vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit report regarding two student loan accounts with DPT EDXXXX, reported through XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Here 's the thing. On the morning of XX/XX/XXXX, I received an email letter with suspicious credit card activities asking me if it was me. If not, please click it's not me. It's not my consumption. I refused. I immediately clicked on my online bank to check my credit card and found that my money was still swiped or 2 The money, I immediately called the Bank of America to deal with it. They told me that I bought it with my own card, but the address is in the very distant Arkansas, but I have been living in New York. It is obviously stealing money, but the bank customer service has always said that it was me, but what is my problem? The bank sent me an email asking why they wanted to take away my money. They told me that it was suspicious consumption. I had clicked to refuse, but they still took away my money. The second problem was that they told me that I entered the store with the card to spend! Later, we argued for a long time, and they told me that they would help me solve it and help me apply for a claim. On XX/XX/XXXX, I was very happy to find that my money was returned, but on XX/XX/XXXX, my money was deducted again! I immediately called the bank to ask why. As a result, they told me that these two were my own online orders. This is different from the first time. The first time I was told that I was in the store to spend, and the second time I was told that I was online. I questioned their bank, but they said they couldn't refund my money, but it's not my problem at all. I told him the first time again. I told him that you sent me that the money was suspicious. I refused, but you still took my money, so it's your problem, not mine! Later, the bank staff said that they would help me apply and deal with it. He sent me an email, but he asked me to solve it by myself! He didn't help me at all. Is it because I'm XXXX and my XXXX is not good, so he doesn't want to help me? My credit score is very high! So I want to complain to Bank of America. I need them to claim for my stolen money. It's completely their problem!

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 monetary relief
Consumer complaint received 2025-05-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Someone has my personal information and has opened up a fraudulent bank account in my 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 2025-05-08 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: MA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Date XX/XX/year> XXXX XXXX XXXX Notice Threatening to send my information without consent to legal law firm for possible legal action. 

Amount of debt {$1100.00} I have never signed a contract with credit corp solutions.

Credit corp solutions does NOT have my consent to have my personal information. 
I requested to opt out of my information being sold or shared to third parties this company does not have my verbal or signed consent to share my information or sell. This company does not have my consent to have my personal information with inaccuracies and incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I recently ( XX/XX/XXXX ) leased a XXXX XXXX XXXX from Mercedes Benz XXXX XXXX XXXX. I traded in my XXXX XXXX XXXX. The dealership offered a really low number for the vehicle which I came to find out later on through friendships in the industry. My car was worth roughly XXXX XXXX more than they said it was worth. They got me into a terrible lease deals for a car not worth near what I am being charged. Unfortunately, I was the last client that night and felt pressured to close the deal fast since they were about to close and did not know if the finance company would be able to process the deal if it took longer. I signed the paperwork and left with the vehicle. Less than 24 hours later, I returned to the dealership and asked to please rearrange the deal as I felt I had been taken advantage of. They refused to help in any way. I tried contacting the General Manager and received no answer. I tried going through corporate to express my concerns and possibly receive some help, but no luck there either. I have my lawyer waiting on an answer from Autonations legal team, but yet again, no answer. Now, the legal issue stems from the fact that I explicitly requested and asked that night before signing any paperwork if the vehicle was equipped with XXXX XXXX XXXX XXXX XXXX ), which is a feature I use and want. Further, XXXX, my insurance company asked if the vehicle was equipped with XXXX, at which point I asked again to the salesman and the sales manager to which both replied XXXX, it does have it. I provided the answer to Geico and proceeded to close the lease deal. A few days later I am looking all over the internet to find out how to activate XXXX while driving, only to find out that the vehicle does not have this feature which I requested, want, and even asked for on behalf of my insurance company. These people misrepresented the features on the vehicle and omitted a feature that is important and useful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
* Subject : Formal Dispute and Request for Removal of Inaccurate Account * * * * Account Number : * * [ XXXX * * * * or full account number from your report ] To Whom It May Concern : I am writing to formally dispute the accuracy of the following account listed on my credit report due to * * Metro 2 compliance violations * * and * * material inaccuracies * *. Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and * * deleted or corrected immediately * *. 

# # # * * Violations Identified : * * XXXX. * * Inconsistent Charge-Off Dates * * - Experian : * * XX/XX/XXXX * * - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 Violation : XXXX XXXX  Section XXXX requires uniform reporting of charge-off dates. This discrepancy misrepresents the account status and harms my creditworthiness. 

XXXX. * * Mismatched Balances * * - * * Line XXXX : * * {$0.00} ( Experian ) vs. {$2.00} ( XXXX  ) - * * Line XXXX : * * {$500.00} ( Experian ) vs. {$0.00} ( XXXX XXXX  - * * XXXX XXXX Violation : * * Section XXXX mandates accurate balance reporting. Conflicting amounts violate compliance standards. 

XXXX. * * Non-Standardized Remarks * * - Experian : * Unpaid balance reported as a loss by the credit grantor * - XXXX : * Charged off account Charge * - * * Metro 2 Violation : * * Section XXXX requires uniform remarks. Inconsistent descriptions create consumer confusion. 

XXXX. * * Incomplete Payment History * * - Only XXXX months of OK statuses are reported, but Metro 2 requires a * * full XXXXmonth payment history * * ( Section XXXX ). 

XXXX. * * Date Discrepancies * * - * * Last Payment Date : * * XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( XXXX  ) - * * Activity Date : * * XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Actions : * * - * * Delete the account * * from my credit file due to systemic inaccuracies and non-compliance with Metro 2 guidelines.

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 2025-05-08 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:
* Subject : Formal Dispute and Request for Removal of Inaccurate Account * * * * Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX or full account number from your report ] To Whom It May Concern : I am writing to formally dispute the accuracy of the following account listed on my credit report due to * * Metro 2 compliance violations * * and * * material inaccuracies * *. Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and * * deleted or corrected immediately * *. 

# # # * * Violations Identified : * * XXXX. * * Inconsistent Charge-Off Dates * * - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Metro 2 Violation : * * Section XXXX requires uniform reporting of charge-off dates. This discrepancy misrepresents the account status and harms my creditworthiness. 

XXXX. * * Mismatched Balances * * - * * Line XXXX : * * {$0.00} ( Experian ) vs. {$2.00} ( XXXX XXXX - * * Line XXXX : * * {$500.00} ( XXXX  ) vs. {$0.00} ( XXXX XXXX XXXX XXXX * XXXX XXXX Violation : * * Section XXXX mandates accurate balance reporting. Conflicting amounts violate compliance standards. 

XXXX. * * Non-Standardized Remarks * * XXXX XXXX XXXX XXXX Unpaid balance reported as a loss by the credit grantor * - XXXX XXXX XXXX  Charged off account Charge * - * * Metro 2 Violation : * * Section XXXX requires uniform remarks. Inconsistent descriptions create consumer confusion. 

XXXX. * * Incomplete Payment History * * - Only XXXX months of OK statuses are reported, but Metro 2 requires a * * full 24-month payment history * * ( Section XXXX ). 

XXXX. * * Date Discrepancies * * - * * Last Payment Date : * * XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( XXXX  ) - * * Activity Date : * * XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions : * * - * * Delete the account * * from my credit file due to systemic inaccuracies and non-compliance with Metro 2 guidelines.

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 2025-05-08 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: AE

Complaint narrative:
TO Consumer Financial Protection Bureau, Subject : TransUnion Failure to Investigate Disputed Account XXXX XXXX Military Member Impacted I am filing this formal complaint against TransUnion for its failure to correct two accounts that are inaccurately reporting as 90 days past due in the STATUS section of my credit report. This error involves these accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX and are currently listed by TransUnion as derogatory, with a payment history that falsely indicates significant delinquency. 
I am an XXXX XXXX member of the United States XXXX, and the presence of this false derogatory information is having a serious and escalating impact on my security clearance status, which directly affects my employment. A loss of clearance would result in immediate termination from my position and would have a devastating impact on my life, family, and financial well-being. 
In response to this inaccurate reporting, I have sent multiple written disputes to TransUnion USPS Tracking # XXXX XX/XX/year>, including a formal letter from XXXX XXXX XXXX XXXX confirming that the account in question was never late and has always been paid as agreed and remains in good standing. Despite clear documentation from the original creditor, TransUnion has refused to correct or update the information, and the derogatory status remains. 
This ongoing failure to correct the report is in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( 1681i ) Failure to conduct a reasonable reinvestigation of disputed information ; Section 607 ( b ) ( 1681e ( b ) ) Failure to follow reasonable procedures to ensure maximum possible accuracy of credit report data.

I am now facing the very real possibility of a loss of employment due to this unresolved issue. I have taken every legal and procedural step available to correct the matter, and this complaint represents my final documented attempt to resolve the issue administratively before I initiate legal proceedings. 
I respectfully request that the CFPB immediately : Investigate TransUnions failure to properly investigate and correct the reporting of this accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX Account number : 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tesla, Inc.
State: MN

Complaint narrative:
Tesla finance. Never reported a lease with them 3 years ago. No history of making 100 % on time payments. Refuse to say I had a lease with them. And wont give me credit for having the lease. I feel after having good payment history I need to have this added to my report so I can get credit for this lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded XXXX my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ XXXX  validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, XXXX yet the disputed accounts have not been updated. If this continues, I will have no choice but XXXX take legal action due XXXX the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, ExperianXXXX XXXX Transunion data breach.

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