vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: M1 Holdings Inc.
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. ( MIDLAND CREDIT MANAG ) is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.

1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( MIDLAND CREDIT MANAG ).

Please be advised that providing a memorandum or other statement from your agency, stating that ( MIDLAND CREDIT MANAG ) the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
I purchased a vehicle from XXXX in XX/XX/year>, with financing through American Credit Acceptance ( ACA ). At the time of purchase, I was told that my total amount financed would be {$15000.00}. However, after reviewing my contract, I discovered that the total sales price was falsely listed as {$30000.00}, which I never agreed to. A {$15000.00} finance charge was added without my knowledge, and I was given a 28 % interest rate, which was never properly disclosed to me. Additionally, ACA previously claimed they had lost my contract, and only after months of inquiring did they suddenly find it, raising serious concerns about record-keeping and compliance. 

These actions violate multiple consumer protection laws and federal lending regulations, including : Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) Lenders must clearly disclose APR, total finance charges, and repayment terms before a contract is signed. My interest rate, total sales price, and finance charges were not fully disclosed, making the contract unlawful. 
Fraudulent Misrepresentation & Unfair Business Practices ( XXXX XXXX XXXX XXXX  ) I was misled into an agreement under fraudulent pretenses, and the lender and dealership knowingly submitted an invalid or incomplete financing agreement. 
Failure to Properly Execute the Contract ( XXXX. XXXX ) If the lender did not properly execute the contract or failed to provide a complete agreement at signing, it could be unenforceable due to a lack of mutual assent. 
Failure to Retain or Provide Contractual Documentation ACA admitted that they had lost my contract for several months, which is a violation of consumer protection laws and raises concerns about improper handling of financial records. Their sudden ability to find the contract after I inquired suggests possible document tampering or failure to maintain legally required records. 
Unlawful Down Payment Requirement I was led to believe that I had to provide a down payment, but the full financing terms were not properly disclosed, violating federal and state lending laws.

Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) If ACA has reported this loan to the credit bureaus with inaccurate or fraudulent terms, they may have violated my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
We originally took a VA loan with XXXXXXXX XXXX XXXX and it was sold to Freedom mortgage company without our consent. On XX/XX/year> our home was flooded by XXXX XXXXXXXX in XXXX XXXXXXXX XXXX 

Our first XXXX check to repair our home, came the end of XXXX from our insurance agent. Because the mortgage companys name has to be on the check next to mine, I had to call Freedom Mortgage, who I assumed would sign off on the check and let me pay my contractor. 

Freedom mortgage, whom I did not pick in the first place, requires they take your check and put it in an account and you have to beg, and I mean BEG to get any withdrawals which usually take XXXX to XXXX days, as they will tell you over and over. But first, you have to open your account on their website and add numerous documents, which are very hard to upload, and takes hours. 

It is XX/XX/XXXX and we still do not have our initial allowance check. Our contractor has quit work on our home because we cant pay them. This must be the way Freedom likes to treat XXXX 

Freedom Mortgages loss draft department website is so difficult to maneuver that one has to call them every time because they dont post anything regularly. 

I have a credit score of XXXX, have never been late on a payment to Freedom Mortgage, have never defaulted on a loan, have owned five houses, I do not need someone to babysit MY MONEY!! 

Ive now paid out {$750.00} in credit card fees because Ive had to use credit cards to pay what work has been done to date. 

Freedom Mortgage needs to be instructed how to handle good customers and told that this process is illegal!! They should at least be required to pay the {$750.00} in credit card fees plus the {$70.00} in overnight envelope labels, because theyre too cheap to send our check quickly. 

Our contractor is submitting for a XXXX XXXX check, so I have to go through this whole process again with Freedom. ( that name is a joke ). 

Thank you. Im upset, and sorry for gal I just spoke to at Freedom Mortgage who has to answer calls like me all day long and said everyone is upset!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint because I received a notice from Transworld Systems XXXX regarding a debt I allegedly owe. I have requested debt validation from the creditor, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), but they have failed to provide sufficient documentation to verify the debt. Specifically, I requested : Proof that I am legally obligated to pay the debt. 
The original creditor 's name and contact information. 
A breakdown of the debt, including any interest, fees, or additional charges. 
Documentation proving their authority to collect the debt. 
Despite my request, I have not received the necessary documentation to confirm the legitimacy of the debt, nor has the creditor provided a clear response. As a result, I believe this debt XXXX not be valid, and I am requesting that the CFPB investigate this matter and assist in ensuring that the creditor complies with debt validation requirements. 

I also request that the creditor cease all collection activities until they can provide proper validation, and that they remove any inaccurate reporting of this debt to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: KY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX ( {$1000.00} ) XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ( {$11000.00} ) XXXX. XXXX XXXX ACCT # XXXX ( {$6400.00} ) XXXX. XXXXXXXX XXXX XXXX  ACCT # XXXX ( {$1000.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX ( {$1000.00} ) XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ( {$11000.00} ) XXXX. XXXX XXXX ACCT # XXXX ( {$6400.00} ) XXXX. XXXXXXXX XXXX XXXX  ACCT # XXXX ( {$1000.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I'm reaching out to ask for some assistance with my student loan repayment plan. My problem is that my annual income recertification is on XX/XX/XXXX, however, there is no access to the forms on XXXX XXXX XXXX. I have not received any guidance from my servicer, Mohela. On XXXX, I waited on hold for XXXX ) hours unable to reach a CSR.I sent an email XX/XX/XXXX through Mohela 's Inbox with only an automated reply. I contacted XXXX XXXX XXXX and was informedthey have no additional information. I have been a public servant XXXX XXXX years and currently pursuing XXXX.I 'm reaching out because I truly do not know what to expect after XX/XX/XXXX and my XXXX anniversary passes without re-certifying my income. I have rushed out to my appointed congressman for help with this issue as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation