vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK
State: CO

Complaint narrative:
I financed a car for my daughter in XXXX. In XXXX, the original lender XXXX XXXX Bank XXXX sold the note to Westlake Financial Portfolio. The car I purchased is a XXXX XXXX XXXX XXXX. My daughter was responsible for all payments. However, soon after delivering the car to her, she consistently became late with her payments. 

I would like to stress that I know I am responsible for the debt and not in anyway trying to get out of the debt. 

Around XX/XX/XXXX, my daughter needed to leave the car with her mechanic, namely XXXX XXXX XXXX Repair located at XXXX XXXX XXXX, XXXX, OH. 
On XX/XX/XXXX, the mechanic went home for the weekend and when he returned on Monday, the car was gone. He didn't know anything about who took or why. My daughter and I had a 3 way call with the company 's representative. She told us the name of the tow company they used is ( XXXX - XXXX XXXX XXXX. I have tried to reach XXXX numerous times and left messages for them. They do not return calls or answer the phone. After numerous calls to them and being told that they did not have the vehicle and that I should be helping them find the car, the representative said I needed to call the police, which I did. 

I was told by XXXX Police Department that the vehicle was repossessed on XX/XX/XXXX and the name of the company was XXXX. Since then, I have contacted them to let them know this information, but they continue to deflect the information I provide for them by demanding payment. I asked them if they were still charging interest on the debt and I was told yes and it would continue to do so, until they got the car back. 

I have received no other documentation from them, even though the law states that they must provide me an accounting 5 days after the repossession. My daughter just sent me a letter they sent to her threatening once again to repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  EST, I received a phone call from a No Caller ID number. The caller identified herself as a state compliance person and stated that I needed to correct my address because someone was coming to serve me papers for claim XXXX. She refused to provide any further information and instructed me to contact XXXX. 

Immediately after, at XXXX XXXX  EST, I called XXXX and spoke with XXXX XXXX at XXXX. XXXX stated that the claim was related to Acima and alleged that I was being sued for breach of contract in the amount of {$10000.00}, but that I could settle for {$7800.00}. 

When I explained that I could not afford that amount and asked about a payment plan, she told me that if I did not settle, my Social Security number would be red flagged for 710 years and that it would appear on my credit report, preventing me from obtaining any type of loan, student loan, home loan, or auto loan. 

I asked her to send me written verification of the debtincluding the total amount owed, the original creditor, and when it was incurred. She refused, stating she could not provide any documentation because the account was in proceedings and that if I hung up, the offer would no longer be valid as they could move it to the courts at any time. 

Additionally, I have never received any communicationby email, phone, or mailfrom XXXX or Acima about this alleged debt prior to this phone call. This was the first and only contact made to me regarding this matter. 

I believe these actions constitute harassment, misrepresentation, and a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires written validation of a debt and prohibits false, threatening, or misleading statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 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 am disputing the following charged-off accounts with Experian, as they may contain inaccuracies : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$27000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$490.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$150.00} I kindly request that you verify these accounts and remove any unverified items as required by the FCRA. 

I am also disputing the following inquiries on my Experian report : XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX  XXXX XXXX Date XXXX XXXX The late payment on my Experian report that I am disputing is : XXXX XXXX XXXX, Account Number : 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 2025-11-05 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: FL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2025-11-05 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to formally dispute the denial of my car loan application for a second vehicle, submitted on XX/XX/year>. I Mercedes Benz credit submitted through Mercedes Benz of XXXX. I intend to purchase this vehicle online, and based on my financial standing, I believe I meet the necessary qualifications. 

My debt-to-income ratio is below 5 %, which should independently qualify me for the loan. The reasons provided for the denial appear to be inconsistent with my financial practices and credit history. Specifically, the assertion regarding limited credit availability on bank cards is due to my deliberate choice to minimize credit card usage, paying off balances promptly to maintain fiscal discipline and avoid unnecessary debt. Similarly, the claim about a high proportion of balance to credit limits on revolving credit accounts is a direct consequence of having very few credit cards with intentionally low limits, a strategy I employ for budgeting purposes. Furthermore, the statement about a high proportion of loan balances to loan amounts is inaccurate, as most of my cards are either nearly paid off or fully paid. My only outstanding loan, for a Mercedes-Benz , is consistently paid on time each month. Finally, the assertion that only two accounts are currently paid as agreed is false ; my payment history is exceptionally strong, with 99 % to 100 % of payments made on time. 

Given my annual six-figure salary and excellent payment history, I assert that the reasons provided for the denial are not factual and may constitute discriminatory practices. I was asked to provide a co-signer, which I believe is unwarranted given my financial stability. I this also is also Gender discrimination. I maintain that the denial of credit, despite my clear ability to repay, is unlawful. 
Had I opted to pay cash for this transaction I was informed the vehicle had been sold. I have all documentation in writing. This led me to believe that there was some sort of bait and switch, but they use denial of credit when I try to purchase this Vehicle online that same day. 
This is an appalling practice,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
This account has been fully paid, yet it continues to show late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 hold no affiliation with these accounts ; remove them within 15 days pursuant to USC 1681g.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing the accuracy of this account 's status. I had a Nordstrom/TD Bank credit card that was opened on XX/XX/XXXX. the account shows as 'closed ' as of XX/XX/XXXX, but it is still reporting as a 'revolving charge-off. ' once an account is closed, it should no longer be reported as revolving. please review and update or delete any inaccurate or inconsistent information. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This account is fraudulent and I want these removed from my credit report immediately XXXX XXXX * * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This account is fraudulent and I want these removed from my credit report immediately 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 2025-11-05 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:
Can you double-check this listing? It came in late and could be mistaken.

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 2025-11-05 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: AR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute regarding certain accounts on my credit report to all three major credit bureaus ( Equifax  and TransUnion ). As of today, I have not received any verification, response, or results of an investigation from any of the bureaus. Since no verification has been provided within the required timeframe, I am formally requesting that these disputed accounts be deleted from my credit reports in accordance with the Fair Credit Reporting Act ( 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Received email from My Fortiva Credit Card stating I should receive my {$920.00} refund in 3-5 business days from XXXX. No refund by XXXX ( 5 business days ). I again contacted them twice, first person told me I should already have it and to check my bank account. I told her its not my bank, I checked. She then said to wait another 7-10 days and I told her that's not what the email said. The second person said to wait at least 10-20 more days, should be here by XX/XX/XXXX. I told her the cycle is starting over and I guess the email didn't mean anything because I've been waiting since XX/XX/year> and its now XX/XX/XXXX, still no refund and this what I've been told every time I call. different dates and they are processing. so I guess that email to me stating 3-5 business days didn't mean anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I AM THE PLANTIFF CURRENTLY SUEING ELLEVATE OF XXXX XXXX, THIS ENTIRE BALANCE IS INCORRECT, THE ACCOUNT WAS INCORRECTLY SENT TO AN COLLECTION AGENCY. THIS ALL PART OF A LGAL MATTER, THIS IS ALL WRONG.

Company response to consumer: Closed with explanation