vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: AL

Complaint narrative:
called and explained that I was a victim of Identity theft. Representative was very rude and asked me am I sure I wasnt the one who did this.

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 2025-03-26 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
XX/XX/year> CarMart and/or Colonial Auto Finance repossessed my vehicle. I never received written notification of intent to sale/salvage vehicle with the date, amount etc.. before they resold/salvaged vehicle. They never sent me written notification after they resold/salvaged the vehicle showing the balance owed minus the sale/salvage price.

This is illegal in Oklahoma under UCC 1-9-611. Creditors Duty to Provide Notice Creditors must notify borrowers after repossession, detailing their rights and the next steps. Under Oklahomas UCC 1-9-611, the lender must send a written notice stating the intent to sell or dispose of the collateral. This notice must include the date, time, and method of sale, whether it will be public or private, and any remaining obligations. 
The notice must be sent at least 10 days before the sale to allow the borrower time to act. Failure to provide proper notice can give borrowers grounds to challenge the sale or seek damages. Courts have ruled that improper notification can reduce or eliminate a lenders ability to collect a deficiency balance. 

Not only that, XXXXColonial Auto Finance sold us a vehicle with an illegal faulty exhaust. I was 6 months pregnant at the time it was sold to us. Less than a month after buying the vehicle, we had to take it back to XXXX to their mechanic shop to have a supposedly new exhaust on it. However, 3 months later the vehicle broke down while driving it due to the illegal and faulty exhaust locking up the motor and blowing out the oxygen sensors. They did not get the vehicle in the shop until a month later leaving us with no vehicle and my husband losing his job. They supposedly put a brand-new exhaust on the vehicle once again, however the exhaust for a XXXX time began acting up making it impossible XXXX XXXX the vehicle. I was subjected to breathing in toxic exhaust fumes while pregnant and did not know the exhaust was bad until it broke down. It has been proven that inhalation of XXXX XXXX XXXX XXXX XXXXXXXX can cause the XXXX  baby to have XXXX. I had a negativXXXX XXXX XXXXt before buying CarMart vehicle. XXXX XXXX  determined my unborn baby was NOT at risk of developmental delays or XXXX. However, I have a XXXX son whom I was pregnant with when we bought CarMart Vehicle that has been diagnosed with XXXX by Social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

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 2025-03-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was notified of a debt owed by Columbia Debt Recovery for back rent of {$9300.00}. Upon further discovery the debt collection agency let me know my name and SSN were used to obtain an apartment to a XXXX XXXX XXXX female named XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX A, XXXX, MD XXXX from XXXX. No rent was paid during the entire rent timeframe. The collection was sent to Columbia Debt Recovery on XX/XX/year> and my credit monitoring system informed me on XX/XX/year>. I have since filed a police report and a financial fraud packet. Im awaiting a police report number. I do not know this person nor have I been to Maryland, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-03-26 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: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am certifying and contesting that this letter has been sent with my free will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. These items that appear on my credit report do not belong to me. Due to you all reporting these items and incorrect information on my report, these items have caused harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

The following accounts appear on my credit report and require verification : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to FCRA Section 609, I am requesting : A copy of the original contract bearing my signature for each of the listed accounts. 
The name and address of the original creditor. 
Any records associated with the origination of these accounts Additionally, I am invoking my rights under FCRA Section 605B regarding identity theft. This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent accounts from my reports within FOUR days of receipt of this letter as they do not relate to any transactions that I have made. 

Enclosed are copies of my government-issued identification and the necessary documentation to facilitate this investigation. Please conduct a thorough review and provide a written response at your earliest convenience. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-26 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-03-26 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I will submit the FTC report for the information needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My home and business were completely destroyed in the recent XXXX XXXX fire in XXXX, XXXX. I had a loan through Solar Mosaic for solar panels installed on my property. While Mosaic did offer a three-month forbearance, they have since denied my request for a settlement or modification that would reflect the extreme hardship I am now facing. 

I am in the process of rebuilding, but the future of the property remains uncertain due to reduced property values and ongoing recovery challenges. Although I have received partial insurance payouts and am pursuing additional assistance through the XXXX, I recently learned that my homeowners insurance does not cover the solar panels. At no point during installation or loan processing was I made aware that I needed to take additional steps to ensure the panels were covered something I would have done immediately if informed. 

This leaves me in a situation where I am still obligated to repay the full loan for equipment that was completely destroyed, with no insurance compensation available. Mosaic has refused to consider any modification, stating that they do not accept settlements even under these extreme, disaster-related circumstances. 

I am not trying to walk away from my obligations, but I am asking Mosaic to consider a fair and reasonable solution given the total loss of the property, lack of coverage for the panels, and the financial hardship this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: KS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a further complaint regarding the previously sent, but currently open CFPB complaint I sent to Bank of America, CFPB complaint ID XXXX. This is regarding the XXXX Bank of America case ID of XXXX, and account ending in XXXX. 

XXXX XXXX from Bank of America called me on XX/XX/year> and left a voicemail saying to call him back at XXXX extension XXXX. However, the automated service at that XXXX number does not accept any keypress inputs to connect to that extension when calling that number, nor does it accept voice inputs to get to XXXX XXXX extension. So I can not call him back. Anyone is free to try dialing that XXXX number and attempt to connect to that extension to verify this. This situation is suspicious for Bank of America not actually wanting to talk to anyone about complaints by making it difficult/impossible for people to contact them. 

Furthermore, I received an email from Bank of America on XX/XX/year> instructing me to fill out a PDF Fraud Statement where it requests that I not only provide my government-issued ID numbers, but send in copies of those IDs, and also proof of residency such as a utility bill. I do not have any legitimate accounts with Bank of America, so I do not want to provide additional sensitive information that will be stolen when there is a data breach at Bank of America. I have already provided Bank of America over the phone during my initial call with my name, social security number, physical address, phone, and email. Bank of America should require the account holder of the fraudulent account to provide their government-issued ID and proof of residency for verification, not me. The account holder is the one that wants to use Bank of Americas services, not me.

This is further evidence that Bank of America does not care about these fraudulent accounts, and just wants to keep them open for the sake of increasing their numbers purely for financial gain, at the expense of not only harming my personal financial record, but also harming the greater good due to the serious federal crimes that are potentially being committed using these fraudulent Bank of America accounts such as money laundering.

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 2025-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I couldn't get into my account, even though my passwords are saved. Tried to sign on online, and it told me to call equifax so I did. Finally got a hold of a representative, and told them I couldn't sign on and they updated a few personal information, but I still was never successful at signing in. The representative stated I could just dispute things over the phone, and so I told him I wanted to dispute the medical bills that are on my report. He said he put it in, and I explained to them that per CFPB, medical bills can't be used on reports, and they said I needed to send something proving this. I said okay, but he put the dispute in as me disputing the company and not me asking equifax to remove what shouldn't be on my report. Nothing has changed on my report, but today, after I was able to dispute through XXXX XXXX yesterday, my credit score dropped XXXX points for no reason. My credit usage is not updated on equifax, I saw through XXXX, and my payment history is incorrect. I can't sign on to update and I can't get help through equifax to get onto my own report.

Company response to consumer: Closed with explanation