vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am not sure how this happened but my credit score disappeared due to my information being mixed up with my mothers. Ive been having credit history since XXXX. Ive been trying to have this fixed with TransUnion and it gets no where. I contacted TransUnion on XX/XX/XXXX case # XXXX to have the issue resolved and placed up in the Special Handlings department. They confirmed that there was a mix up with information being mixed up with my parent due to similar name and same home address. Fast forward I followed up on XX/XX/XXXX case # XXXX and I still have not received an update. I was told to check back in 2-5 business days, it is past that time and the issue has still 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 2025-07-19 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:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries that appear on my credit report. I reviewed my credit file and identified inquiries that I did not initiate, authorize, or provide written consent for.

Below are the details of the inquiries in question : XXXX XXXXXXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX SXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), inquiries require my explicit permission. I have not applied for credit with these companies, and I believe these may be a result of identity theft or unauthorized use of my personal information.

Please investigate these inquiries and remove them from my credit report. I have also included a copy of my government-issued ID and proof of address to verify my identity.

Enclosures : Copy of Drivers License or State ID Copy of utility bill or bank statement ( proof of address ) Please send written confirmation once these inquiries have been removed. If any of them are found to be valid, please provide documentation showing that I authorized the inquiry. 

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Pursuant to 15 USC 1692g, this company is required by statute to provide a written verification of the purported debt. They are also required by federal law to cease and desist all communication concerning this debt until they can provide a validation of the purported. They are now continuing to falsely report fraudulent information on my consumer report, further denying me my lawful right to obtain consumer credit. This has adversely damaged my reputation and has minimized my faith in the banking system as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via USPS mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX 60  . The letter was delivered to Experian in XXXXTX on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX XXXX Balance XXXX  and account number  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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
requested chain of custody and copy of original contract with my signature but not provided such info after multiple requests. Bought a car that never worked properly from the beginning and even though i purchased the warranty they kept providing me with service that contained used parts that did not fix the problem and the car became very unsafe to drive. They kept saying i could bring it in again for service but the shop kept saying theyre giving them only used parts and that it wasnt going to fix the problem so after multiple times at the shop wasting my time, the car still never got fixed. they also provided minimal coverage for a rental car ( {$30.00} per day when rental cars were well over {$100.00} per day so it became completely unaffordable and i was left without a car and then had it repossessed because i couldnt pay for a car that didnt work after having to pay such high rental car rates with it always being in the shop and not getting fixed. was definitely a lemon and was covered up after getting scammed into paying for the extended warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I signed up for a free trial with Experian to view all three credit reports. After the trial ended, I was locked out of my account and redirected to a payment page, with no option to downgrade or return to the free version. I tried calling, but the phone system would not connect me with a human and told me to use the website, which still only offers paid upgrades. I do not owe anything and do not want to continue the paid plan. I just want access to my account and my credit report under the free plan.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this formal complaint regarding an inaccurately reported late payment associated with my XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX, which is currently appearing on my TransUnion, Experian, and Equifax credit reports. According to the reporting, this account is listed as having been late in XX/XX/year>. However, this account has long been paid in full, is now closed, and reflects a {$0.00} balance and no past due amount across all three reports. 

The continued presence of a late payment designation on an account that is not only satisfied but also closed is materially misleading and misrepresents the status of my payment history. Under 15 U.S. Code 1681e ( b ) of the FCRA, consumer reporting agencies are legally obligated to follow reasonable procedures to assure maximum possible accuracy of the information they report. Maintaining a derogatory mark like a late payment on an account that is fully satisfied and current is a clear failure to meet that obligation. 

Furthermore, I have disputed this inaccuracy previously, and the automated response I received from the credit bureaus indicated the information was " verified '' without providing any supporting documentation or direct evidence from XXXX XXXX. Under 15 U.S. Code 1681i ( a ), I have the right to a reasonable reinvestigation of any disputed information, and I have yet to receive anything that satisfies this standard. Simply regurgitating the same incorrect data without meaningful investigation violates my rights and fails the intent of the FCRA. 

This inaccurate reporting has had real consequences. Because of this derogatory mark, I have been denied credit, faced higher interest rates, and suffered damage to my financial reputation. The most distressing part is the emotional toll this has taken. Ive upheld my end of the financial obligation with XXXX. To be punished despite doing the right thing is disheartening and unjust. I am being penalized for an event that is not representative of my current credit standing and is no longer relevant or accurate based on the accounts paid and closed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
I am writing to lodge a formal and urgent complaint against Equifax for what I believe to be racially discriminatory credit reporting practices. 

Despite having a XXXX XXXX on-time payment history, paying off a mortgage, and reducing my debt by over {$180000.00} in XX/XX/year>, my credit score remains an unreasonably low XXXX. Each time I make financial progress whether its reducing my debt or making timely payments my score either remains stagnant or inexplicably drops. This is not only unjustified, it is deeply suspicious. 

What makes this even more egregious is a direct comparison to a white peer of mine who is currently undergoing foreclosure and has not made a mortgage payment in nearly a year yet his Equifax credit score remains at XXXX. There is no rational or data-driven explanation for why someone in active default would be rated significantly higher than someone with near-perfect payment history and drastically improved debt-to-income ratios. 

This pattern suggests not only gross negligence, but what appears to be a systematic suppression of my credit score based on race. I am a XXXX consumer, and I believe Equifax is engaged in XXXX profiling and discriminatory practices in the way my credit is evaluated and reported. These actions are not only unethical but potentially illegal under the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and other civil rights protections. 

I demand an immediate investigation into how my credit profile is being handled, a full audit of my scoring history, and a correction that reflects the actual financial responsibility I have demonstrated. Furthermore, I insist on a written explanation as to why such significant discrepancies exist particularly when they align along XXXX lines. 

I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consulting with legal counsel to pursue civil rights claims against Equifax for discriminatory credit scoring. 

This is a serious matter and must be treated as such. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request via certified mail to Professional Debt Mediation in response to a rental collection they placed on my credit report. The letter requested legal validation of the alleged debt, including a copy of the original signed lease, an itemized breakdown of charges, proof of assignment or bill of sale from the original creditor, and documentation of their permissible purpose to report the account. 

USPS tracking confirms the letter was delivered on XX/XX/year>. To date, I have not received any of the requested documentation. Instead, the company continued reporting the debt to credit bureaus. I then filed a dispute with the credit bureau, and the company responded only by re-verifying the account without providing any supporting documentation. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that a debt be properly validated if disputed and that accurate and verifiable information be reported. 

I have attached all supporting documents below, including a copy of my certified mail receipt, delivery confirmation, debt validation request letter, dispute investigation results, and a summary showing that no documentation was submitted to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I purchased two vehicles from XXXX XXXX XXXX XXXX XXXX in XX/XX/scrub> 2025 and another in XX/XX/year>2025 both financed through Nissan Motor Acceptance ( XXXX ). In both cases, a {$2500.00} protection package was added to the total price. When I bought the first vehicle, the package was never mentioned and did not appear in the final contract only on the initial offer sheet. I had no idea it was included. I discovered it only during the second purchase, when I was told it was mandatory and could not be removed. 
In the first transaction, they also added a {$2000.00} extra insurance product just based on my response to a casual question. I saw it in the signed contract only after getting home, returned the next day, and had it removed. But I didnt even know the protection plan existed until later, so I couldnt question or reject it at the time. I believe these omissions were intentional. 
During the second deal, I also agreed to a {$500.00} brake pad service, which I canceled the next day. The dealership said Id be refunded in 4 weeks, but I never received anything. Ive already filed complaints with the XXXX  and North Carolina DOJ the dealership just keeps offering to meet, without real solutions. 
This was my first car purchase in the XXXX, and XXXX is not my first language. The process moved quickly, and the sales manager didnt explain each item. He simply showed the offer and pushed for signatures. I wasnt given a clear breakdown of what was optional, and I didnt understand what I was agreeing to until it was too late. I believe the financing included improperly disclosed and unwanted services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint to dispute a fraudulent collection account newly reported by XXXX XXXX XXXX ( XXXX  ) on my Experian credit report, listed with an original creditor name of XXXX XXXX XXXX XXXX and a balance of {$690.00}. This tradeline was never authorized, was not opened by me, and constitutes identity theft, already documented in my FTC Identity Theft Report # XXXX, which has been submitted to Experian and the CFPB in connection with case # XXXX. 

I previously disputed multiple fraudulent collections and charge-offs, many of which have now been deleted. However, this new XXXX  account was posted after my identity theft claim was on file. Experians failure to block this tradeline is a violation of FCRA 1681c-2, which mandates deletion or blocking within four business days once a valid identity theft report is received. 

I am also submitting supporting documentation from XXXX, dated XX/XX/year>, confirming that this and related accounts do not exist in their records. This confirms that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting unverifiable and unauthorized data across credit bureaus. Experian has failed to provide any supporting documents such as signed agreements, billing records, or legal assignments that would validate this debt. 

In addition, the reported balance exceeds {$600.00}, yet no IRS Form 1099-C has been issued, suggesting that the debt was canceled or discharged and should not be legally reported as due. Reporting a canceled debt without proper documentation is deceptive and harmful to my creditworthiness. 

Experian 's continued reporting of this account, despite prior notice of identity theft, is a willful violation of FCRA 1681n and 1681o, and I reserve my right to pursue civil remedies.

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 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
My medical student loans ballooned by more than XXXX during this period that SAVE has been in forbearance and I was supposed to not have interest charged. Instead I have loans that have accumulated tons of interest ( example XXXX of interest on a XXXX loan ) during this period. I called Mohela multiple times and was told this is a mistake and it would be removed " at some point '' but would not tell me when. I asked for documents showing records of this interest accrual and they would not provide them. I now have about XXXX of loans and a substantial portion is interest I should not have. I can not even consider paying down any of this until this interest is removed ( otherwise I am paying down interest I should not even have ). This is a big problem especially with interest resuming on XX/XX/XXXX and my current total being completely off from what it should be. 
PLEASE help me get this removed from my account asap. I am a surgical resident and this will cripple me. I am eager to start working on my loan repayment but can not do so with this circumstance. 

[ It is hard for me to attach documents since Mohela would not provide me with the documentation I requested. I would otherwise need to go through XXXX loans that I have and screenshot several webscreens. Mohela should be able to look at my account and see the interest accumulation. ] Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation