vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
I have disputed this debt information through the credit bureaus and asked for written documentation to verify this debt. I am a victim of identity theft and filed a police report around 2015. I have no knowledge of this debt and this company will not send written documentation of the original debt, nor will they remove it from my credit reports. They have not met their obligations to accurate credit reporting or in providing written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

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 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 2025-04-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-11 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: AZ

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 2025-04-11 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: AZ

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: MO

Complaint narrative:
I received a notice of collections for my loan. The loan was paid off by a check I sent with the payoff amount from XXXX XXXX. XXXX XXXX confirmed to receive the check, and zeroed out my account. Come back weeks later and the balance was back on my account, I reached out regarding the problem and never received a response, and today found out it was sent to collections. This company is a scam. They also charged insane interest when you payoff a loan, but the check doesnt arrive in time to make up for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
On XX/XX/year> I sent a letter that included a total of 9 different types of false information thats was fasley reported on my credit report along with documentation to TransUnion, Equifax and Experian. Along with my letter I sent in my social security card my driver license along with my bank statement to verify who I was. On XX/XX/year> TransUnion, Equifax and Experian sent me letters saying that the documentation I sent was not legible and they believed a third party sent in my letters on my behalf which is totally false and incorrect. TransUnion, Equifax and Experian told me to send in a letter saying I wrote the letters and also resend my documentation. So on XXXX the XXXXXXXX XXXX I called TransUnion Equifax and Experian and said I sent the letters on my own behalf and I properly sent my documentation and it was legible they then told me I had to resend my letter saying I wrote it on my own behalf along with my documentation..So on XX/XX/year> I sent out a second letter to TransUnion, Equifax and Experian along with my my social security my driver license along with my bank statement to verify who I was like they asked me to I also sent in a letter asking them to remove the 9 false information that they were reporting on my credit report along with a letter saying that I was sending in these letters on my own behalf.XXXX XX/XX/year> TransUnion, Equifax and Experian sent the same exact letter saying a third party sent my letter in on my behalf and my documentation was not legible! ..This has become a major inconvenience in my life and has cause a great amount of stress

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 2025-04-11 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: NC

Complaint narrative:
On XX/XX/year> I sent a letter that included a total of 9 different types of false information thats was fasley reported on my credit report along with documentation to TransUnion, Equifax and Experian. Along with my letter I sent in my social security card my driver license along with my bank statement to verify who I was. On XX/XX/year> TransUnion, Equifax and Experian sent me letters saying that the documentation I sent was not legible and they believed a third party sent in my letters on my behalf which is totally false and incorrect. TransUnion, Equifax and Experian told me to send in a letter saying I wrote the letters and also resend my documentation. So on XXXX the XXXXXXXX XXXX I called TransUnion Equifax and Experian and said I sent the letters on my own behalf and I properly sent my documentation and it was legible they then told me I had to resend my letter saying I wrote it on my own behalf along with my documentation..So on XX/XX/year> I sent out a second letter to TransUnion, Equifax and Experian along with my my social security my driver license along with my bank statement to verify who I was like they asked me to I also sent in a letter asking them to remove the 9 false information that they were reporting on my credit report along with a letter saying that I was sending in these letters on my own behalf.XXXX XX/XX/year> TransUnion, Equifax and Experian sent the same exact letter saying a third party sent my letter in on my behalf and my documentation was not legible! ..This has become a major inconvenience in my life and has cause a great amount of stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-04-11 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-11 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened this account with BMO HARRIS online in XXXX, it was a part of my deceased Uncle 's Estate, deposited by his son, my cousin through his bank -- XXXX XXXX  XXXX , in the amount of two deposits equalling {$16000.00}. Of which I may have used {$500.00} of because they put a freeze on the account about 2 weeks after opening it and never let me have the account back again!! They still have my money today!!

First spoke to a XXXX XXXX in the Fraud department that never got back to me. They then told me to go to my nearest branch and take my ID and talk to the manager -- which I did 3 times even though the bank is like XXXX miles from me, and I had to pay for the ride because I don't have a car. I'm in XXXX FL and they're in XXXX FL. Spoke to XXXX XXXX, bank manager, as well as another worker up front. Told me I'd have to contact the fraud department Again and then do what they say before I came back. Said if I bring my ID then they'd call the fraud department while I was there and try straighten it out, and that was a lie -- after I got there XXXX XXXX would not do anything.So I have been jumping through they're hoops till now, doing everything they've asked of me to do -- - sometimes a few times -- due to email address not right or they'd find some reason to not honor what I sent them. They said to have the issueing bank to send them a " No Harm Held '' letter and they'd release it back to them. The bank tried, but ultimately said they did nothing wrong and wouldn't do any more then. Now they_? -BMO-told me they found no fraudulent activity on the account and there's no problem there. But still wouldn't give back my money. They said they never had a deposit, an account nor did I use any money out of this account. And to have the issueing bank to cut me a new check because I never got it nor used any of it!! That bank refused to do that. My cousin is very frustrated with it all, and is in the hospital now due to an accident. Doesn't want anything more to dye with it. I also lost my Mother during all this, couldn't go to her before she passed away because the bank wouldn't release any funds to me to travel with. No matter how I beg them, plead with them, they still wouldn't give me a dime!! I even hired an attorney that they wouldn't give the time of day to -- even after I gave him a POA to deal with them! He served them papers and still nothing happened at all. They were not phased in the least with him!! So what do I do now?? I'm in dire need of this money to live on ax I am a XXXX XXXX XXXX XXXX woman now. Please help 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 explanation
Consumer complaint received 2025-04-11 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I noticed a credit inquiries on my report that I dont recognize. I never applied with this company or gave permission for them to access my credit. This situation is causing unnecessary stress, and Im concerned about how it 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 2025-04-11 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: WI

Complaint narrative:
I tried having multiple collection accounts removed from transunion and they did but remove them even though I do not have a debt with the companies in question which are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have never had any debt agreement with any of these companies.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX refused to dispute a card from American express on my account. I was an authorized user on a business account for a company I worked for. I was removed in XXXX by American express and when disputing the card on my account XXXX refused my dispute and continued to have me as a user on an account that I am not on. Refusing my dispute means they are providing false information on my credit report. I had to dispute again and proved email from American express stating I was removed along with another credit reporting agency ( XXXX ) who approved my claim and removed the card from my account. XXXX is providing false Information to my creditors and lenders regarding my account which prevents me from closing on a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 explanation
Consumer complaint received 2025-04-11 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: IN

Complaint narrative:
I am a victim of identity theft. There are several credit cards car loans etc on my credit that i didnt give anyone permission or authorization to open. This has really affected my ability to provide for my family

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a credit card with TD Bank that ends in XXXX. After realizing last year ( 2024 ) that there was a security issue with my data, I decided to close the account and pay off the outstanding debt in installments until the full balance was settled. The bank charged my account with transfer fees and high interest rates to the point that every month, my payment of {$60.00} didn't even cover the principal on the card, which they hide it because they didn't send me statements or allow me to access online banking to see what was happening. Until I decided enough was enough, I gathered money to pay the total amount, called the bank to tell them I wanted to pay off the entire balance, and they told me that if I did, my account would be at XXXX and there would be no more charges. I paid around {$1700.00}. But now it turns out that the bank sent me an email saying that I still owe interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to file a formal complaint against Columbia Debt Recovery and XXXX XXXX XXXX  for reporting inaccurate and unauthorized information to the credit bureaus in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX sold or transferred my personal information, including my identity, to Columbia Debt Recovery without my knowledge or consent. I was never notified of this action, nor did I authorize any such transaction. This is a clear violation of my rights and privacy.

Furthermore, I have disputed this inaccurate account with the credit bureaus multiple times, yet the account remains on my credit report. The credit bureaus have failed to perform a proper investigation as required by law. According to the FCRA, consumers have the right to accurate reporting and a fair investigation process when a dispute is submitted. My rights have been ignored and violated.

I am requesting that this account be immediately removed from all credit reporting agencies due to : Lack of authorization and consent Improper and illegal sale of my personal data Inaccurate and unverifiable reporting Noncompliance with the FCRA by both Columbia Debt Recovery and the credit bureaus Please investigate this matter thoroughly and take the necessary steps to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here is the list of fraudulent inquiries : 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

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 2025-04-11 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: VA

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 2025-04-11 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: VA

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 response to consumer: Closed with non-monetary relief