vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GA

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 XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX 2025XXXX XXXX XXXX 2025XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXX, Washington, D.C. XXXX RE : Identity Theft Dispute & Request to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute one or more accounts on my credit report that are the result of identity theft. My identity has been fraudulently used on three separate occasions, and I have recently discovered that student loans were taken out in my name without my knowledge or consent. 
These accounts were not authorized by me, and I did not initiate any such transactions. I am therefore requesting the immediate removal and blocking of these fraudulent accounts and related negative information from my credit file. 
Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, a consumer reporting agency is required to block reporting of any information identified by the consumer as resulting from identity theft, within four business days, upon receipt of : 1. Proof of the consumer 's identity 2. Identification of the fraudulent information 3. A statement from the consumer that the information is not related to any transaction they initiated 4. ( If applicable ) An Identity Theft Report or relevant supporting documentation This letter serves as my formal statement that the student loan ( s ) reported under my name are fraudulent and not related to any transaction I initiated. My identity has been compromised multiple times, and these unauthorized debts are causing significant financial and emotional harm. 
Please investigate this matter urgently and remove the false information from my credit report. I expect confirmation that this issue has been resolved within the timeframe required by law Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report resulting from identity theft. Specifically, accounts from XXXX XXXX and XXXX XXXX  were added to my credit file without my knowledge or authorization. I never applied for credit or services from these companies. 

I discovered these accounts while reviewing my credit report in XX/XX/year> and immediately submitted dispute letters under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which gives consumers the right to block identity theftrelated tradelines. 

I also requested documentation validating the legitimacy of the debts. As of today, no such documentation has been provided. These accounts are having a negative impact on my creditworthiness and ability to secure housing and financial services. 

I am requesting that these companies be required to verify the accounts or remove them entirely in accordance with 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 2025-06-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX was a XXXX XXXX XXXX XXXX  because of his XXXX orientation, belonging to the XXXX community. He was held against his will and XXXXXXXX XXXX for about XXXX yrs. his identity was fraudulent used and XXXX during this time causing damage to his personal credit profile. the accounts in question were XXXX XXXXXXXX acct for {$770.00} XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} this is a serious matter which an XXXX form was sent in and the bureaus still ignored making this a federal offense. These accounts must be removed immediately. 
move all XXXX missed payments with XXXX XXXXXXXX remove all XXXX missed payments with Selfinc/lead remove these accounts permanently.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX was a XXXX XXXX XXXX XXXX  because of his XXXX orientation, belonging to the XXXX community. He was held against his will and XXXXXXXX XXXX for about XXXX yrs. his identity was fraudulent used and XXXX during this time causing damage to his personal credit profile. the accounts in question were XXXX XXXXXXXX acct for {$770.00} XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} this is a serious matter which an XXXX form was sent in and the bureaus still ignored making this a federal offense. These accounts must be removed immediately. 
move all XXXX missed payments with XXXX XXXXXXXX remove all XXXX missed payments with Selfinc/lead remove these accounts permanently.

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 2025-06-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a that appears related to the aforementioned fraudulent accounts consist of collection accounts open between the years of XXXX including collection accounts XXXX XXXX {$520.00} Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX {$450.00} XXXX Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) 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 2025-06-18 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: AL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Please be advised that I, XXXX XXXX, am the individual who personally submitted the complaints in question and am actively managing and following up on the disputes concerning the information reported on my credit file. These submissions were made using my own name, contact details, and supporting documentation. At no point did I authorize any third party to submit a complaint on my behalf. I am fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws, and I am exercising those rights to ensure the accuracy and integrity of my credit report. It is important to me that my concerns are formally recognized and addressed, as I am taking direct action to correct any discrepancies or errors that may negatively impact my financial standing.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RAS LaVrar, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX RAS LaVrar , LLC, XXXX XXXX XXXX, XXXX PA XXXX # XXXX, XXXX XXXX XXXX, XXXX PA XXXX # XXXX, and XXXX XXXX XXXX PA XXXX XXXX XXXX are all involved in false claims and false reporting to the credit reporting agencies. XXXX and XXXX XXXX XXXX XXXX XXXX off the debt and kept reporting the debt as valid without issuing any 1099 forms. They sold the debt to a third party debt collector who is attemptimng to make a false claim by means of assumption, presumption, and usurpation of the XXXX XXXX XXXX XXXX XXXX XXXX. They filed a court case in the XXXX XXXX XXXX XXXX of XXXX XXXX with Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: COLLECTIONS USA, INC.
State: AR

Complaint narrative:
I have filed XXXX disputes with XXXX. I noticed a collection account that does not belong to me on my credit report in XX/XX/XXXX, as well as an address where I have never lived being added to my account as a result. I filed a dispute that same day. The collections was for a property rental in XXXX, AZ. It was also a joint rental with a person named XXXX XXXX. I explained that I have never lived in XXXX, AZ. And I am not married nor do I have any joint accounts. I have lived in AR since XXXX of XXXX. There is no way possible I could have lived in AZ over the past year while living in my home in AR, which I work from every single day. I have owned a home with a mortgage in AR since XX/XX/XXXX. I was married to XXXX XXXX XXXX, but have been divorced since XX/XX/XXXX. In addition, an address was added to my account They closed the dispute on XX/XX/XXXX. I re-filed the dispute then contacted Collections USA Inc. by telephone on XX/XX/XXXX. I gave the rep my birthdate, phone number, current address and social security number, none of which matched the person that they had in their system owing the debt. She said it would be reported to their billing department, who would report the information to both XXXX and XXXX, where this has been reported, when they were contacted in regards to the dispute and that the information should be removed. Also, their reporting this collection to the credit bureaus was in violation of the Fair Debt Collection Practices Act, since I was never notified of the debt in the first place. I just received another notification from XXXX  that the reinvestigation of the most current dispute is complete and that the collection will remain on my report. I want this incorrect information immediately removed from my report as it has become an obstacle for me financially. I have gone through the correct channels and they still refuse to remove the information even with proof that the debt does not belong to me. I would appreciate any assistance you can provide with getting this done as soon as possible. I have attached documents showing that I have lived in AR at least since XXXX as well as never having been married to an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
On XX/XX/XXXX, I entered into a lease agreement for a vehicle through Mercedes-Benz Financial Services . Throughout the lease term, I made multiple payments and maintained the agreement in good standing. On XX/XX/XXXX, the vehicle was repossessed without prior notice, despite the lease not being completed or terminated. 

I later received notice that a 1099-A form was filed, reporting an acquisition or abandonment of secured property for the amount of {$39000.00}. This generally indicates that the lender has taken ownership of the vehicle and potentially discharged the debt. However, I was then informed that I would be required to wire {$38000.00} in order to retrieve the vehiclenearly the full amount reported on the 1099-A. 

This raises serious concerns about potentially deceptive collection practices, as it appears the lender is attempting to collect payment after reporting the asset as acquired, which may be a form of double recovery. Additionally, I did not receive adequate documentation or accounting records justifying the repossession, nor was I notified of any outstanding default sufficient to warrant such action.

I am requesting a full investigation into the legality of this repossession and the related collection activity, as well as a full accounting of the balance, payment history, and the 1099-A filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: The Bureaus, Inc.
State: NY

Complaint narrative:
XXXX stated that the information that I was disputing was accurate and my request was denied. I've attempted to get the account removed from my credit report 4 times because the company that " purchased '' it is fraudulently listing an inaccurate date so they can still attempt to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Date Opened XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Why do this still REMAIN ON MY CREDIT REPORT IF its written as a charge off? I dont get it {$18000.00} was charged off leaving me with a balance of {$9000.00}! Those are estimates of the prices Im referring to above. 

This is the biggest debt barrier I have in my credit report and its not HELPING AT ALL. 

Im trying to start certain things for my business XXXX be opening up within next 7 years!

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 2025-06-18 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$56.00} XXXX, XXXX # XXXX XX/XX/XXXX -- {$7800.00}

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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  - Balance {$160000.00}

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 explanation
Consumer complaint received 2025-06-18 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: NM

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief