vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington Mortgage is reporting two inaccurate missed mortgage payments on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name isXXXX  XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My Student Loan being collected under my XXXX XXXX XXXX XXXX now being Collected under Acciunt number XXXX had been Discharged by the US Bancruptcy Court at XXXX Hawaii under United States Bankruptcy Court District Court of Hawaii Case Number XXXX A discharge order was granted under section 727 of title 11, United States Code ( The Bankcruptcy Code dated XX/XX/XXXX signed by the US Bankruptcy Judge XXXX XXXX XXXX THE STUDENT LOAN DISCHARGED WAS GRANTED FOR ME AS A XXXX UNITED STATES NAVY RETIREE WHO SOUGHT RELIEF. 

RECENTLY, I HAVE BEEN RECEIVING HARASSING ABUSIVE SCAMNED DOUBLE COLLECTIIN LETTER WITH DOUBLE BILKING AMOUNT TWICE WITHE XXXX HARASSING DUE DATES FOR XXXX FOR {$570.00} & WITH DUE DATE OF XXXX $ {$540.00} AND AGAIN DOUBLE MONTHLY BILLING OF DUE DATE XX/XX/XXXX FOR {$570.00} & DUE DATE XX/XX/XXXX FOR {$1000.00} such scam debt collectiin was hsrassing and intimidating, worst scamming and fraudelent as the debts was fully paid for by thr US Trustee n discharged

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 2025-04-27 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: AR

Complaint narrative:
I disputed an account from XXXX XXXX XXXX ( XXXX ) on my Experian credit report. On XX/XX/XXXX, Experian modified my dispute without my consent and opened multiple new disputes automatically. I did not initiate these disputes. 

XXXX  continues to report a {$5700.00} charge-off from XXXX and refuses to issue a XXXX. 

Experian mishandled my dispute process in violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX has violated My consumer rights, Equifax, and Experian had also violated the Fair Crefit Reporting Act, 15 U.S.C. 6802 outlines the obligations of financial institutions regarding disclosures of nonpublic personal information to nonaffiliated third parties. It mandates that financial institutions must provide or have provided to consumers a notice that complies with specific requirements before disclosing such information. It also restricts the sharing of account numbers for marketing purpose I have Not received such notice which is a violation to the FCRA. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option. 


XXXX is violating the Fair credit reporting Act 15U.S.C 1681 A5 section 611 states the consumer has to be notified within 5 days of the reinsertion without norifying the consumer, and wothout my permission this shouldn't have been reinserted Transunion, Experian, and Equifax are violating the Fair credit reporting Act.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like a reinvestigation of my XXXX XXXX XXXX ( XXXX ) account to insure accuracy across all bureaus. Since comparing the reports I see multiple errors and the continuation of false reporting and inaccurate information is confusing and injurious to my ability to gain credit. I would also appreciate an explanation as to why a repo notice ( which I never received ) was not sent to the address I had on my contract and how I was expected to be notified of the acceleration process with no warning. After my investigation is complete I would like names, business numbers & emails as well as dates of when they reinvestigated for those in the process of verifying this is legitimate and 100 % correct information being reported. An updated credit report afterwards would be appreciated.

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 2025-04-27 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 would like a reinvestigation of my XXXX XXXX XXXX ( XXXX ) account to insure accuracy across all bureaus. Since comparing the reports I see multiple errors and the continuation of false reporting and inaccurate information is confusing and injurious to my ability to gain credit. I would also appreciate an explanation as to why a repo notice ( which I never received ) was not sent to the address I had on my contract and how I was expected to be notified of the acceleration process with no warning. After my investigation is complete I would like names, business numbers & emails as well as dates of when they reinvestigated for those in the process of verifying this is legitimate and 100 % correct information being reported. An updated credit report afterwards would be appreciated.

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 2025-04-27 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Obtained a lease with XXXX XXXX XXXX XXXX in XXXX Florida  XXXX GM Financial on XX/XX/year>. Provided check stubs and took delivery of vehicle. A week later I was asked to provide 3 months bank statements and I complied. After providing bank statements I then told that I needed to log into my personal bank account on the dealership computers so that they can view my bank account. I was also told to log into my account on my personal device so that dealer employees in the finance department can view my personal bank account. I declined to do so and I was told that the vehicle will be taken back from me because of my refusal after signing lease and owning the vehicle for about three weeks. I contacted GM financial and I was told by them to comply or my loan would be cancelled and vehicle repossesed even though I have abided by the lease agreement and I am not or ever have been delinquent on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: DC

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of a collection account being reported by XXXX XXXX XXXX XXXX in the amount of {$1900.00} account # XXXX. 

On XX/XX/2025, I sent XXXX XXXX XXXX XXXX a certified letter requesting full validation of the alleged debt. USPS records confirm that the letter was received and signed for by XXXX XXXX on XX/XX/2025. I have attached proof of this delivery for your review. 

In my request, I asked for : Proof of acquisition by chain of assignment contracts ; The original agreement bearing my signature ; Proof of their authority and licensing to collect debts in my state ; Their license numbers and Registered Agent or Agent of Service information ; Identification of the original creditors name, address, and amount owed. 

Additionally, my letter explicitly disputed the validity of the debt and served as a cease and desist notice for all collection activities until proper validation was provided. 

As of today, XX/XX/2025, no documentation or validation has been received from XXXX XXXX XXXX XXXX. 

Under 15 U.S.C. 1692g ( b ), failure to validate a debt after a formal request requires the collector to cease collection efforts including reporting to the credit bureaus. Continuing to report an invalidated debt is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Given these facts, I am requesting the immediate deletion of this account from my credit file, as XXXX XXXX XXXX XXXX has not fulfilled the legal requirements to substantiate this debt. 

To verify my identity and ensure accurate processing, I have included : A copy of my Drivers License, A copy of my Social Security Card, and A copy of a recent credit card statement, in accordance with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed account has been removed from 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 explanation
Consumer complaint received 2025-04-27 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: DC

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of a collection account being reported by XXXX XXXX XXXX XXXX in the amount of {$1900.00} account # XXXX. 

On XX/XX/2025, I sent XXXX XXXX XXXX XXXX a certified letter requesting full validation of the alleged debt. USPS records confirm that the letter was received and signed for by XXXX XXXX on XX/XX/2025. I have attached proof of this delivery for your review. 

In my request, I asked for : Proof of acquisition by chain of assignment contracts ; The original agreement bearing my signature ; Proof of their authority and licensing to collect debts in my state ; Their license numbers and Registered Agent or Agent of Service information ; Identification of the original creditors name, address, and amount owed. 

Additionally, my letter explicitly disputed the validity of the debt and served as a cease and desist notice for all collection activities until proper validation was provided. 

As of today, XX/XX/2025, no documentation or validation has been received from XXXX XXXX XXXX XXXX. 

Under 15 U.S.C. 1692g ( b ), failure to validate a debt after a formal request requires the collector to cease collection efforts including reporting to the credit bureaus. Continuing to report an invalidated debt is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Given these facts, I am requesting the immediate deletion of this account from my credit file, as XXXX XXXX XXXX XXXX has not fulfilled the legal requirements to substantiate this debt. 

To verify my identity and ensure accurate processing, I have included : A copy of my Drivers License, A copy of my Social Security Card, and A copy of a recent credit card statement, in accordance with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed account has been removed from 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 explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-04-27 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: Self Financial Inc.
State: CA

Complaint narrative:
This company is violating my rights, they have not provided valid Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made multiple previous attempts to fix these issues directly with them. They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they can either pay me or delete these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
I am now requesting proof of the previous investigation on the account below. 

Experian XXXX XXXX XXXX XXXX XXXXXXXX Experian Report Number : XXXX the original dispute was for XX/XX/year> and XX/XX/year>. Now the updated report shows that being paid on time. But now it shows XX/XX/year> and XXXX XXXX  30 days late. Clearly this is inaccurate. 

I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit

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 2025-04-27 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: AR

Complaint narrative:
On or around XX/XX/year>, Experian modified and disputed multiple accounts on my credit report without my permission. 
I did not initiate these disputes. 
Experian mishandled my entire credit file, updated multiple accounts, and impacted my credit score without proper investigation or written notice.

This violates FCRA 611 ( a ), 611 ( a ) ( 5 ) ( B ), and 611 ( b ).

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 2025-04-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I see litigation for defamation character ) XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX XXXX balance {$170.00}, XXXX XXXX balance {$1700.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX  balance {$0.00}

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 2025-04-27 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: ID

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-27 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
the family educational rights and privacy act, FERPA, protects the confidentiality of student records. This breach of clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation