vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-21 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: CA

Complaint narrative:
I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

XXXXXXXX XXXX XXXX XXXXXXXX - {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
On XX/XX/scrub> 2025 I sold my XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX, Texas. I owed XXXX on the vehicle. XXXX purchased the vehicle from me for XXXX and I paid the rest of the loan XXXX. I immediately emailed Driveway Finance with the documents and called the verify. They said the vehicle was not paid off. I gave them proof it was. Weeks later and they havent sent me any paperwork confirming that the vehicle is paid off and it is still appearing on my credit score. Ive called and they said my account is in recovery which I am unsure what that means. I need this resolved. They keep giving me the run around and dont respond to my emails. The customer service representatives are unhelpful. Additionally, the vehicle has even been sold by XXXX XXXX. The vin is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
what happen to me is, I had purchased a car from the dealer and the dealer said we only help the consumer if the need car from there bank as loan application we will prefer to send the application to the bank, so by allowing the dealer to submitted the application i had to signed the document such agreement... so by doing that after a years I discover that most of the agreement I signed including the bank application has a lot of incorrect information been provided from the dealer and, approved by the bank as a multiple copy of the same application number and other agreement has 2 different VIN number of the vehicle so I had to file a complaint to this agency as a consumer and I get an email after submitting my complaint to contact the bank to ask them if they can recover the money and cancel all the subcription or serviceand the bank don't want do that and they said it has to be done by the dealer I contact the dealer and the dealer said as I had to cancel the service contract every thing was cancel but when I contact the company that the contract was provided from they show me one of my contract still active wish is the gap one that is why I'am complaining again 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 2025-02-21 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: CA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to 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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding my student loans due to a potential violation of my rights and financial privacy. It has come to my attention that XXXX XXXX and his affiliates may have gained unauthorized access to federal student loan data, which could compromise my personal and financial information. Additionally, recent changes in loan servicing and federal oversight have led to confusion, lack of transparency, and potential mismanagement of my loans, causing financial hardship. 

Furthermore, I am currently unable to afford my student loan repayments due to financial strain. Despite my efforts to stay on top of my payments, the lack of clear assistance and changes in loan policies have made it increasingly difficult to manage my debt. I am requesting a thorough review of my loan situation, including eligibility for repayment adjustments, loan forgiveness, or other relief options that could help me avoid default. 

I also seek clarification on how my personal data has been used and demand corrective action if any violations have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX XXXX Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-02-21 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: PA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-21 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX XXXX XXXX XXXX HARD INQUIRY : RESIDENT VERIFY XXXX EXPERIAN INFORMATION SOLUTIONS INC credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 
I have disputed the above information with EXPERIAN INFORMATION SOLUTIONS INC This company has affirmed in writing to me that my disputes are FRIVOLOUS and that they will not research the dispute I request EXPERIAN INFORMATION SOLUTIONS INC supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

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 2025-02-21 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$24000.00} Inquiries XXXX XXXX XXXX XXXX Data Breach happened, per 15 USC 1681c2 please block and delete these items within 4 business 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 explanation
Consumer complaint received 2025-02-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Thursday XX/XX/XXXX. 2025 I was informed that my social security number didn't match the one on my credit report. I was told it was due to sheffield financial reporting the wrong number, I contacted the company and they refused to accept the proof of the correct ssn, so I am unable to get any loans from any other establishments.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX [ XXXXXXXX XXXX XXXX  ] [ XXXX, Tn, XXXX ] XXXX ] [ XXXX ] Date : [ XX/XX/2025 ] National Credit Systems Subject : Dispute of Inaccurate Credit Report Information Dear [ National Credit Systems ], I am writing to formally dispute the inaccurate information on my credit report. The item in question is listed under National Credit Systems with an open balance of {$5800.00}, reported as of XX/XX/ 2025. 

I am disputing this account for the following reasons : The account is marked as open despite being placed for collection. 

There are duplicate remarks stating, Account information disputed by consumer, which suggests inconsistent reporting. 

It is unclear why National Credit Systems is listed as both the original creditor and the collection agency. 


I kindly request a thorough investigation into this matter. Please verify the accuracy of this information with National Credit Systems. If the account can not be verified, I request its removal from my credit report. 


I appreciate your attention to this matter and look forward to your timely response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed bk chpt 7 back in 2021 and it was discharged because I was not aware of a certain class course I was supposed to take. I mailed a letter to the judge stating the fact. However it is now showing dismissed on my report. I have tried numerous times that it was discharged and on other credit agencies it doesnt show. On Experian and I believe TransUnion its still on there. I need that 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 2025-02-21 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: MD

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anything on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ transunion, equifax, Experian ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report To whom it may concern, I am writing to formally dispute inaccurate information that appears on my credit report. I recently obtained a copy of my report and identified the following errors : Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ not the correct balance placed on my account without my permission Enclosed, you will find copies of [ list supporting documents, such as your credit report with the error highlighted, payment records, identity verification, etc. ] to support my claim. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected or removed from my report. Please provide a written response confirming the results of your investigation. 

If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. I appreciate your prompt attention to this matter and expect a resolution within the XXXX timeframe as required by law. 

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 explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anything on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ transunion, equifax, Experian ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report To whom it may concern, I am writing to formally dispute inaccurate information that appears on my credit report. I recently obtained a copy of my report and identified the following errors : Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ not the correct balance placed on my account without my permission Enclosed, you will find copies of [ list supporting documents, such as your credit report with the error highlighted, payment records, identity verification, etc. ] to support my claim. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected or removed from my report. Please provide a written response confirming the results of your investigation. 

If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. I appreciate your prompt attention to this matter and expect a resolution within the XXXX timeframe as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have ask them for the contract where they bought the debt and prove they have the right to collect and i haven't received anything from them. 
account # XXXX {$740.00} account # XXXX {$850.00} account # XXXX {$570.00} account # XXXX {$540.00} account # XXXX {$360.00}

Company response to consumer: Closed with explanation