vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: DE

Complaint narrative:
XXXX  years ago I had an account with XXXX XXXX which I closed because I sold that home. XXXX XXXX had issued me a refund check for the deposit on the utility account when I first opened the account in XXXX of 2015. Approximately XXXX  years ago I received a call from Penn Credit Collections saying I owed a bill for XXXX XXXX. I explained that I did not and XXXX XXXX had issued me a refund check. The Penn rep said they would look into it. Then a few months later I recieved another call from Penn Credit and that rep said for me to call XXXX XXXX and ask them what my account Balance was. I did and XXXX XXXX stated that I had received a refund check and had a XXXX balance at the close of my account. I then reported that back to Penn Credit Collections who said they would note the account. I had not heard from them since. Today Penn Credit Collections contacted my mother via text message saying they were collecting a debt from XXXX XXXX addressed to me. Provided in text access code for the account. Never I repeat never has my mother been listed on any utility account with me. I have never given anyone permission to speak with anyone outside of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I am filing a complaint against Experian regarding their continued reporting of an outdated address that is no longer associated with any of my open accounts. 

I have already taken the following steps : 1. Updated my address directly with all relevant creditors and data furnishers, including XXXX XXXX. 
2. Froze all third-party consumer reporting agencies, including XXXX, XXXX, XXXX, and others. 
3. Verified that the furnishers have sent the correct updated address to Experian. 

Despite this, Experian continues to report the outdated address on my credit file, which is causing multiple issues : It is interfering with my ability to properly dispute inaccurate or unverifiable accounts. 
It continues to link past accounts and inquiries to an address that is no longer valid. 
It may be allowing third-party data to override current furnishers reporting.

This failure to update my address violates the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate and up-to-date consumer information.

I am requesting : Immediate removal of the outdated address from my Experian credit report. 
An investigation into why Experian continues to link this outdated address to my profile despite updated creditor information. 
Confirmation in writing once the address has been removed and my file reflects the corrected data. 

Thank you for your time and support. I am simply trying to ensure that my credit report reflects accurate personal identifying information so I can exercise my full rights under the FCRA Address : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL 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 2025-07-03 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I will send mail and email to Recovery Solutions Group. LLC Phone : XXXXXXXX  ' website XXXX XXXX XXXXXXXX email : XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX. 

Original Creditor XXXXXXXX XXXX XXXX the Total balance {$820.00}. 
XXXX XXXX broke their contract 3 years ago, because they could not keep the price as they promised. Now they want me to pay the balance since I did not receive any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-07-03 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 demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account. 

Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

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 2025-07-03 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-03 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: PA

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.

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 non-monetary relief
Consumer complaint received 2025-07-03 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: PA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Repeated Vehicle Failures and Unlawful Charges from Mercedes Benz ( XXXX : XXXX and XXXX ) Dear Sir or Madam, I am filing a formal complaint against Mercedes-Benz USA regarding two defective leased vehicles sold to me, both of which presented severe safety and reliability issues in violation of state lemon law protections. 
In XX/XX/XXXX, I entered into a lease agreement for a XXXX Mercedes-Benz XXXX XXXX XXXX XXXX  ( VIN : XXXX ). From the outset, the vehicle suffered from recurring mechanical failures. It required service visits on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The final incident on XX/XX/XXXX, involved a fuel pump failure that caused the vehicle to stall in traffic, placing me in a terrifying situation where another driver, enraged and armed, threatened me while I waited for a tow truck. 
Mercedes-Benz acknowledged the vehicle was inoperable and issued a replacement lease on XX/XX/XXXX VIN XXXX. However, this second vehicle also proved defective. Within XXXX weeks, it was back in the shop for service. Since then, it has required repairs on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, including another engine stall that posed a serious road safety threat. 
Despite my good faith efforts to resolve the matter, Mercedes-Benz , via their claims processor XXXX, is attempting to charge me {$12000.00} in negative equity, in addition to fees for Prepaid Maintenance and XXXX Assurance Protection, as part of their settlement offer. These charges are both inappropriate and unlawful under the principles of lemon law and consumer protection. 
Summary of Violations : 1. Multiple failed attempts to repair the same defect.

2. Life-threatening vehicle stalling incidents.

3. Improper charges not allowed under Lemon Law ( e.g., negative equity from the original lease ).

4. Failure to fully release me from lease obligations despite continued defects.

Request for Relief : Immediate release from the lease agreement without penalty. 
Refund of all payments made toward both defective vehicles. 
Full waiver of any negative equity or ancillary product charges. 
Any civil penalties deemed appropriate by your office against Mercedes-Benz USA and/or XXXX. 
I have already filed a complaint with the XXXX ( ID Number : XXXX ). I am now requesting formal intervention and enforcement through your office. The attached documentation includes service invoices and a repair history supporting this claim. 
Thank you for your attention to this urgent matter. I welcome the opportunity to provide additional evidence or testimony as needed. 
Sincerely, XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date XX/XX/XXXX Re : Breach of Contract Dear XXXX XXXX XXXX, This letter is served upon due to your breach of the Lease Agreement ( Agreement ) that was signed on XX/XX/XXXX. 
You freely agreed and signed a valid contract which was breached or violated by : The original agreement between myself and the company was formally terminated through a Cease and Desist notice, which was issued due to breaches of the original contract terms on their end. Despite the agreement being effectively voided, the company continued to charge me additional fees or a balance that was never disclosed or agreed upon in the initial contract. These charges were made after the Cease and Desist, and no updated agreement or formal communication was provided to justify or authorize these amounts. 
As a result, a balance that I did not consent to or have knowledge of has now been improperly reported on my credit, which I believe to be both inaccurate and unfair. This reporting does not reflect the original terms of the contract, nor does it acknowledge the official termination that occurred. I am seeking immediate correction of this credit reporting and removal of the unauthorized balance from my records. 
If you do not cease the aforementioned breach or violation a lawsuit will be commenced against you. 
We will immediately seek a temporary restraining order in XXXX XXXX against you and any accomplices in this matter. We will also bring a cause of action for breach of contract and tortious interference with contract against you seeking monetary damages to be proved at trial. Hopefully, this recourse is not necessary, we have our own interests to protect and will vigorously do so. 
You will not receive another warning letter. If you do not confirm in writing by XX/XX/XXXX that you will cease violating our Agreement a lawsuit will be commenced immediately. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 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: MI

Complaint narrative:
I am writing to formally report the unauthorized opening of credit card accounts under my name and request immediate action for their removal. This incident has caused significant distress, and I wish to protect myself from further fraudulent activity while rectifying the errors on my credit report. Under the code 15. U.S.C 1692 ( c ) please remove these accounts. believe my personal information was misused without my consent to open these accounts XXXX account number XXXX opened on XX/XX/scrub>XXXX XXXX XXXX XXXX  account number XXXX opened on XX/XX/year>XXXX XXXX XXXX XXXX XXXX account number XXXX opened on XX/XX/year>. and credit card XXXX XXXXXXXX ( unknown opened date or account number ). These unauthorized credit card accounts have created financial complications and unnecessary stress. I am concerned about the potential for further fraudulent activity if these accounts are not removed and my personal information is not secured. Also there are so many hard inquiries on my report that i have no knowledge of.

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