vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and there is a false collection account on my XXXX  credit report listed under I.C. System, Inc. for a company named XXXX XXXX VA. 

I have never had an account with XXXX XXXX, nor have I received any bills, notices, or communication from them or I.C. System. This collection account, opened XX/XX/year>, for {$660.00} is entirely inaccurate and is severely damaging my credit score. 

I have already disputed this directly with XXXX  and am requesting that the CFPB help ensure it is investigated and removed immediately as required by the Fair Credit Reporting Act ( FCRA ). 

I am requesting : Full validation of the debt ( signed agreement or service documentation ) Immediate deletion from my credit report if no proof is provided Please assist in resolving this matter swiftly and fairly.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-24 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued monthly reporting of the account listed above, which has been previously charged off and marked as a profit and loss ( P & L ) on my credit report. Additionally, this account has been reported to the Internal Revenue Service ( IRS ) as income under a 1099-C, confirming that the debt was canceled and deemed uncollectible. 

Despite this, the furnisher, Mercedes-Benz Financial , continues to update this account monthly as delinquent, which is inaccurate, misleading, and constitutes double reporting. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of the information in consumer reports. 

As this account has already been written off and reported as a taxable loss to the IRS, any further monthly reporting of a balance due is inaccurate and unlawful. 

I am formally requesting the following : 1.Immediate cessation of any future updates related to this account. 
2.Deletion of this account from my credit report.

3.Written confirmation of your investigation and action taken. 

Enclosed are copies of any relevant documentation supporting my dispute. I request that this matter be fully investigated, and the inaccurate reporting corrected or deleted within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( last XXXX ) XXXX Credit Report Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Since the last months or so, I've been trying to access my credit report online and or unfreeze my credit report from TransUnion. I'm paying monthly payment with them. I have made more than XXXX phone calls to them to unlock my access to my account, but I keep getting the same error that I have been locked and to call TransUnion. Also, their mobile app is not working 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 non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
OneMain Financial is illegally reporting an auto loan that violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, Uniform Commercial Code ( UCC ), and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate and permanent deletion of this account based on the following : Violations and Legal Grounds 1. FCRA 605 ( a ) 7-Year Deletion Rule This accounts first payment ( and original delinquency ) occurred over 7 years ago, making it ineligible for reporting under FCRA. OneMains continued furnishing of this data is unlawful and must cease immediately.

2. FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate Information Furnishing OneMain is reporting the account as settled for less than full balance with a {$0.00} balance. This is misleading and incomplete. A {$0.00} balance should not carry derogatory remarks or suggest ongoing delinquency when the obligation was resolved and closed.

3. FCRA 611 Failure to Properly Investigate Disputes Despite repeated disputes, OneMain failed to investigate and correct the erroneous and outdated data. The current status is unverifiable and was never supported by documentation.

4. FDCPA 807 Misrepresentation of Debt By furnishing misleading account remarks implying unresolved debt or settlement status despite a XXXX balance OneMain is falsely representing the character of the debt, harming my creditworthiness.

5. UCC 9-611 No Pre-Disposition Notice I was never sent a proper notice of default, repossession, or disposition under UCC requirements . OneMain failed to notify me of my rights before final settlement.

6. UCC 9-614 & 9-616 No Post-Sale Accounting or Disclosure There was no accounting statement or disclosure provided post-settlement a direct violation of UCC rules for secured debt. 

7. XXXX XXXX Failure to Comply with Industry Reporting Standards OneMain is in breach of XXXX XXXX credit reporting protocols. Accounts over 7 years old, or with {$0.00} balances and no legal obligation, should not be furnished with derogatory notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-24 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: TX

Complaint narrative:
PREVIOUS COMPLAINT : XXXX Complaint Title : Unverified and Fraudulent Credit Reporting Ongoing Harm and Procedural Violations by Equifax, Experian, and TransUnion Details : I am the living woman and authorized Trustee and Secured Party Creditor for the PERSON estate known commercially as XXXX XXXX XXXX XXXX I submitted sworn affidavits of dispute and notice to all three credit reporting agencies on and around XX/XX/year>, regarding four fraudulent tradelines ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX 

Equifax responded with a generic form letter, ignoring all specific claims and documentation. 
Experian failed to respond in any capacity. 
TransUnion modified all four accounts during the active dispute window and caused a XXXX drop in my credit score without verifying the debt. Two of the four accounts remain unverified. 

This conduct violates : * * * 15 U.S.C. 1681i ( a ) * * Failure to conduct a reasonable reinvestigation * * * 15 U.S.C. 1681i ( a ) ( 5 ) * * Failure to delete or correct unverifiable information Unlawful data trafficking Violation of FCRA, FDCPA, and Fair Credit Reporting Best Practices Failure to investigate in good faith Pattern of retaliation after dispute -- TransUnion Supporting documentation includes USPS certified mail receipts, screenshots of score drop, account modifications, and my sworn Affidavit of Fact posted at : XXXX XXXX XXXXXXXX

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 2025-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PREVIOUS COMPLAINT : XXXX Complaint Title : Unverified and Fraudulent Credit Reporting Ongoing Harm and Procedural Violations by Equifax, Experian, and TransUnion Details : I am the living woman and authorized Trustee and Secured Party Creditor for the PERSON estate known commercially as XXXX XXXX XXXX XXXX I submitted sworn affidavits of dispute and notice to all three credit reporting agencies on and around XX/XX/year>, regarding four fraudulent tradelines ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX 

Equifax responded with a generic form letter, ignoring all specific claims and documentation. 
Experian failed to respond in any capacity. 
TransUnion modified all four accounts during the active dispute window and caused a XXXX drop in my credit score without verifying the debt. Two of the four accounts remain unverified. 

This conduct violates : * * * 15 U.S.C. 1681i ( a ) * * Failure to conduct a reasonable reinvestigation * * * 15 U.S.C. 1681i ( a ) ( 5 ) * * Failure to delete or correct unverifiable information Unlawful data trafficking Violation of FCRA, FDCPA, and Fair Credit Reporting Best Practices Failure to investigate in good faith Pattern of retaliation after dispute -- TransUnion Supporting documentation includes USPS certified mail receipts, screenshots of score drop, account modifications, and my sworn Affidavit of Fact posted at : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: TX

Complaint narrative:
In XXXX  I inquired about the XXXX XXXX program at XXXX XXXX XXXX. The very same day they had me take a test, then told me I passed and said to further apply for the program I had to secure the {$55000.00} tuition payment for the program in its entirety and that there was a limited amount of time to continue applying because there was only one remaining spot left in the program for that year. They made it sound like I could withdraw if I changed my mind and told me I'd be able to afford the loan repayments because I will be making over {$55000.00} per year. Then 5 minutes later they began having me apply for both federal student loans as well as private loans from Sallie Mae with absolutely no discussion about the types of loans I was applying for or if I could secure payment in any way other than taking out these specific loans they were urging me to aquire. They made it sound like I absolutely had to apply and secure payment the exact way they were telling me to or I'd lose my spot in the XXXX XXXX program. So naive me listened and did everything they said to do so I could get into this program because I'd been trying to get into that for years at other colleges with no success. First they had me apply on my own and when I didn't get approved they immediately had me contact my parents to cosign over the phone. Even when speaking with my parents over the phone they pushed to have this done that very day without giving them any time at all to look over everything and understand what they were getting into.But they knew I wanted to get into this program badly so they agreed to sign over the phone and then I was approved for the funds and moved to the next stage of the application process which was another test. This all happened in one day and here I am 10 years later paying {$550.00} a month on these loans at a interest rate if 14 % and have not even touched the principal. I can not afford these loans as they said I would.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-24 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: MA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-06-24 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: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-06-24 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-24 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: OK

Complaint narrative:
I reserved a text message from outsourcing shepherd saying I owned money from a XXXX XXXX XXXX. Never heard of it. It asked for the last four numbers for social and I typed it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXXXXXX

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 2025-06-24 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief