vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IN

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In according to the fair credit report act this creditor __Capital One auto financing credit bureau Dispute XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ________ has violated my rights under the section 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment under an open end consumer credit plan as late for any purpose

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: Synovus Bank
State: WA

Complaint narrative:
In according to the fair credit report act this creditor __Capital One auto financing credit bureau Dispute XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ________ has violated my rights under the section 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment under an open end consumer credit plan as late for any purpose

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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a notification having overdraft for {$500.00} when I noticed i had fraud didn't have my card i called the bank immediately to stop it they told they couldn't do anything because was pending to call back the was processed i went to a local brach on sunday XXXX to deposit and get debit card thry help me out with the fraud i called XXXX XXXX they was giving me different information to get my credit that I need to pay my rent I called thr bank to help me to get XXXX XXXX  until the investigation is in process becase i didn't want my direct deposit to hit and cover that overdraft because I need dit to pay my rent that I im behind and some bills they say was going credit never did and they said becase was use by pin I have reopen the case still waiting

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: GA

Complaint narrative:
reviewed my credit report and noticed that you have reported the following inaccurate item : Creditor/Lender Name : Esusu / RELATED AFFO According to 15 U.S. Code 1681b ( 2 ) and FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove XXXX / XXXX XXXX from my credit report immediately. Also, keep in mind that you are required to delete this no later than 4 days after receiving this dispute from me. 

Thank you, 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 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: GA

Complaint narrative:
reviewed my credit report and noticed that you have reported the following inaccurate item : Creditor/Lender Name : Esusu / RELATED AFFO According to 15 U.S. Code 1681b ( 2 ) and FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove XXXX / XXXX XXXX from my credit report immediately. Also, keep in mind that you are required to delete this no later than 4 days after receiving this dispute from me. 

Thank you, XXXX XXXX

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I submitted a Service Members Civil Relief Act ( SCRA ) request to Santander on XXXX to request interest rate reduction. However, as of today, I have not received a response, despite the fact that it has been several months since my submission. 

I have made multiple attempts to contact Santander to follow up on my request, including today but I have not received any meaningful updates. 

This delay is causing significant hardship for me Because my SCRA request has not been processed, I have not been able to receive the protections that would prevent late fees or negative reporting on my credit report. This has resulted in missed payments being reported on my credit file, potentially damaging my credit score and affecting my ability to secure other loans or financial products. I am seeking a timely resolution of my request and ask for your assistance in ensuring that Santander responds and fulfills my SCRA request without further delay.

Thank you for your assistance.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Resurgent Capital Services General Disputes/Correspondence XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Subject : Request for Debt Validation under 15 U.S.C. section 1692g ( b ) & FCRA Compliance. asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. section 1692g, which requires that you provide validation of this debt before any further collection activity may continue.

Pursuant to this statute, I request the following : 1. A copy of the original contract or agreement bearing my signature that allegedly created this obligation.

2. A detailed accounting of how the amount claimed was calculated.

3. The name and address of the original creditor.

4. Documentation proves that you are legally authorized to collect this alleged debt.

5. Proof that the debt is not time-barred and that you are within the statute of limitations to pursue it.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. section 1681-2 ( b ) ), you are required to report accurate and verifiable information to any consumer reporting agency. If you are reporting this debt to any consumer reporting agency, and can not validate it, you must remove it immediately to remain compliant with federal law.

Failure to validate this alleged debt or continued collection activity without proper validation will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. I reserve the right to pursue civil action Sincerely Date : XX/XX/scrub>, 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX $ XXXX XXXX XXXX XXXX/XXXX/2025 XXXX {$4000.00} somebody had scammed me by calling from my bank account number, and stating there were suspicious activities in my account. 

They had all of my information already. I didnt give them any andThey only asked me to verify myself. They told me my account will be put on hold. Their cards would be locked and something about sending me new ones. They knew my location. They knew the banks around me and I had no doubt they were representatives of my bank at the time. They explained that there were loans being put into my account from my own XXXXXXXX XXXX, and that I needed to take action before the loan was either transferred to an external account or put onto my credit. 

They told me the loan amount which was more than I had inside my bank account and that it needed to be sent back and so they gave me the instructions, and I ignorantly followed In XX/XX/XXXX25 My Bank Navy Federal credit union denied my claim, even though I gave them every bit of information I had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 









Inquiry XXXX XXXX

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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
During the month of XX/XX/year>2025 XXXX contacted people unrelated to me regarding my private XXXX XXXX  debt. When I called to ask why they were contacting these unsuspecting, elderly people they said that they did not know who was in charge of removing them or why they were being called. Later in the call they claimed that these people were listed as credit references. I did not list those people as a credit reference. I did not know them when I took out the loans. One of the people they contacted is not only XXXX  but XXXX XXXX  and caused a XXXX for them. I am also XXXX XXXX. They should not be sharing my information with people who do not have anything to do with my loans. Even if they are vague. This is harassment and feels like stalking.

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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has caused severe damage to my credit history and financial stability, and I demand immediate action to correct it. 

I expect prompt and decisive action on this matter. Confirm receipt of this dispute immediately and provide a clear timeline for resolution. If you require any further information, contact me without delay at the phone number or email provided.

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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has caused severe damage to my credit history and financial stability, and I demand immediate action to correct it. 

I expect prompt and decisive action on this matter. Confirm receipt of this dispute immediately and provide a clear timeline for resolution. If you require any further information, contact me without delay at the phone number or email provided.

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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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Company response to consumer: Closed with explanation