vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Im filing this complaint against ProCollect regarding a debt they are reporting on my credit, which originates from a previous apartment lease with XXXX XXXX of XXXX, NC, XXXX. I was told I owed {$2600.00}, but I believe the charges are inaccurate and inflated. 

I previously attempted to dispute this amount, as I do not believe I should be responsible for the full balance. I had concerns about specific fees and charges related to the move-out or damage that I do not agree with or was not informed of at the time.

Despite this, ProCollect continued reporting the account to the credit bureaus without giving me a meaningful opportunity to resolve the dispute.

Recently, I contacted ProCollect again in good faith to negotiate a payment plan, since I want to handle the debteven if I disagree with the full amount. I made it clear that I can not afford to pay {$2600.00} in full, but that I was willing to pay monthly within my budget. 

Instead of working with me, the agent was rude, dismissive, and falsely accused me of refusing to pay. They told me I could only pay the full balance, and if I didnt, they would continue reporting negatively to my credit and mark the account as a refusal to pay. 

This is a misrepresentation of the situation. I am actively trying to resolve the debt but am being refused a payment arrangement that aligns with my financial situation. I believe ProCollects behavior is unethical and coercive, especially when I have shown willingness to cooperate.

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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
over 6 months ago, I received notice via XXXX  credit that a collections agency posted a debt to my credit ( & significantly hurting my credit score ). I was in the XXXX XXXX at the time and unable to look into it further until earlier this year. 
I first " disputed '' it through Experian, but that didn't go anywhere. 
When I called Sunrise credit, they didn't give me any information about the charges, just asked me about paying it off.

I finally got a person who shared detailed information about the debt with me. Turns out it was $ XXXX bill from XXXX XXXX that used my SSN to open. The email, phone number and everything else associated with the account I did not recognize. Sunrise flagged it for their " XXXX department '' and said they would " be in touch '' ... XXXX weeks passed and I hadn't heard back. I decided to get in touch with XXXX myself. 

XXXX gave me a " fraud packet '' to complete. I completed a notarized affidavit along with providing financial information showing them where I was and who I was at the time of these reported charges. 
XXXX got back to me immediately on XX/XX/year> confirming that the charges were fraudulent. 
To date - Sunrise has yet to remove the charges from my credit report and every time I call says that I can not speak to anyone.

They have been impossible to deal with and if it wasn't for people on the internet who dealt w this before I'd be totally lost.

I have personal life purchase to make ( a home ) and this fraudulent report significantly effects my credit & ability to get a strong loan. 
XXXX needs to be held accountable and to resolve these issues in a timely manner.

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 2025-05-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These inquiries has no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681b

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 2025-05-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These inquiries has no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute certain fraudulent accounts and unauthorized inquiries that have been reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am demanding the immediate removal of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute certain fraudulent accounts and unauthorized inquiries that have been reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am demanding the immediate removal of these inaccuracies.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX placed a security freeze on my account at my request in XX/XX/XXXX, under the name XXXX XXXX XXXX and the address XXXX, GA XXXX. I also submitted an opt-out of information suppression request, which was approved on XX/XX/XXXX case number XXXX. Additionally, I have a block on my XXXX account and have provided all requested documentation, including my Social Security number, drivers license, and a current utility bill. 

Despite this, XXXX is providing inaccurate information to the credit bureaus ( XXXX XXXX XXXX  Experian ), specifically regarding a bankruptcy. The bankruptcy listed reflects the name XXXX XXXX XXXX XXXX, but my correct legal name is XXXX XXXX XXXX, without the suffix " XXXX '' XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) shows the bankruptcy is under XXXX XXXX XXXX XXXX, yet XXXX is associating this with my account. If they are going to report sensitive and impactful information like bankruptcies, it is critical they ensure accuracy in name matching. XXXX has long had access to my correct identifying information going back to when I began driving in XXXX, and they have requested this information again, despite already possessing it. 

I am seeking that XXXX immediately correct this error and stop reporting inaccurate bankruptcy information associated with someone with a different suffix in their name.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX placed a security freeze on my account at my request in XX/XX/XXXX, under the name XXXX XXXX XXXX and the address XXXX, GA XXXX. I also submitted an opt-out of information suppression request, which was approved on XX/XX/XXXX case number XXXX. Additionally, I have a block on my XXXX account and have provided all requested documentation, including my Social Security number, drivers license, and a current utility bill. 

Despite this, XXXX is providing inaccurate information to the credit bureaus ( TransUnionXXXX XXXX XXXX XXXX ), specifically regarding a bankruptcy. The bankruptcy listed reflects the name XXXX XXXX XXXX XXXX, but my correct legal name is XXXX XXXX XXXX, without the suffix " XXXX '' XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) shows the bankruptcy is under XXXX XXXX XXXX XXXX, yet XXXX is associating this with my account. If they are going to report sensitive and impactful information like bankruptcies, it is critical they ensure accuracy in name matching. XXXX has long had access to my correct identifying information going back to when I began driving in XXXX, and they have requested this information again, despite already possessing it. 

I am seeking that XXXX immediately correct this error and stop reporting inaccurate bankruptcy information associated with someone with a different suffix in their name.

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 2025-05-27 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: GA

Complaint narrative:
After my first complaint filed against XXXX, all XXXX of my student loans reported as 120 days late while in forbearance, after having already been reported as XXXX, XXXX and 90 days late - all of these with all three credit bureaus. These late payments are inaccurate and should not be reported. 

I have called and verified multiple times that all XXXX of my loans are in forbearance and that no payment is due until XXXX of XXXX. This continues to lower my credit and is now resulting in denials for rental housing.

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 2025-05-27 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: GA

Complaint narrative:
After my first complaint filed against XXXX, all XXXX of my student loans reported as XXXX  days late while in forbearance, after having already been reported as XXXX, XXXX and XXXX  days late - all of these with all XXXX  credit bureaus. These late payments are inaccurate and should not be reported. 

I have called and verified multiple times that all XXXX of my loans are in forbearance and that no payment is due until XXXX of XXXX. This continues to lower my credit and is now resulting in denials for rental housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
After my XXXX XXXX XXXX was vandalized on XX/XX/XXXX, I filed a claim with XXXX  XXXX  and provided a XX/XX/XXXX repair estimate showing {$21000.00} of damagefar exceeding their later payout. Santander Consumer USA repossessed the vehicle in XX/XX/XXXX. XXXX XXXX informed me that, due to repossession, only the lienholder ( Santander ) or its agent ( XXXX XXXX ) can negotiate further. I am not a client of XXXX Solutions and therefore can not engage them directly. Despite repeated requests, Santander has refused to contact XXXX XXXX on my behalf to secure a second damage assessment or total-loss declaration, leaving me with an unpayable deficiency balance. Their previous response does not correct or acknowledge my request for them to contact my insurance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I am an XXXX XXXX member of the United States military, and I am submitting this complaint regarding Navy Federal Credit Unions ( NFCU ) failure to properly honor my rights under the Servicemembers Civil Relief Act ( SCRA ). 

Despite submitting valid documentation ( including my XXXX XXXX orders and/or a Statement of Service ), NFCU has failed to apply the mandated SCRA protections, including the reduction of interest rates on pre-service obligations to 6 %, the suspension of certain fees, and protection against adverse credit actions. 

Other well known banks like XXXX, XXXX and XXXX dropped the interest rates to lower than 6 % ( 4 % as offered ). So why NFCU limits SCRA to only pre-active duty balances?. Meaning, if i had a loan before I went to XXXX XXXX, they will lower the balance to 6 %. Any new debt after that, it is applied with a regular 13.90 % APR. That speaks volumes on how NFCU stepped from helping its military members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I don't want prescreened credit card offers and even though I have called Capital One on XXXX occasions to ask they remove my name from their mailing list, they don't stop. I've even called XXXX twice with the same request. The FTC website referred me to your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Transunion inquires - XXXX  XXXX ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX ( XXXX ) XXXX XXXX, XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX  Equifax inquires XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX,XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
These debt collections are stating I owe them money for credit cards I opened. However, they all state my home address is in XXXX. I have never lived in XXXX, I have lived in XXXX  my whole life. I even got wages garnished and they stated I failed to report to court. The summons was sent to some address in XXXX, again I have never lived there so that doesn't make sense. I believe there may have been some identity theft because I had my wallet stolen back in XXXX  and it had very valuable information about me. I also experience bank fraud frequently, that leads to me having to report it with every bank I bank with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CT

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 explanation
Consumer complaint received 2025-05-27 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: CT

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief