vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX reported a collection of {$290.00} on my EQUIFAX credit report. 

The collection is invalid but XXXX XXXX doesnt want to remove it even though I submitted all the proof ( photos and screenshots ) that I dont owe any money. 

Heres what happened : I have been a tenant at XXXX XXXX apartments in XXXX, Kansas for only 2.5 months and I paid rent for 2.5 months plus a {$250.00} security deposit. I moved out on XX/XX/2021 after my multiple requests for repairs in the apartment were ignored. 

Requests for repairs : * Extreme noise at night ( apartment situated right next to the laundry room, with a thin drywall with a hole between the laundry room and my apartment ). Tenants did laundry all night. I asked the leasing office to insulate the wall or allow doing laundry only during the day hours which was denied. I was unable to sleep at night. 
* Not working stove ( I couldn't cook at all ) - see pictures * MOLD around the water heater - see picture * Water in the bath tub not draining - see picture * MOLD in the bathroom around the shower - see picture * Water coming through flooring - see picture * Bugs coming through the windows due to not having correct size of window screens - see picture I left the apartment on XX/XX/2021 and gave the apartment keys and letter of moving out to the leasing office on XX/XX/2021 ( XX/XX/2021 was Sunday and the office was closed, no mailbox or anything I could leave the keys ). The manager didn't show up for a walk through on XX/XX/2021. I expected getting my security deposit of {$250.00} back which has not happened and it's due to me. 

Every state has specific health and safety codes that provide minimum standards for rental units, and Kansas is no different. If those standards are not met and proper notice is given by the tenant and the repairs/fixes are still not made within the allowable time period, a tenant would be considered constructively evicted. As a result, the obligations of the tenant under the lease are no longer required, given that the landlord has not met their own responsibilities under Kansas landlord-tenant law. According to XXXX  state law XXXX, landlord duties to provide habitable premises include the following : * Compliance. Comply with applicable building and housing codes materially affecting health and safety. 
* Repairs. Make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition. 


The collection report should be removed from my credit report at Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In XX/XX/2023, I applied to lease a Mercedes XXXX from the XXXX. XXXX Mercedes-Benz dealership . The total value of the lease agreement was approximately {$120000.00}.

Despite my robust financial standing, including a XXXX  score of over 800, an annual income of {$340000.00}, and more than {$150000.00} in cash savings, my application was denied. Mercedes-Benz Financial Services USA LLC informed me that the reason for this denial was that I had not previously leased or purchased a car worth {$120000.00}. 

Subsequently, I was approved to lease a vehicle up to a value of {$92000.00}, despite my creditworthiness and demonstrated financial capacity to manage the initially requested lease amount. 

This explanation for denial raises serious concerns, given my understanding that it is not legally sound to gatekeep the approval of lease agreements based on a consumer 's prior purchase or lease history. It is particularly worrisome when an applicant, like myself, possesses a robust financial profile indicating their ability to meet lease obligations. 

I have reached out to Mercedes-Benz Financial Services USA LLC , seeking clarification and assistance regarding this matter. However, I have not been provided with clear reasons or satisfactory assistance thus far. Despite this, I remain hopeful that they will respond and address my concerns. 

Given the absence of clear financial impediments and the lack of satisfactory communication from Mercedes-Benz , I am left with an unsettling suspicion that factors unrelated to my creditworthiness and financial standing may have influenced the decision on my lease application. 

Based on these circumstances, I am led to suspect potential discriminatory practices, possibly based on my race or ethnicity. This suspicion has resulted in significant distress and a sense of being unfairly treated. 

The impact of this decision extends beyond mere financial aspects, causing considerable disappointment and anguish. I am seeking a comprehensive investigation into this matter, to ensure compliance with fair lending practices and regulations under the Equal Credit Opportunity Act ( ECOA ), which explicitly prohibits discrimination on several bases, including race and ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following is the detail of the inaccurate information and the required correction : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} The above account was never late, contrary to the information on my credit report. I kindly request Equifax to correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$420.00} does not correspond to the lower amount that I remember. I request XXXX to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask XXXX to mark this account as disputed to prevent further negative impact on my credit score. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my complaint to Experian dispute. Im trying to buy a house this year and I'm being held up waiting for these items to be removed. Can you please help me remove these items that dont belong to me! 


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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I've been sending disputes for several years thru XXXX, XXXX, and the XXXX XXXX in XXXX, MA, ( company ) telling them that the account was opened fraudulently using my name wrongfully. I've never lived in XXXX, MA, never been there, and have no idea to whom belongs this account. The account in dispute is for a Gas Bill from XX/XX/XXXX, in the amount of {$2100.00}. I'd been living in Texas since XX/XX/XXXX. Since XXXX my credit is been affected adversely and can get new credit or be denied because of this. All my disputes are in XXXX and XXXX records. Not sure why for me a Hispanic/Latin American person is so difficult to resolve this issue, even though the information is easy to be verified, the name Is not my name never lived there and is a commercial account. Is been more than two years and this is not been resolved.

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 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Unauthorized Third-Party Status, Violation of Privacy, Cease and Desist Communication, and Debt Validation Request Dear Nelnet, I am writing in response to your communication dated XXXX XX/XX/2023, regarding my student loan, which has allegedly been transferred from Great Lakes to Nelnet. I would like to reiterate my previous assertion that your organization remains an unauthorized third party with access to my personal information. 
As referenced in my previous correspondence and the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint # XXXX, I have made it clear that I consider Nelnet an unauthorized third party with no legal authority to access or handle my personal information. Despite your claim of being the new servicer for my student loan on behalf of the Department of Education, I firmly assert that you continue to violate my privacy rights according to the Fair Debt Collection Practices Act ( FDCPA ). 
Therefore, I hereby demand that Nelnet immediately ceases all communications with me, both written and verbal, unless you can provide legal proof of your authorization and compliance with the FDCPA. Cease and desist all contact with me, as mandated by the FDCPA under section 805 ( c ). Your continued attempts to communicate with me while being an unauthorized third party constitute a violation of the law. 
Furthermore, I request that Nelnet ceases reporting any information regarding this alleged debt to credit reporting agencies. Any negative reporting or reference to this debt on my credit report is also in violation of the FDCPA. Failure to comply with this request will be seen as a willful violation of my rights. 
Additionally, I hereby exercise my rights under the FDCPA to request the validation of the alleged debt. I demand that Nelnet provides me with the original agreement bearing my wet signature, demonstrating that I am legally obligated to owe any debt to your organization. I expect this validation to be provided within 30 days from the date of this letter, as required by the FDCPA. 
I must emphasize that unless Nelnet can prove with legal documentation that I owe any debt to your organization, I will not acknowledge or accept any further claims or demands. Failure to comply with my requests, both for ceasing communication and providing proper debt validation, will leave me with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 
Please acknowledge receipt of this letter within 10 days and confirm in writing that you will cease all communication, cease credit reporting, and provide the requested debt validation as outlined. Failure to respond or comply with these demands will be viewed as a deliberate violation of the FDCPA, and appropriate legal action will be taken. 
Thank you for your immediate attention to this matter. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of collection agency accounts by the credit bureaus. Specifically, I have discovered that multiple credit bureaus have reported a collections agency account that does not belong to me. Despite repeated attempts to rectify this issue, the inaccurate information remains on my credit report, which has adversely affected my financial standing and creditworthiness. 

I have diligently reviewed my credit reports from all three major credit bureaus, namely XXXX, XXXX, and TransUnion, and have identified the presence of a collections account from XXXX XXXX XXXXXXXX. The account in question allegedly pertains to an outstanding debt for which I have never received any notification or been served with a lawsuit. The reporting of this account is a clear violation of the Fair Credit Reporting Act, as it inaccurately represents my credit history. 

I have taken the necessary steps to dispute this error with the credit bureaus involved. I submitted detailed disputes outlining the inaccuracies, providing supporting documents, and emphasizing that I have no association with the collections agency or the alleged debt. However, despite my efforts, the credit bureaus have failed to remove the erroneous account from my credit report, resulting in significant harm to my financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate the credit bureaus ' actions and ensure that they comply with the regulations outlined in the Fair Credit Reporting Act. I believe the credit bureaus have failed to fulfill their obligations to accurately report consumer information, which has had a detrimental impact on my creditworthiness and financial opportunities. 

Enclosed with this letter, you will find copies of my credit reports clearly displaying the inaccurate collections account, as well as the supporting documents that demonstrate my lack of involvement with the collections agency. Additionally, I have attached the correspondence exchanged with the credit bureaus, illustrating my attempts to resolve this matter directly with them. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX : {$1000.00}, XXXXXXXX XXXX  XXXX XXXX XXXX : {$1100.00}, XXXX XXXX XXXX XXXX : {$24000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XXXX, XXXX, XXXX, I received an email from Synchrony Bank Care Care credit card, informing me that my account is closed as of today. The reasons are from a credit report from XXXX, claiming I dont own enough property and other out of ordinary criteria that I didnt meet and my credit score is XXXX. 
My XXXX credit report is frozen and has an active fraud alert that expires on XX/XX/2023. 
Synchrony Bank couldnt have been able to access my credit report. However, I did notice that on XX/XX/2023, my bank, XXXX XXXX did an inquiry. My credit score thru XXXX XXXX, which is thru XXXX XXXX is not the same as what Synchrony Bank informed me. 
Im confused as to what credit reporting service was used for Synchrony Bank to randomly close my credit card. I was current with payments.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have made several attempts with XXXX, TransUnion and XXXX to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have made several attempts with XXXX, XXXX and Experian to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for 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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
My mortgage payment got returned and I made a double payment the following month but they claim I still owe them money but my payment history says otherwise. They sent me an explanation but it has destroyed my credit that I worked so hard to build. I have the money to make the payment they claim I owe but I don't think it's fair the client portal shows incorrect information. If it would have been accurate I wouldn't not be in the situation and I don't think it's fair I have to pay the price for their reporting error. It took me years to build my credit up and I need it fixed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation