vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
Please remove all inaccurate information from my report and conduct a validation of all related details. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
Experian violated the FCRA ( Fair Credit Reporting Act ) and I have proof!! After communicating this issue with Experian about the inaccurate information caused by their negligence. The response I received from XXXX by mail on XX/XX/year> ( see attached ) shows that they deleted said XXXX accounts/inquiries which is proof that they violated 15 USC 1681s-2 ( a ) Reporting inaccurate information. I then expressed the damages that Experian had caused to my credit health by defaming my ability to receive credit, I also including an invoice accessing FCRA violations but Experian has refused to honor or remedy the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a complaint to the CFPB regarding an inaccurate collection account reported by Eastern Account Systems. Eastern responded that the account had been recalled by the original creditor ( XXXX ), that all collection efforts had ceased, and that they were no longer handling the account. However, the collection account still appears on my credit reports, now incorrectly marked as " paid '' instead of being fully removed. 

I never received debt validation from Eastern or XXXX. XXXX 's response to the FCC also failed to include any identifying account information or validation, and there was an earlier error where the account was listed under the wrong name. Despite the collection agency confirming they are no longer managing the account, it remains on all three credit bureaus, causing continued financial harm, including credit denials. 

I am requesting that this item be deleted from all credit reports immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
I challenge this dept. that was not mines. I think I'm a victim of " Green Sky '' allowing merchants to secure loans for consumers without their authorization. I've made several attempts to get this removed but that haven't been cooperative. 

This is an unauthorized loan in my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXXXXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$670.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX : XXXX  XX/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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
Subject : Ongoing Harassment by Debt Collector Without Providing Legally Required Itemized Bill Details : I am filing a complaint against Financial Accounts Service Team, located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, US Phone XXXX XXXX This company began contacting me regarding a medical debt allegedly owed to XXXX XXXX XXXX XXXX I explained clearly that I dispute the validity of this debt and requested an itemized bill to verify the charges. 

Despite my request, the collector continued calling and pressuring me. I informed him that under the Fair Debt Collection Practices Act, he is not allowed to continue collection activitiesincluding harassing phone calls and lettersuntil he provides a proper validation of the debt. Nonetheless, he resumed sending collection letters without providing the requested itemization. 

I documented the following phone calls : XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX PM XXXX XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XX/XX/XXXX at XXXX PM After speaking with him by phone on XX/XX/XXXX, I again requested an itemized bill, but instead of providing it, he sent another collection letter with no billing details. 

In response, I sent a certified letter via XXXX with signature confirmation reiterating my request for an itemized bill. 

XXXX Tracking Number : XXXX According to XXXX, the letter was marked out for delivery on XX/XX/XXXX but is now being held at the post office. It appears the collector is intentionally avoiding signing for the letter to evade legal responsibility. 

Despite all of this, I received another call today, XX/XX/XXXX, indicating they have resumed collection efforts without fulfilling my lawful request for validation of the debt. 

Summary of Concerns : * * Failure to provide itemized bill upon request * * Continued collection activity in violation of the FDCPA * * Avoidance of certified mail delivery * * Harassment through repeated calls and letters Requested Resolution : I would like the CFPB to investigate this matter. I am requesting that the collector immediately cease all communications until they provide a complete itemized bill and proper validation of the debt, as required by law. I also request that the CFPB remind them of their obligations under federal debt collection laws. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
During XXXX 2020 I have asked Rushmore Loan services for loan modification on my loan. They started the process and asked me to be in touch with them to see were my application was.I submitted all the required documents they requested and from XX/XX/year> to XX/XX/year> while I was still in the process of, they put my house for Foreclosure and told me the process has already begin.I started receiving all the forcloser documents and paperwork from them.I was working with the HUD approved housing counselor and they they were in touch with them twice and sometimes 3times a week.Rushmore loans requested that I pay the whole amount of mortgage fees including their Lawyers fees before they could remove the foreclose process.I borrowed money from my family members and friends and came up with the money to pay all the late mortgage payments and saved my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

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 2025-03-26 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: OH

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 explanation
Consumer complaint received 2025-03-26 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 2025-03-26 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: Nelnet, Inc.
State: TX

Complaint narrative:
STUDENT LOAN UPDATE : NELNET MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. 

PER XXXX XXXX  DATA BREACH AND VIOLATING FERPA AND FCRA. 
PER PRESIDENT TRUMP, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name XXXX XXXX XXXX XXXX XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to the office in XXXX XXXX XXXX signed a date change request. XXXX, the district manager, informed that she'd approved it & my next payment date would be on XX/XX/XXXX, making the terms of my loan extended 1 month. On XX/XX/XXXX, XXXX called from XXXX XXXX  informing me that I had a payment that was past due on the XXXX. I informed him to get with XXXX bcuz I don't have a payment due until XX/XX/XXXX. He rudely yelled that I am past due, etc & I should come in the office or make a payment with him immediately. We began to argue & he stated that, " XXXX XXXX XXXX XXXX XXXX don't like to pay your bills then hung the phone up. I called back & we argued more & I hung up on him. Today, XXXX called with the same bully outlaw attitude. At this point, I am beginning to fear for my life and my family lives from these outlaws. This office is operated without any ethic boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: TN

Complaint narrative:
I am filing a complaint against Lendmark Financial Services for predatory lending, unfair credit reporting, and deceptive loan practices related to my auto loan for a 2015 XXXX XXXX. Lendmark issued a {$13000.00} loan at an excessive 24.99 % interest rate, despite the vehicle 's market value being no more than {$4000.00}. My signed loan agreement shows a conflicting 29.14 % interest rate, raising concerns of deceptive lending practices. 

Additionally, my loan balance is being misreported across statements and credit bureaus. My Lendmark statement shows a principal balance of {$22000.00}, but credit bureaus report {$13000.00}, with another high balance of {$15000.00} being inaccurately listed. Payments are also being improperly allocated, damaging my credit further. 

I attempted to voluntarily surrender the vehicle, but Lendmark refused, stating they only accept default, forcing borrowers into credit damage and financial hardship. Given the potential violations of Tennessees usury laws and unfair reporting practices, I am requesting the waiver and removal of this debt from my credit file and an investigation into Lendmarks lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Good day, I cant express enough how overwhelming and exhausting this situation has been. Discovering a debt I have no knowledge of, unverified and entirely unrelated to me, has been nothing short of distressing. On top of that, Ive endured constant harassment from various communication platforms, facing relentless tactics and even threats of legal action. I never imagined Id wake up to this kind of nightmare. As a law-abiding citizen, it is deeply insulting to have my consumer rights so blatantly disregarded. This experience has severely impacted my mental well-being, causing countless sleepless nights and extreme XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I disputed this XXXX XXXX XXXX loan due to my information being exposed in a data breach and Experian ; along with the other credit bureaus have re inserted this account into my report without the 5 day notice that they are supposed to give me. 

XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX. It was reinserted between XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1681i ( a ) ( 5 ) ( b ) - Re investigation of disputed information If a credit bureau reinserts a previously deleted item on your credit report, it must notify you within 5 business days of doing so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a follow-up complaint regarding Capital Ones failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

I am filing a follow-up complaint regarding Capital Ones failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

Despite being fully informed that the account ( ending in XXXX ) is strictly a business credit card tied to a dissolved LLC ( XXXX XXXX XXXX XXXX ), Capital One continues to report this account on my consumer credit report, including negative payment history. This is misleading and violates FCRA 1681s-2 ( b ) and 1681s-2 ( a ).

Capital One responded previously that they needed authorization but have not addressed the substance of my dispute or conducted a reasonable reinvestigation. I submitted documentation proving this is a business account and should not affect my personal credit profile. 

I am requesting the CFPB intervene again to require Capital One to : Remove this account from my consumer credit report. 

Cease all reporting of this business account under my personal profile. 

Provide confirmation of deletion. 

I have also submitted a second-round dispute directly to Capital One as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

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