vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I am the single mother of a XXXX child and on a very limited income. My vehicle was repossessed by Reliable Credit Association in XXXX. I was preyed upon by the dealership they do business with and sold a XXXX XXXX XXXX with transmission problems. Reliable is trying to garnish my wages even though I never received a summons from them to appear in court so that I could defend myself. They are reporting a deficiency balance on my credit report and I am denied credit because of this. 

I would like to receive by email a copy of my Retail Installment Contract and all the reposession documents related to this transaction including the bill of sale from the auction, so that I can find a lawyer to assist me. To help find my file, please note that I acquired the financing under the name " XXXX XXXX '' but have since changed my last name to " XXXX ''. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

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 2025-04-30 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: CA

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 2025-04-30 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohl 's switch to Capital One for financial credit card to be issues as of now I do not have a Capital One credit card registered on file with a XXXX digit security to my account, the only thing Capital One tells me the last four numbers they claim that is my card. Capital One refused to send me a card. Iam being charged interest late free they claim to my account but don't have a card registered. To pay on this account with my banking information is to say where the money will go. Fraud HARRASEMENT. I have items to take back can not because I there is no Capital One card registered in my name. XXXX  has low rating for Capital One not in good standing nor are they registered. 
Capital One refused to send me a credit card I do have a balance on my old Kohl 's account at this point I do not have a Capital One registered to pay on my account being charged high interest and late frees, nor have the assets of percentage or sale because I this card is not registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
My federal student loan was transferred to XXXX  without my knowledge or consent. I did not authorize this transfer in writing, nor was I provided timely notice or a billing statement at my new address. Because I had moved, I received no physical or electronic communication from XXXX regarding account setup or payment instructions. 

As a result, I was unable to make a payment. Between XX/XX/XXXX and XX/XX/XXXX, XXXX reported my account as 90 days delinquent, which caused my XXXX XXXX to drop by XXXX points, as reflected in my TransUnion report on XX/XX/XXXX. 

This is a violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and fairness when reporting to credit bureaus. XXXX failed to meet this obligation by reporting me late when I never received a bill. 
The Higher Education Act ( HEA ), 20 U.S.C. 1082, which requires federal loan servicers to provide timely notification of account changes, servicing transitions, and repayment terms. 
The Privacy Act of XXXX, as I was not notified or allowed to opt-in to data sharing or servicing changes, nor was I offered a clear method of contact. 

This delinquency is not only inaccurateit was the direct result of MOHELAs failure to properly notify me, and I had no opportunity to make payments due to lack of access or information. I request : 1. Immediate removal of the 90-day delinquency from my credit reports 2. Correction of all reporting errors 3. A formal explanation of the transfer process and why I was not informed I have contacted XXXX directly and submitted a FERPA complaint regarding the unauthorized access and mismanagement of my federal student aid data. I request urgent action to correct this violation and restore my credit standing..

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 2025-04-30 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: VA

Complaint narrative:
My federal student loan was transferred to XXXX without my knowledge or consent. I did not authorize this transfer in writing, nor was I provided timely notice or a billing statement at my new address. Because I had moved, I received no physical or electronic communication from XXXX regarding account setup or payment instructions. 

As a result, I was unable to make a payment. Between XX/XX/XXXX and XX/XX/XXXX 2025, XXXX reported my account as 90 days delinquent, which caused my credit score to drop by XXXX points, as reflected in my XXXX  report on XX/XX/XXXX 2025. 

This is a violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and fairness when reporting to credit bureaus. XXXX failed to meet this obligation by reporting me late when I never received a bill. 
The Higher Education Act ( HEA ), 20 U.S.C. 1082, which requires federal loan servicers to provide timely notification of account changes, servicing transitions, and repayment terms.

The Privacy Act of 1974, as I was not notified or allowed to opt-in to data sharing or servicing changes, nor was I offered a clear method of contact. 

This delinquency is not only inaccurateit was the direct result of MOHELAs failure to properly notify me, and I had no opportunity to make payments due to lack of access or information. I request : 1. Immediate removal of the 90-day delinquency from my credit reports 2. Correction of all reporting errors 3. A formal explanation of the transfer process and why I was not informed I have contacted XXXX directly and submitted a XXXX complaint regarding the unauthorized access and mismanagement of my federal student aid data. I request urgent action to correct this violation and restore my credit standing..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
My federal student loan was transferred to XXXX without my knowledge or consent. I did not authorize this transfer in writing, nor was I provided timely notice or a billing statement at my new address. Because I had moved, I received no physical or electronic communication from XXXX regarding account setup or payment instructions. 

As a result, I was unable to make a payment. Between XX/XX/XXXX and XX/XX/XXXX2025, XXXX reported my account as 90 days delinquent, which caused my credit score to drop by XXXX points, as reflected in my XXXX  report on XX/XX/XXXX2025. 

This is a violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and fairness when reporting to credit bureaus. XXXX failed to meet this obligation by reporting me late when I never received a bill. 
The Higher Education Act ( HEA ), 20 U.S.C. 1082, which requires federal loan servicers to provide timely notification of account changes, servicing transitions, and repayment terms.

The Privacy Act of 1974, as I was not notified or allowed to opt-in to data sharing or servicing changes, nor was I offered a clear method of contact. 

This delinquency is not only inaccurateit was the direct result of MOHELAs failure to properly notify me, and I had no opportunity to make payments due to lack of access or information. I request : 1. Immediate removal of the 90-day delinquency from my credit reports 2. Correction of all reporting errors 3. A formal explanation of the transfer process and why I was not informed I have contacted XXXX directly and submitted a FERPA complaint regarding the unauthorized access and mismanagement of my federal student aid data. I request urgent action to correct this violation and restore my credit standing..

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 2025-04-30 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-30 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX XXXX XXXX Account # XXXX * date opened XX/XX/XXXX bal. {$3200.00}, XXXX XXXX XXXX  Account # XXXX * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX, XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$1100.00}, rmp, llc Account XXXX XXXX * * * * date opened XX/XX/XXXX bal. {$890.00}, XXXX XXXX  Account # XXXX XXXX * * * date opened XX/XX/XXXX bal. {$870.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-30 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX XXXX XXXX Account # XXXX * date opened XX/XX/XXXX bal. {$3200.00}, XXXX XXXX XXXX  Account # XXXX * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX, XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$1100.00}, rmp, llc Account XXXX XXXX * * * * date opened XX/XX/XXXX bal. {$890.00}, XXXX XXXX  Account # XXXX XXXX * * * date opened XX/XX/XXXX bal. {$870.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I previously filed a complaint with CFPB on XX/XX/scrub> 2025, against Portfolio Recovery Associates ( PRA ) regarding an alleged XXXX debt they are reporting to credit bureaus. PRA responded but failed to provide any of the documents I lawfully requested, including : A valid Assignment of Contract or Bill of Sale A signed contract or agreement bearing my signature Full account-level documentation with a breakdown of the debt This response is not in compliance with FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). The agency continues to report this unverifiable debt to XXXX XXXX and XXXX 

I am now requesting deletion of the account from all credit reporting agencies based on PRAs failure to validate and verify the debt as required by federal law. Please see attached PDF letter outlining the full follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX  Central time, someone applied for a XXXX XXXX credit card in my name. I caught it in time before they could use it and got XXXX XXXX to mark the account as fraudulent but now there is a hard inquiry on my credit reports that I would like to get removed. I'm also still concerned that they might try doing it with another credit card or company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX Central time, someone applied for a XXXX XXXX credit card in my name. I caught it in time before they could use it and got XXXX XXXX to mark the account as fraudulent but now there is a hard inquiry on my credit reports that I would like to get removed. I'm also still concerned that they might try doing it with another credit card or 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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Acct XXXX # XXXX am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/year>2025, I discovered a {$370.00} balance being reported on my credit report as originating from Capital One. This appeared in my XXXX  file and showed a reporting date of [ insert exact date from the credit report ]. The account is identified as a Capital One credit card that I previously paid off or had no outstanding balance on. They reported this as an off cycle reporting, after my billing cycle closed. They told me that they didnt report this. 

When I contacted Capital One customer service directly, they claimed they had no record of reporting this {$370.00} balance to any credit bureau. I escalated the issue, spent hours on hold, and was ultimately told there was nothing they could dodespite the fact that my credit report explicitly shows that this information came from Capital One. 

I requested written confirmation or internal reporting logs to understand how this information could appear if they truly did not report it, and they refused to provide any documentation or explanation. This leaves me in an impossible position : my credit is being negatively impacted by a balance Capital One claims they didnt report, but which is clearly appearing under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC
State: UT

Complaint narrative:
Company is... 

Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX Received notice today of a " lien enforcement ''. 20 minutes later received a call from an " XXXX '' ( 3rd party ), saying he was going to start contacting vendors/clients/neighbors and also go to my HOME and take photos and interview anyone inside. 

Sent a Cease and Desist to XXXX group and they replied without the info requested and said they were ignoring the letter and moving forward.

Company response to consumer: Closed with explanation