vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my nights.

15 U.S.C 1681 section 602A. States I have the night to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportng agency can not furish a acount without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repon dontaining any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consulner reporting agency if the person knows or has reasonable cause to beleve that the information is inaccurate. 

Delete the accounts below : 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 2025-05-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX Student loans . 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: HI

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to file a formal complaint against Exeter Finance regarding their handling of my voluntary vehicle surrender request. 

On XX/XX/year>, I contacted Exeter Finance while fully current on my vehicle loan payments to voluntarily surrender my vehicle, which remains in perfect working condition. I was told by a representative that everything was in order and that I would receive a XXXX packet to complete the process. That documentation was never sent. 

I followed up on XX/XX/year>, and was disconnected while being transferred to a XXXX. I called back and spoke to another representative, who acknowledged the notes on my account and assured me the manager would send the required paperwork. Again, nothing was received. 

Since then, I have made multiple attempts to contact Exeter, but my calls now go unanswered or are placed on indefinite holdsomething that never occurred before. I also emailed them directly, and they instructed me to use their secure messaging portal. I submitted a full explanation through that system, but the response I received on XX/XX/year>, was a generic message directing me to call the same phone number that has led to no resolution. 

My loan is now past due only because Exeter failed to provide the required documents, despite my clear and proactive attempts to settle this matter in good faith. I am deeply concerned that Exeter is allowing my account to fall delinquent in order to accrue more interest or penaltiesan act that feels both unethical and predatory. 

This experience has been extremely distressing, and I feel trapped and unheard despite acting responsibly. I am requesting that your office investigate this matter and help ensure Exeter Finance honors my original request without damaging my credit or increasing my financial burden due to their own inaction.

Please let me know if you need any supporting documents or call records. I am more than willing to cooperate fully. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to the three credit reporting agencies. As of XX/XX/XXXX, XXXX, they have not sent me the results of the investigation request. As per the Fair Credit reporting act, they must send a response within 35 days.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc.
State: NV

Complaint narrative:
The bank company " Cash app '' gave out personal information of mine without my consent and information may have been used for identity theft. My cash app name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
PREVIOUS CFPB COMPLAINT # : XXXX XXXX This complaint serves as a FCRA VIOLATION NOTICE & Formal rebuttal to your inadequate response dated XX/XX/year> regarding my dispute of fraudulent accounts resulting from identity theft. Your refusal to remove these accountsdespite receiving my FTC Identity Theft Report and police report numberconstitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and demands immediate corrective action. 

* * Experians Violations of Federal Law * * Your failure to block fraudulent information violates the following MANDATORY FCRA provisions : - * * 605B Blocking Information Resulting from Identity Theft - Once a consumer submits an Identity Theft Report ( FTC Identity Theft Report ), you are legally REQUIRED to block the fraudulent accounts within 4 BUSINESS DAYS and notify the furnisher. Your inaction is a DIRECT VIOLATION.

- * * 1681e ( b ) Failure to Maintain Reasonable Procedures to Ensure Accuracy - By accepting unverified confirmation from furnishers without investigating my identity theft claim, you failed your duty to ensure MAXIMUM POSSIBLE ACCURACY.

- * * 623 ( a ) ( 6 ) ( B ) Failure to Notify Furnisher of Identity Theft - You did NOT inform the furnisher of the identity theft claim, as required, forcing me to dispute directly.

2. Data Furnishers Violations The furnisher violated : - * * 623 ( a ) ( 6 ) ( A ) Duty to Cease Reporting Upon Identity Theft Notice - After receiving my dispute, they MUST stop reporting the account. Their refusal violates federal law.

- * * 623 ( b ) ( 1 ) Failure to Conduct a Proper Investigation- The furnisher DID NOT review my FTC/police reports, as their verification is impossibleI DID NOT OPEN THIS ACCOUNT.

* * CFPBs Obligation to Enforce * * If the CFPB fails to intervene, it risks enabling violations of : - * * 12 U.S.C. 5531 UDAAP ( Unfair, Deceptive, or Abusive Acts ) - Allowing Experian and the furnisher to ignore identity theft protections is ABUSIVE AND UNFAIR PRACTICE.

- * * FCRA 621 Regulatory Enforcement Failure - The CFPB MUST penalize willful 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The debt of XXXX $ was reported to collections based on incorrect and misleading information and the collections agency posted this debt to my rental history without notifying or giving me any chance to dispute it I only aware of this debt when my iwas denied from my rental application because showing this amount on my rental history which caused me serious harm And every time I ask for clarification I got XXXX XXXX post the debt on the same day we received it and XXXX you just have to pay without any explanation. 
The collections request the move out notice and prof I pay all my XXXX month of rent Isend full documentation they seemed surprised that I already paid every thing but after that they dont reply to my email and on the call is super rude communication and pressured me to pay saying they can not act until the apartment company responds respond to the evidence and the apartment has not responded to them at all and in same time the apartment complex the talk and send me email about ihave just to pay without explanation

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
Breach of contract dealership paid car loan I made deal with dealership to pay partial amount side contract with united Auto

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MI

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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Hunter Warfield XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Documentation and Verification of Account Ownership Account Number Ending in : XXXX Dear Hunter Warfield, This letter is in reference to the account you are reporting on my consumer credit file under the name Hunter Warfield, associated with XXXX XXXX, and identified by account number ending in XXXX. 

I am requesting verification and validation of the account, including documentation proving your legal authority to collect and report on this obligation. Specifically, please provide the following : A complete and unbroken chain of assignment from the original creditor to your agency, including all intermediary assignments. 

A copy of the bill ( XXXX ) of sale, purchase agreements, and account-level schedules identifying my account in the portfolio ( XXXX ) sold. 

The date of delinquency, date of last payment, and the date the account was placed with your agency. 

A copy of the original signed agreement or contract you allege created this obligation.

A copy of the initial debt validation notice as required under 15 U.S.C. 1692g ( a ), including the date it was issued.

Please suspend all collection activity and reporting until the above documentation is provided. If you are unable to provide verification as requested, I ask that you cease all collection activity and remove any reference to this account from all reporting systems. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During the course of my XXXX  my email, social security number, phones were compromised by my family and fraudulent accounts were opened in my name. The account names XXXX XXXX XXXX  was opened in XXXX of XXXX and there was missed payments which is leaving negative affects on my credit report. I am a victim of identity theft. There has been a report made with the Federal trade commission XXXXdentity fraud division by myself concerning this incident and I ask that this be removed from my credit report immediately. Pursuant to 15 USC 1691 fair credit reporting Act states that information furnished to consumers on ones credit report shall be completely accurate. Please remove this account from my credit report immediately for this account was not opened or closed 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 2025-05-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During the course of my XXXX  my email, social security number, phones were compromised by my family and fraudulent accounts were opened in my name. The account names XXXX XXXX XXXX  was opened in XXXX of XXXX and there was missed payments which is leaving negative affects on my credit report. I am a victim of identity theft. There has been a report made with the Federal trade commission XXXXdentity fraud division by myself concerning this incident and I ask that this be removed from my credit report immediately. Pursuant to 15 USC 1691 fair credit reporting Act states that information furnished to consumers on ones credit report shall be completely accurate. Please remove this account from my credit report immediately for this account was not opened or closed 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 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I have multiple student loans that have been under the SAVE plan since its enactment. Some loans have not been accruing interest at all, which is what it is supposed to be happening while others have had interest tacked on for no reason. I have tried to call my service or multiple times and I either get hung up on, transferred, or end up being put on hold for 2 to 3 hours on end with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I have verbal spoke with this company told them this is not my account. And further more the name they have is not mine neither is the social security number. This company removed the collection due to inaccuracy of my name and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

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 2025-05-11 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 9XXXX I want the remarks on the these account removed from my consumer report. Accounts DEPT OF XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This account was closed XXXX. But showing on my credit report XX/XX/XXXX and had been on report 6 years 4 months. The dated being reported are in accurate.

Company response to consumer: Closed with explanation