vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I was sold a car with alot of issues that were misrepresented and Conditions concealed at the time of sale. Just found out that This car front had Bad front suspension struts and low coolant level just few weeks after purchase. This car was Sent it in for service XXXX times over the past month for the same issues. The car estimated sale price was not fair for these conditions. I was also Mislead and sold an inactive or Fraudulent non existent service contract for XXXX $ on top of car inflated price on XX/XX/year>. The car is now held XXXX at XXXX XXXX XXXX dealership for unrecovered repair costs. XXXX Sales reps were contacted multiple times over the past few weeks for a resolution. No help offered to repossess the car for a replacement car on a new contract or cover the cost of repairs. I have paper work and Correspondence records to support this. Sales and Service reps were contacted in person and thru emails and were not responsive. Kept diverting conversations to different departments and avoiding questions or ignoring my requests all together. The dealership are holding on the keys for a service claim rejected by their same company while my XXXX  payment is due this Friday. Contacted Customer Service, Sales and Service departments and they all have no clue on how to fix this. Suing XXXX for Fraud and misrepresentation. Misleading contract that cost my old car equity and XXXX $ down payment and additional Monetary loss of using a loaner car for the past XXXX weeks. Case would be dismissed If XXXX Seeks a peaceful resolution. Also seeking relief for any late interest charges or threats of collections under FDCPA.

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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sirs, I am writing to you pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the following information in my credit report. After reviewing my credit report, I have identified the following accounts that I believe are reporting incorrect or incomplete information : Account Number 1 : XXXX Account Number 2 : XXXX Account Number 3 : XXXX In accordance with the FCRA, I request that you investigate this dispute and remove the incorrect information from my credit report. Additionally, I remind you that if you can not validate or verify these debts, you must remove them from my credit report within the 30-day period established by law.

I request that you send me a written response with the results of your investigation once you have completed the dispute process. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: AZ

Complaint narrative:
Subject : URGENT DISPUTE FRAUDULENT ACCOUNTS DUE TO XXXX SECURITY BREACH Dear Experian Dispute Department, I am writing to formally dispute the following accounts on my Experian credit report, which were fraudulently added due to the XXXX security breach. I recently learned that my Experian credit report was compromised in that breach, and I demand immediate action to remove these accounts. My Engagement Number is : XXXX. 

The fraudulent accounts are as follows : XXXX. XXXX Acct. No. : XXXX XXXX. XXXX XXXX Acct. No. : XXXX XXXX. XXXX XXXX XXXX Acct. No. : XXXX XXXX. XXXX XXXX XXXX Acct. No. : XXXX These accounts do not belong to me and were the result of identity theft stemming from the XXXX data breach. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of these accounts. Since these accounts were opened fraudulently, I demand their permanent deletion from my credit file.

Additionally, under 31 U.S.C. 5118, any obligation requiring payment in credit is unlawful unless agreed upon in lawful money. As these accounts were fraudulently placed and do not constitute a valid agreement, they must be removed immediately.

If Experian fails to comply, I will have no choice but to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FCRA and any other applicable consumer protection laws. 

I request a written confirmation that these accounts have been deleted from my credit file. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Haven't given anyone my consent to access my account information, unrecognize and unauthorized inquires on my credit report

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  account XXXX, XXXXXXXX XXXX account XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX account XXXX, XXXX account XXXXXXXX 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 
stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate

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: NY

Complaint narrative:
This account was charged off on the following date XXXX Since then, this account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include a payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX

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: NY

Complaint narrative:
This account was charged off on the following date XXXX Since then, this account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include a payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federated Student Loan Services
State: IL

Complaint narrative:
I am writing to formally request the discharge of my federal student loans under the Borrower Defense to Repayment provision due to the closure and merger of XXXXXXXX XXXX XXXX XXXXXXXX and the unethical loan practices employed by the institution. 

XXXXXXXX XXXX XXXX XXXXXXXX, the institution I attended, no longer exists as an independent entity as it merged with XXXX XXXX. As a result of this closure and transition, students like myself have been left without the institution we originally enrolled in, affecting our ability to continue or complete our education under the same conditions. I attended the school from XXXX due to no longer being able to receive any loans from the school. 

Furthermore, I and other students were subjected to coercive practices by the financial aid office at XXXX XXXX XXXX XXXX. We were threatened with being banned from campus and unable to attend classes unless we signed up for student loans. This undue pressure left many students with no alternative but to take on loans they did not fully understand or voluntarily agree to. Such tactics are both unethical and a violation of students rights. 

Given these circumstances, I believe I am eligible for a full discharge of my federal student loans. I request a thorough review of my case and appropriate relief from the financial burden caused by these deceptive practices. 

I attended at the time my name was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am filing this complaint against EXPERIAN, TRANSUNION and EQUIFAX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to provide the Method of Verification ( MOV ) after verifying a disputed account on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be properly verified, it must be immediately deleted from my credit report. Since the credit bureau has failed to verify the disputed item properly, I request the CFPB to investigate this matter and ensure compliance with the FCRA.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I have reached out to this company to have them remove this inaccurate information from my consumer report and they have not causing my scores to be affected. Please help me.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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: IL

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: IL

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 non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Summary of Complaint : I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to comply with my Method of Verification ( MOV ) request, their continued reporting of unverifiable information, and their willful and negligent noncompliance with federal law.

Issue Details : 1. Failure to Provide Method of Verification ( MOV ) ( FCRA XXXX ( a ) ( XXXX ) ) On XX/XX/XXXX, I sent a certified letter to TransUnion formally requesting the Method of Verification ( MOV ) for the following disputed account : XXXX XXXX XXXX  TransUnion received this request on XX/XX/XXXX, as confirmed by my return receipt. 

Under FCRA 611 ( a ) ( 7 ), TransUnion was legally required to provide me with a written response within 15 days, detailing the method used to verify the disputed account.

However, TransUnion failed to provide any meaningful response and instead issued a generic letter stating that the account was verifiedwithout disclosing any actual method of verification, supporting documentation, or evidence that the creditor was contacted. 

2. Continued Reporting of Unverified Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Since TransUnion failed to verify the accuracy of this account within the required timeframe, they are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the information immediately.

Instead, they continue to report this unverifiable account, violating my rights as a consumer.

3. Willful and Negligent Noncompliance ( FCRA 616 & 617 ) TransUnions failure to investigate and properly verify the disputed account has caused direct financial harm, preventing me from securing personal and business financing.

Their negligence has resulted in financial loss, increased costs of borrowing, and significant emotional distress. 
Steps Taken to Resolve This Issue : XX/XX/XXXX : Sent a Method of Verification request to TransUnion. 
XX/XX/XXXX : Request received by TransUnion ( confirmed via return receipt ). 
XX/XX/XXXX : Sent Final Demand Letter requiring compliance. 
XX/XX/XXXX : No sufficient response received. TransUnion remains in violation of the FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute fraudulent accounts and hard inquiries on my credit report that I did not authorize. Despite submitting an FTC Identity Theft Affidavit and requesting removal, the accounts were verified without proper investigation. The disputed accounts include a Credit Card with 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 ). These accounts were opened due to identity theft, and under FCRA 611, I request a thorough reinvestigation and removal of these inaccurate entries from 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 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 — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I attached files from XXXX and XXXX, XXXX has XXXX accounts that they are saying is not paid after contacting them but transition says that my balance are paid off and this is affecting my credit score

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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 response to consumer: Closed with non-monetary relief