vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My phone number XXXX, my credit card number XXXX XXXX XXXX  I trashed the XXXX XXXX credit card months ago. 
Late last year, XXXX, USAA refused to send me my XXXX credit bill. I was told several times they couldn't do this. At the end of XX/XX/XXXX a woman from USAA called me and requested payment of monies. I told her I needed a statement of what I owed. She emailed me my statement immediately and I sent a check off the next day of what I owed. I thought this closed the matter. Several weeks later they sent me another bill.

All problems with this original matter were caused by information kept from me by USAA.

It should be noted that all information sent to you, CFPB, was in excess of what was asked for and their answers were specious. All they had to do was send me my XX/XX/XXXX bill. They refused. 

I trashed the credit card around 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing this complaint because my bank, Capital One, denied my dispute for {$4700.00} even though I did not receive the services I paid for. I believe this was a wrongful decision and that I am entitled to a refund based on the facts.

Earlier this year, I was involved in a car accident. My vehicle was towed to XXXX XXXX XXXX XXXX XXXX in XXXX, CO, for repairs. I was initially quoted {$2000.00}, but after delays, the dealership increased the cost to {$4700.00}. I paid this in full using my Capital One checking account.

After weeks of delay, the dealership returned my vehicle in unsafe condition. As soon as I drove it, it made a loud howling noise, the steering felt stuck while turning, and warning messages appeared on the dashboard including Steering Fault Service Now. I returned the car the same day and informed them it was not safe to drive.

The dealership later claimed the rack system needed repair and demanded an additional {$2200.00}. I could not afford this, especially after paying nearly {$5000.00}. I refused the extra charge, and they responded by halting all repairs and stating I should tow the vehicle off the propertysomething I can not afford.

At this time, my car is still at the dealership and they are refusing to release it. I have no transportation, no refund, and no vehicle. I filed a dispute with Capital One, but they denied it because the dealership showed documents that the repairs were done. What those documents dont show is that the work was incomplete, unsafe, and that the car is still being held against my will.

I have also filed a small claims court case against the dealership ( Case No. XXXX ) to recover my funds. I am asking the CFPB to review this case and assist in pressuring Capital One to reconsider this dispute or assist in recovering the funds. This situation has caused me extreme financial hardship, and I should not be forced to pay for services that were not safely or properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I was in XXXX XXXXXXXX the reposess and sold and then wrote off i want to remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I was told that my account would be closed and my funds would be deposited into my bank account that I have gave them by filling out an outstanding balance form. I was told that my funds would be deposited between seven and 10 business days. Its been over that timeframe. Its been 90 days since Ive been told that I would receive my funds within that timeframe. They recently told me that my funds would be deposited on XXXX XXXX today is XXXX XXXX and I still dont have my funds deposited into my bank account. Ive been emailing and calling them over and over for the past 90 days and they have not yet gave me any information as to why I havent received my funds or any information about why. They constantly tell me that my funds or account is under review, but never provide a review timeframe as to when I can expect the review to be done and my funds to be deposited. I am currently going into debt because Ive been waiting for over three months for my funds to be deposited and transferred over to my bank account. They have not helped me or make me feel safe with my funds being in their possession for over 90 days I need my funds and all they can tell me is that I have to wait and I have been waiting for three months now since XX/XX/XXXX of XXXX. The bank or institution is upgrade and they are funded by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
XX/XX/year>2025 mailed verification letter XX/XX/XXXX mailed out second letter for verification No replies

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- 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. PLEASE BLOCK AND REMOVE

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are serious billing and reporting errors tied to my account that are now harming my credit. Payments I made werent properly reflected, and there are clear mistakes in the amounts being reported. On top of that, I never received the required 21-day notice before the due date, which makes the late marks invalid. These issues violate my rights under TILA and have unfairly damaged my credit profile.

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 2025-04-08 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: NY

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-04-08 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:
XXXX. Since XX/XX/2025, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX  section of the XXXX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. 

XXXX. On the same day, I contacted XXXX to investigate the issue. I was informed that the late payment record was provided by Experian and was allegedly related to an early termination of an auto loan with XXXX. It is true that we had a vehicle lease with XXXX that was terminated early due to a total loss of the vehicle. However, after contacting XXXX, we were clearly told that they did not report any negative credit information as a result of the contract termination. 

XXXX. We then contacted Experian directly. They found no record of any late payment entry on my personal credit file. 

XXXX. Despite this, XXXX XXXXXXXX XXXX continues to display a late payment record attributed to Experian. This discrepancy has gone unresolved and continues to harm my credit standing. 

XXXX. Since XX/XX/XXXX, I have reached out to XXXX, Experian, and XXXX numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto one another, leaving me to suffer the consequences of a mistake that no one is willing to fix.

6. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. 

I am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many inquires on my report that show up and I dont ever recall authorizing then to run my credit and would like for them to be removed. I have filed a FTC report stating which companies ran my credit without authorization.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My original mortgage was with XXXX XXXX, they sold to PHH mortgage which has been the worst company to deal with possible. I have never been late since Covid and they have shown me late on my Credit reports for years even though they have only serviced my account for less than a year. They have ruined my credit and due to the breach of data, I want my credit cleaned. I have not been late on anything nor do I have these inquiries either.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of a closed account by XXXX XXXX XXXX XXXX on my credit reports with Equifax and XXXX. 

Account Information : Creditor : XXXX XXXX, XXXX Account Type : Installment/Other Balance : {$0.00} High Balance : {$120.00} Closed Date : Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Open Date : XX/XX/XXXX Reported Delinquency : 90 days past due ( XXXX XX/XX/XXXX ) Reason for Complaint : Inaccurate Delinquency Reporting on a {$0.00} Balance Account The account is reported as closed with a {$0.00} balance, yet it reflects a XXXX delinquency in XX/XX/XXXX on XXXX. It is unreasonable and misleading to continue reporting delinquencies on an account that is closed and has no outstanding balance. 
Inconsistent and XXXX XXXX XXXX XXXX XXXX does not report the account at all. 
Equifax reports None Reported as the worst delinquency. 
XXXX reports 90 days past due as of XX/XX/XXXX. 
These inconsistencies demonstrate an inability to furnish accurate and verifiable information to all three credit bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, data furnishers must report accurate and complete information. Inaccurate late payments or derogatory remarks on closed and zero-balance accounts can unfairly damage a consumers credit score. 
This reporting may also constitute a violation of FCRA 623, as the information being reported is both inaccurate and incomplete, and does not reflect the true standing of the account at the time of closure.

Requested Resolution : Immediate deletion of the derogatory remarks and late payments associated with this account from all credit reporting agencies.

Removal of the entire account from my credit reports if accurate and complete data can not be verified and updated across all three bureaus. 
I am requesting that the CFPB investigate XXXX XXXX, LLCs reporting practices for potential violations of federal consumer protection laws and take appropriate regulatory action.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of a closed account by Kikoff Lending , LLC on my credit reports with XXXX and XXXX. 

Account Information : Creditor : Kikoff Lending , LLC Account Type : Installment/Other Balance : {$0.00} High Balance : {$120.00} Closed Date : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Open Date : XX/XX/XXXX Reported Delinquency : 90 days past due ( XXXX XX/XX/XXXX ) Reason for Complaint : Inaccurate Delinquency Reporting on a {$0.00} Balance Account The account is reported as closed with a {$0.00} balance, yet it reflects a XXXX delinquency in XX/XX/XXXX on XXXX. It is unreasonable and misleading to continue reporting delinquencies on an account that is closed and has no outstanding balance. 
Inconsistent and Incomplete Reporting Across Bureaus XXXX does not report the account at all. 
XXXX reports None Reported as the worst delinquency. 
XXXX reports 90 days past due as of XX/XX/XXXX. 
These inconsistencies demonstrate an inability to furnish accurate and verifiable information to all three credit bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, data furnishers must report accurate and complete information. Inaccurate late payments or derogatory remarks on closed and zero-balance accounts can unfairly damage a consumers credit score.

This reporting may also constitute a violation of FCRA 623, as the information being reported is both inaccurate and incomplete, and does not reflect the true standing of the account at the time of closure.

Requested Resolution : Immediate deletion of the derogatory remarks and late payments associated with this account from all credit reporting agencies.

Removal of the entire account from my credit reports if accurate and complete data can not be verified and updated across all three bureaus.

I am requesting that the CFPB investigate Kikoff Lending, LLCs reporting practices for potential violations of federal consumer protection laws and take appropriate regulatory action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation