vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received notification from XXXX that Capital One obtained my credit report in what was deemed a fraudulent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-03-21 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:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be BLOCKED from my credit profile once a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are PROHIBITED from reporting information they know or have reason to believe is inaccurate. XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX  ACCOUNT XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, ALL ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU, DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY, CEASE ANY FUTURE REPORTING OF THIS INFO TO ALL CREDIT BUREAUS, AND PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER. FTC COMPLAINT # 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 2025-03-21 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: NY

Complaint narrative:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be BLOCKED from my credit profile once a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are PROHIBITED from reporting information they know or have reason to believe is inaccurate. XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX  ACCOUNT XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, ALL ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU, DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY, CEASE ANY FUTURE REPORTING OF THIS INFO TO ALL CREDIT BUREAUS, AND PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER. FTC COMPLAINT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: LA

Complaint narrative:
Credit Karma and a few other sites promised a personal loan then I would get redirected to different sites after they said they found a lender. This kept going in and on until I stop filing the applications out. Over 20 company 's now have my info and I still have not gotten approved for a loan just redirected to different sites promising the same thing XX/XX/year> - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ XXXX XXXX ] regarding an account I have with them, [ Account XXXX XXXX ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : PORTFOLIO RC Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RC, buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} Dispute Issue : This account is reported as a collection/charge-off, but I do not recognize it. Please provide full verification or remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Account Number : XXXX Balance : {$0.00} ( Charge-Off ) Dispute Issue : This account was previously disputed, and the resolution remains unclear. Please provide detailed verification or correct any inaccuracies. 
3. 
XXXX PERSONAL LOAN Account Number : XXXX Balance : {$12000.00} ( Charge-Off ) Dispute Issue : This account reflects a charge-off with inconsistencies in reported payment history. 
Please investigate and validate all reported details or remove it. 
XXXX. 
XXXX  XXXX XXXX Account Number : XXXX Balance : {$11000.00} ( Charge-Off ) Dispute Issue : The account contains contradictory remarks regarding its charge-off status. Please verify its accuracy or correct any errors. 
XXXX. 
XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Closed ) Dispute Issue : This mortgage account contains late payment notations that appear incorrect. 
Please validate the accuracy of these records or remove any erroneous data.

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 2025-03-21 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: FL

Complaint narrative:
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} Dispute Issue : This account is reported as a collection/charge-off, but I do not recognize it. Please provide full verification or remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Account Number : XXXX Balance : {$0.00} ( Charge-Off ) Dispute Issue : This account was previously disputed, and the resolution remains unclear. Please provide detailed verification or correct any inaccuracies. 
3. 
XXXX PERSONAL LOAN Account Number : XXXX Balance : {$12000.00} ( Charge-Off ) Dispute Issue : This account reflects a charge-off with inconsistencies in reported payment history. 
Please investigate and validate all reported details or remove it. 
XXXX. 
XXXX  XXXX XXXX Account Number : XXXX Balance : {$11000.00} ( Charge-Off ) Dispute Issue : The account contains contradictory remarks regarding its charge-off status. Please verify its accuracy or correct any errors. 
XXXX. 
XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Closed ) Dispute Issue : This mortgage account contains late payment notations that appear incorrect. 
Please validate the accuracy of these records or remove any erroneous data.

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 2025-03-21 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX has recently reported millions of Americans as 90 days late on our credit reports damaged my score. 

I was unaware that nelnet even had my loans, this was not who I set them up with. When contacted they didnt have my correct, email, or phone number. They said they contact us via email, how would I have ever gotten notice is no correct email or phone number and they dont try via mail. 

I immediately paid the account and caught it up. 

But if they report it 90 days late what about the 30 and 60 days that are not reported. Thats inaccurate reporting and therefore our credit record is incorrect and by law needs fixed. This should be illegal how the government has handled this situation

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 2025-03-21 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: MA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet has recently reported XXXX  of Americans as 90 days late on our credit reports damaged my score. 

I was unaware that nelnet even had my loans, this was not who I set them up with. When contacted they didnt have my correct, email, or phone number. They said they contact us via email, how would I have ever gotten notice is no correct email or phone number and they dont try via mail. 

I immediately paid the account and caught it up. 

But if they report it 90 days late what about the 30 and 60 days that are not reported. Thats inaccurate reporting and therefore our credit record is incorrect and by law needs fixed. This should be illegal how the government has handled this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$5700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$2300.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$5100.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$2600.00}

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 non-monetary relief
Consumer complaint received 2025-03-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I have student loan reported on my credit report that is not mine. I have never been to school or taken out a student loan. It says Dept ed/aidv first reported in XXXX at {$4500.00} a made a police report and report to credit bureaus and they would not remove the dept is now at {$9500.00}. I call the number on the credit report to talk with them but they want my social security number because I cant provide an account number since it is not me. Can you help me get this resolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: KY

Complaint narrative:
I am filing a complaint against Mercedes-Benz Financial Services for ongoing criminal harassment, financial coercion, and fraudulent conduct.

Despite having a valid loan agreement in place, Mercedes-Benz Financialand specifically their program advisor, XXXX XXXX , who can be reached at XXXX ext. XXXX has continued to falsely treat me as a leaseholder in default. After they delayed the buyout process for over five months, I finally signed a loan agreement and subsequently made three full loan payments. Despite this, they have refused to honor the agreement.

Instead, they began pressuring me to file a new loan application with a different interest rate. When I refusedbecause my credit had already been negatively impacted by multiple loan application pullsthey escalated into deliberate harassment. This included sending me a false lease-end default letter, and threatening to damage my credit and repossess my vehicle under an expired lease, all while I was fully compliant with the signed loan contract.

I was forced to hire legal counsel at my own expense to protect myself from their unlawful conduct. They have refused to issue my title as required under state law, and have completely ignored my formal demands to correct their records and acknowledge the loan I signed.

These actions constitute harassment, breach of contract, fraudulent misrepresentation, and serious violations of state and federal consumer protection laws.

I respectfully request that your office conduct a full investigation into Mercedes-Benz Financials conduct, including their systemic abuse of consumers, financial misconduct, and possible criminal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 )
states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief