vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a collection account on my credit report that I am certain I never incurred. After carefully reviewing my financial records, I have found no agreement, communication, or transaction that would justify this collection being associated with me. I have also never been contacted regarding this alleged debt, which raises serious concerns about its validity and accuracy.

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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 disputing a collection account that does not belong to me and should never have been listed under my credit report. I have never entered into any agreement or financial obligation with the company that is reporting this collection, and I believe this to be a clear case of misattribution.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
This complaint is against Stenger & Stenger P.C.

Received court order regarding debt owed in XXXX. Immediately reached out to Stenger & Stenger to pay the debt. I thought invaded already been paid through a debt reconciliation company. Explained the situation and gave them my debit card number. Was told everything was taken care of. Called back the following week before the court date to ensure everything was taken care of and told yes. I never heard anything else from Stenger & Stenger until I received a garnishment notice my from employer on XX/XX/XXXX. Again, Immediately called Stenger & Stenger and was told payment did not go through due to amount being over limit for single transaction on my card. Asked why I was never notified of this and not given an answer. At this point they tried to add an additional {$300.00} fee interest owed. After speaking with numerous people and them reviewing my record they agreed to removing that fee. Gave them my debit card again and called the bank to allow the charge. They waited several days to run my card, by which the over limit approval had expired. Again, no contact regarding this from Stenger & Stenger. I found out when I contacted my employer asking if they had received the garnishment release. Again called S & S and this time paid by electronic check. Was told they would close my account and send garnishment release- this was on XX/XX/year>. I asked about when the amount garnished would be refunded and told within 1 to 2 weeks. Was notified by my employer again today that this check was also garnished and no release has been received as of XXXX. Again, I called S & S and was told the release was " in process '' ans should be released today, but he would escalate it. Again, asked about the 2 garnishment and when that be refunded and was told it could take up to 90 days and would come from my employer. Previous S & S employee told me they would mail a check. I have been trying to take care of this dept since XXXX. I have not been garnished twice for a debt that has been paid in full. I would like to file a complaint against Stenger & Stenger and know if I have any legal recourse against them. Thank you

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

Complaint narrative:
I want to emphasize that this complaint is valid. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are having a significant negative impact on my life.

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: EQUIFAX, INC.
State: AR

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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint against these three debt collection companies, PORTFOLIO RECOVERY ASSOCIATE, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX  for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation of an alleged debt after my written request, and continue to report the debt to credit bureaus despite a cease and desist letter. These actions have caused significant financial and emotional harm, and I seek your assistance in addressing these violations. 

On XX/XX/year>, I sent a written request to all 3 companies for validation of an alleged debt, as permitted under FDCPA ( 15 U.S.C. 1692g ). This request required the collector to cease collection activities and provide documentation verifying the debt amount and the original creditor within 30 days. To date, none of these companies has provided the requested validation.

Additionally, I sent a cease and desist letter, stating I will not pay, and demanding that all collection activities stop, as required under FDCPA ( 15 U.S.C. 1692c ( c ) ). Despite this, all three companies have continued to report the disputed debt to credit bureaus, including XXXX. 
XXXX  and XXXX, for an extended period, which I estimate to be at least 8 months from now. This ongoing reporting has damaged my credit score and caused me considerable stress and financial hardship.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: AR

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint. The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
* * To Whom It May Concern, * * I am writing to file a formal complaint against * * Mercedes-Benz Financial Services ( MBFS ) * * in regard to their handling of my auto loan account and the impact it has had on my credit report.

I financed a Mercedes-Benz vehicle through MBFS and enrolled in * * auto pay * * through their online portal. However, the system consistently failed to process my payments, and I was inexplicably * * locked out of the online payment platform * *. Despite numerous phone calls and assurances from MBFS representatives that my access had been restored and there were no issues on their end, I remained unable to make payments through their portal. 

Due to this continued issue, I resorted to using * * XXXX XXXX XXXX XXXX XXXX * * to ensure timely payments. I began using this method around * * XX/XX/XXXX * *, setting up automatic payments for the full monthly amount. Unbeknownst to me, MBFS had applied * * late fees of \ {$40.00} * * for XXXX slightly delayed payments early in this transition, and I was * * never notified * * neither by mail nor electronicallyof any issues. 

Only after discovering * * negative marks on my credit report * *, which caused a * * XXXX drop in my score * *, did I reach out again. It was then revealed that * * MBFS had the wrong mailing address on file * *, despite having had multiple conversations with them previously. The address was only corrected in * * XX/XX/XXXX * *, and until then, I had not received a single paper notification or late notice. 

I have a * * consistent 100 % on-time payment history * * prior to this isolated issue, which was entirely caused by MBFSs system failures and internal mismanagementnot by any neglect on my part. I have made multiple requests to have the negative credit reporting * * removed * * or * * amended * *, and Ive been told theres nothing MBFS can do, despite the clear systemic failures on their part. 

This situation has caused unnecessary damage to my credit over * * \ {$80.00} in late fees * * I was never made aware of and was not given a fair opportunity to correct due to MBFSs lack of access, miscommunication, and failure to properly notify me. 

I respectfully request the * * removal of the negative credit reporting * * from my record and the opportunity to restore the accurate and fair representation of my credit history. I am willing to continue using MBFSs portal if access is restored, as I have requested * * five times or more * * with no resolution. 

Thank you for your time and attention to this matter.

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

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 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: Experian Information Solutions Inc.
State: NJ

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Disputed Rent Debt FCRA and FDCPA Violation ( 15 U.S. Code 1681e ( b ) & 1692e ) : I am disputing the accuracy and validity of the rent debt being reported on my credit file. I have not received any proper documentation or verification proving that I owe this amount. Reporting unverified or inaccurate rental debt is misleading and violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I demand a full investigation and removal of this item if it can not be properly validated.

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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief