vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I came across some inaccurate accounts on my credit report today, and I don't understand why they're there. I perform regular checks, and everything was fine beforebut suddenly, these discrepancies appeared. I tried refreshing the browser in case it was a temporary error, but that didn't fix anything. Therefore, I kindly ask that the documents I provided be reviewed carefully to ensure this doesn't happen again.

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 2025-04-15 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: FL

Complaint narrative:
Equifax shows no history of a credit report when trying to buy a house lenders are not able to get a score. States that it's frozen and or fraud. I've sent SS card drivers license proof of address and had creditors send statements to them and still nothing. This is holding me up to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
This issue is due to the data breach. There is inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: GA

Complaint narrative:
Ive been getting nuisance calls from what I assume to be debt collection agencies ( after XXXX  the numbers ) for around 6 and a half years. These have been for the wrong person ( someone named XXXX XXXX I am not XXXX XXXX. 

At approx XXXX on XX/XX/XXXX I received a call from a company claiming to be XXXX XXXX XXXX XXXX asking for someone named XXXX once again. 

I stated that I was not him and I had been receiving calls for around six and a half years for this person. I stated that Id be reporting the call the the FCC. Caller stated something to the effect of Thats fine, youll keep getting calls for the next 20 years. I told caller that they clearly didnt have a very good job since Im constantly getting calls for a person who doesnt exist. They told me that this person did exist and I said that in that case, you obviously arent very good at your job, since you havent found him and keep calling me instead.

Caller then said Oh yeah, see how good I am at my job and hung up on me.

Absolutely ridiculous behavior. Report has also been made to FCC. Called company one more time to get company name and they told me theyd take me off their list. I dont believe this at all since they were so unprofessional in the first place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$9100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-15 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: VA

Complaint narrative:
XXXX Dispute submitted to expiration and requested debt validation and they have yet to provide it for over 2 years but yet that state I owe with out any documentation of a contract signed by me, chain of custody of account information and no account history has been provided to me and I have requested it several times however they are still harassing me as well as calling several times a day and at all hours when I requested they stop calling me and proved the requested information via the USPS.

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 2025-04-15 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:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Unverified and Inaccurate Collection Account Reporting ( FCRA Violations ) To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX for reporting an unverified, inaccurate, and potentially re-aged collection account to TransUnion and other credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT IN DISPUTE : Debt Collector : XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  Account Type : Factoring Company Account Balance : {$730.00} Account Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Pay Status : >Collection< Remarks : Account information disputed by consumer ( FCRA ) ; Placed for collection Estimated Removal Date : XX/XX/XXXX FCRA Violations and Grounds for Dispute : 1. Failure to Validate the Debt ( FCRA 609 ) I have requested validation of this debt, including the original contract, billing history, and evidence of legal right to collect. XXXX XXXX XXXX has not provided any documentation in response. 

2. Improper Verification After Dispute ( FCRA 611 ) Despite my formal dispute, XXXX XXXX XXXX continued to report the account with no proof of investigation or response to my dispute, which constitutes a violation of 611. 

3. Inaccurate Reporting ( FCRA 1681e ( b ) ) The account may have been re-aged, given that the original delinquency date appears to be XX/XX/XXXX, yet XXXX XXXX is reporting the account as opened in XX/XX/XXXX. This creates a misleading impression of recent delinquency and extends the duration of negative reporting. 

4. Misleading Use of Factoring Company Label The tradeline is labeled as a Factoring Company Account, which does not clearly describe the nature of the debt. This classification is vague, potentially deceptive, and does not provide transparency required under FCRA. 

Summary of Harm : XXXX XXXX XXXX actions have resulted in significant harm to my credit score and reputation, impacting my ability to secure housing and access to financial services. Their reporting practices violate my rights under the FCRA and demonstrate a lack of compliance with consumer protection laws.

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 2025-04-15 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: TX

Complaint narrative:
I was looking at my credit report and i saw 1 fraudulent inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
This CFPB. complaint has been filed to request pursuant of FCRA 605B ( 15 USC 1681c ( 2 ) that within 10 days your reporting agency block and remove the unauthorized inquires and account that is on my credit report due to identity theft as a victim of the Equifax 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 2025-04-15 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I purchased a pre owned XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. And purchased an Vehicle Service Agreement ( an extended warranty ) for a term of 5 years or XXXX miles for a price of {$3400.00}. The original manufacturers warranty still applied. 
On XXXX when I attempted to avail my rights under the agreement for a repair costing in excess of {$5500.00}, I was told by XXXX XXXX XXXX my warranty expired in XX/XX/XXXX and was told to consult the dealer, XXXX XXXX XXXX who informed that this was an " in service '' warranty meaning that it expired 5 years from the date the vehicle was sold and placed in service ( apparently XX/XX/XXXX ). I said this was not my understanding, that their agreementnever stated this but says " coverage under this agreement begins on the Agreement Purchase andthe mileage listed on the odometer on the date '' ( i.e., XXXX ). " Agreement will expire the earlier of ( a ) XXXX PM ofthe Agreement Expiration date or ( b ) when your Covered Vehicle odometer reading equals the Agreement Expiration Mileage " - the mileage on XXXX XXXX, XXXX was approxiamtely XXXX. 
The dealer would not honor the XXXX nor refund me the {$3400.00} charged to me. This agreement was a " scam '' and I was cheated out of my money - I essentially paid for something that I owned by purchasing the vehicle itself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I contacted my sister to check my account while I was incarcerated and my account was at XXXX balance. We did a dispute I showed proof of my incarceration from the jail. The company Current has refused to get a supervisor or refund my money the dispute has been filed falsely by the company saying i got the cash via atm. Which isn't true for me because I wasn't in possession of my card which was stolen. The representatives are very nasty and disrespectful they made false statements saying I've spoken with a supervisor, never have and I keep all records also this company has XXXX open complaints on the XXXX  site I've emailed their fake email and nothing. This company should be shut down completely. They are allowing people to steal from you and refuse to help also their features are falsely advertising products that don't report to ant credit agencies and they tell you how to spend your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-15 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:
I am filing a complaint regarding XXXX addresses listed on my credit report that I do not recognize and have never been associated with : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX These addresses are inaccurate and do not belong to me. I have disputed this information with the credit bureau, but it still appears on my report. 

This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy and remove unverifiable information. I am requesting that these addresses be deleted from my credit file immediately.

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 2025-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I had started out of the gate, and a few people and witnesses will tell you that I was unwilling to escrow the insurance. I told everyone through email at XXXX XXXX and my agent that it was a deal breaker if it was required.And I was told it shouldn't be a problem and I verified all of this before making an offer and moving forward. I have already paid inspection fees, XXXX appraisals and earnest money and they are saying I have to go back on it. I also paid the insurance outright for the year, and they are still trying to escrow the money. I did not want this and now they are saying, I can't pull out without losing my money XXXX dollars. I feel like this is gross misrepresentation.Especially since I asked the questions beforehand and I have emailed traffic to prove it and witnesses who will testify.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX, I sent certified dispute letters regarding a debt being reported by Plaza Services LLC for an account I do not recognize. The account had previously been removed from my credit report but has since reappeared without any proper verification that it belongs to me. 

I have never lived at the address associated with the alleged account, and the documentation provided by the company only included a bill of sale between companies. No contract, application, or identifying documents have been provided to confirm that this account is mine. 

Despite my certified requests, Plaza Services has failed to respond adequately or provide the required proof. The continued reporting of this invalid account is negatively affecting my credit profile. I am requesting that this account be removed permanently from all credit bureaus and that Plaza Services cease further collection or reporting efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: SC

Complaint narrative:
I am following up on my previous complaint concerning the collection account reported by TekCollect for services from XXXX. Since my initial submission, I have obtained further information reinforcing my position : XXXX Bankruptcy and Service Cessation : XXXX filed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and ceased operations in XX/XX/year>. This abrupt shutdown left many customers, including myself, with incomplete treatments and unfulfilled services. 
Breach of Contract : The companys failure to deliver the agreed-upon services constitutes a breach of contract. Despite this, TekCollect has reported a collection account for the unpaid portion of the treatment, which is for services never rendered. 
Bankruptcy Court Proceedings : A bankruptcy court denied XXXX request for a structured dismissal that would have released claims against the companys insiders, citing concerns about the fairness of the proposed settlement to creditors. 

Given these developments, I respectfully request the CFPBs assistance in ensuring that : 1. TekCollect removes the invalid collection account from my credit reports with all major credit bureaus.

2. All collection activities related to this account cease immediately.

3. I receive written confirmation of the removal and cessation of collection efforts. 

Thank you for your continued support in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This has been addressed a year and a half. I opened up the card with a deposit nonrefundable of {$99.00} credit one said to bill my credit I had to put down {$300.00} of my own money credit one has sent my account to a collection agency and until today they have not sent me a copy of my contract cause they dont have it. They just sending paperwork of interest charges on my own money and I asked them to take this off my credit profile the agency refused to remove this off my account

Company response to consumer: Closed with explanation