX XXXX. Wells Fargo to this day still has not provided paperwork of adding my name and refuses to remove my name. Im getting collection calls from Wells Fargo. I don't think XXXX XXXX would have purposely added my name I think XXXX  Wells Fargo was opening accounts in bad faith and was busted for it. I think it was a mistake by Wells Fargo back 10 or 11 years ago. If they can't provide the paperwork me agreeing to add my name wouldn't this be ID theft or fraud against Wells Fargo. They should legally be able to prove I added my name or remove me or just close account. The owner has signed paperwork to remove me and also does not want my name on the account. XXXX XXXX XXXX case number XXXX XXXX XXXX XXXX XXXX  and reference number 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 monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase Sapphire Credit card on XX/XX/XXXX, and during this process found a potential fraud by Chase. 

My credit card application was declined, and the reason provided to me is that I opened a Sapphire card in XX/XX/XXXX and received card opening bonus in XX/XX/XXXX. I have not opened such a card. I could not find any record of such a card on my Chase account, or on any credit report. 

In the last few days, I made many calls to request information about this card including card number and statements between XX/XX/XXXX and XX/XX/XXXX. I have spoken to more than 20 customer service people from Chase, forwarded from department to department, and not one of them was able to provide me with any detail of this card. 

As far as I can see, there was a fraudulent account opened under my name by Chase. I am concerned about identity theft by Chase and my account safety. I would like to file a complaint and hold Chase accountable for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I requested a payoff letter to refinance my vehicle on XXXXXXXX XXXX XXXX, the new bank that I am financing with sent a rushed check to the creditor in the same amount the payoff letter was written for. After we already received the title and I started making payments with my new bank, Toyota is contacting me saying that I owe XXXX because they accidentally applied a payment that was not supposed to go to my account when I requested the payoff letter so they are saying that amount was not valid. From the laws that I have been reading a payoff letter is legally binding once the terms are fulfilled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX * * Account Number : XXXX * * * * Outstanding payment : {$2500.00} * * * * Date of Account : XX/XX/year> * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit card company would not up my limit due to information on my credit report that is either outdated or wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit card company would not up my limit due to information on my credit report that is either outdated or wrong.

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