vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed unauthorized hard inquiries. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NV

Complaint narrative:
Civil liability for willful noncompliance 15 U.S.C. 1681n account XXXX XXXX XXXX In general. Any person who willfully fails to comply with any requirement imposed under this title concerning any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Civil liability for knowing noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NV

Complaint narrative:
Civil liability for willful noncompliance 15 U.S.C. 1681n account XXXX XXXX XXXX In general. Any person who willfully fails to comply with any requirement imposed under this title concerning any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Civil liability for knowing noncompliance.

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 2025-05-05 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one had a breach of my personal information.theres a class action lawsuit for this reason. Capital one has refused to acknowledge the fraudulent credit in my name. The breach of information is a breach of contract. My information should have been secured and was a capital one employee that breached the information of mine and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/2024 -- {$1000.00}

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 2025-05-04 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include : Collection Account : PORTFOLIO RECOV ASSOC Collection Amount : {$750.00} Account Info : XXXX Contact Info PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution. 

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies. 

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I have contacted the credit agencies multiple times regarding inaccurate information on XXXX XXXX XXXX XXXX XXXX. The credit agencies failed to conduct investigations because the same inaccurate and unverifiable information remains on my credit report. I request that these accounts be deleted immediately due to multiple FCRA violations. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company refuses to validate debt. I do not have an account or contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Turner Acceptance Corp.
State: IN

Complaint narrative:
I have XXXX knowledge of this charged off account. I have called the company and they didnt help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IN

Complaint narrative:
I have XXXX knowledge of this charged off account. I have called the company and they didnt help at all

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 2025-05-04 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
These three companies keep reporting to my credit credit report as a late payment and or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment - XX/XX/year> I want you to know that I understand my financial obligations. I already had a purchase with the store, and I went to buy more, I requested at time that the two purchase be put together on automatic debit, but they didnt do it. I made mistake in falling behind, I believed in the process that already worked and did not monitor the account, but since then, When I realized what happened, I made the necessary updates. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment informed above. You can see my payment histories always flawless except that I never received any late letter or information, in accordance with the applicable laws below, I request the review and removal of the information, account settled.

Under 15 U.S.C. 1666b and 15 USC 1666

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 2025-05-04 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment - XX/XX/year> I want you to know that I understand my financial obligations. I already had a purchase with the store, and I went to buy more, I requested at time that the two purchase be put together on automatic debit, but they didnt do it. I made mistake in falling behind, I believed in the process that already worked and did not monitor the account, but since then, When I realized what happened, I made the necessary updates. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment informed above. You can see my payment histories always flawless except that I never received any late letter or information, in accordance with the applicable laws below, I request the review and removal of the information, account settled.

Under 15 U.S.C. 1666b and 15 USC 1666

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Its appearing on my credit after 7 years I have a letter stating it was forgiven during XXXX but its past statute of limitations navient used illicit practices to collect and illegal transfer of loans to perform collections these are illegal methods to force you into foreabearance or collection status there using the account as leverage to create financial turmoil warrants a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I applied for loan forgiveness. I was approved. It was never applied. I followed up a year later and was told to re apply. During the process I asked for forbearance and deferral. I was told I was approved for it and it would be applied but I do not see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include : Collection Account : PORTFOLIO RECOV ASSOC Collection Amount : {$470.00} Account Info : XXXX Contact Info PORTFOLIO RECOV ASSOC XXXX, VA XXXX ( XXXX ) XXXX These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution. 

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies. 

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IN

Complaint narrative:
I previously submitted a dispute requesting correction of this information, as the payment history currently reported is inaccurate. In support of my claim, I have provided official letters directly from the creditor confirming the corrected payment history. Furthermore, both TransUnion and Equifax have already updated this account information accordingly following their investigations. 

Unfortunately, Experian has failed to update this information, even after two disputes and despite receiving the same documentation that was accepted by the other bureaus. This delay is not only frustrating but is also causing undue harm to my credit profile and 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 2025-05-04 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against transunion. I am writing regarding the debt with XXXX XXXX referenced by account number [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$9500.00}. I am formally disputing the validity of this debt under my rights granted by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. Under this statute, I request that you provide written verification of the debt, including : 1. A detailed breakdown of the debt amount, including any fees and interest charges. 2. The name of the original creditor, along with any supporting documentation that verifies my obligation to pay. 3. Proof that your agency is legally authorized to collect on this debt. 4. Chain of assignments. This account is only on my transunion. This doesnt even show on my Experian and Equifax credit file, which demonstrates that the information is either inaccurate, unverifiable, or incomplete. Therefore, I am requesting that you immediately investigate and remove this account from my credit file as required by federal law. Under 15 USC 1681 ( Fair Credit Reporting Act ), credit reporting agencies are required to maintain accurate and consistent records. Disparities in reporting across the three major bureaus call into question the accuracy of the information being furnished and your adherence to your duty under the FCRA to ensure maximum accuracy in consumer credit reports ( 15 USC 1681e ( b ) ). Credit bureaus must report only accurate, complete, and verifiable information. Until you provide this information and debt is verified, please cease and delete all collection or bad debt activities related to this account. This includes stopping any communication attempts with me regarding this debt, as well as any further reporting to credit bureaus. Please respond within 30 days of receiving this letter to ensure compliance with the FDCPA. I will retain a copy of this letter and your response for my records. Thank you for your attention to this matter

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation