vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
As of XX/XX/year>, our car has been deemed undrivable or totaled. As a result, XXXX XXXX hired XXXX to handle the claim. However, the vehicle has not yet been paid off. I am still receiving payment requests for the vehicle despite Mercedes-Benz and XXXX, although confirmation between them stated that it was undrivable. 

Due to the outstanding balance, the car remains on my credit report, preventing me from purchasing another vehicle. The total amount due from XXXX XXXX XXXX Mercedes-Benz Financial Services is {$24000.00}. Initially, a payment of {$3900.00} was made when they believed the car could be repaired. They are willing to pay {$20000.00} ( we agreed on {$24000.00}, not {$20000.00} ), which we have decided to do. Claim center calls are recorded. 

However, they have yet to clear this balance from my credit report, preventing me from purchasing a used or new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Closed XXXX  XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$60.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$190.00} Date Opened : XX/XX/XXXX XXXX  XXXX {$210.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date XXXX : XX/XX/XXXX Collection XXXX XXXX XXXX {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-17 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
I set up biweekly payments in XXXX and picked my dates as the form says it never drafted in XXXX I was current in XXXX I was planning on making XXXX split payments in XXXX as the lady from customer service has explained but now XXXX didn't draft and am now late not by my fault as dates I had set up money was available and still is but US BANK won't take the split payment as now it says I am in default. MOST of ALL the people set to help me are very rude and snotty for how much I pay for this company I should be treated as a valued customer not a scab like I was.

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 2025-03-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Hard Inquieres : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
My info has been leaked in a data breach from XXXX, and I would like to remove fraud inquiries on my consumer report. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX  card inquiry on XX/XX/XXXX reminder these are INQUIRIES. PLEASE REMOVE THEM THEY ARE FRAUDULENT 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 2025-03-17 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: CA

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter disputing information. They sent me a letter that didnt. They said it. They didnt think it was me. It was me when I tried to call. It wouldnt put me through to anybody.

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 2025-03-17 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: NJ

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A loan was applied for in my name that I never applied for ; I have been trying to challenge the loan with great difficulty, and now a debt collector is taking me to court to try and attain payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A loan was applied for in my name that I never applied for ; I have been trying to challenge the loan with great difficulty, and now a debt collector is taking me to court to try and attain payment of this loan.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A loan was applied for in my name that I never applied for ; I have been trying to challenge the loan with great difficulty, and now a debt collector is taking me to court to try and attain payment of this loan.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-17 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: Experian Information Solutions Inc.
State: MI

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I want them to remove all the stuff from my XXXX credit report because theyre not complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I have attempted to dispute an account multiple times which is being reported on my credit reports by this company. The company is reporting inaccurate/mismatched data across all three credit reports about an alleged debt they claim i owe them. They failed to send proper validation previously when it was requested in writing, and only after numerous complaints and disputes did they send any documentation. This documentation they sent was miscellaneous, not sequential billing statements from a different company, and missing months along with a bill of sale for hundreds of accounts claiming the account they claim i owe was within the stack somewhere on a spread sheet, and did not provide the PURCHASE AGREEMENT which is needed to validate that they in fact have a legal right to collect on the alleged debt they claim I owe. 
Furthermore, they are reporting mismatched data across all 3 credit reports to include different dates of first delinquency re-aging the alleged debt. Additionally, in a previous response they stated they allegedly purchased the debt in XXXX of 2020, however in another response they listed in their CFPB response that they purchased they alleged debt in XXXX in 2020 providing different dates. Also, the amount they list on my credit reports is different than the amount they stated within their own CFPB responses. 

They are purposes and fraudulently reporting inaccurate importation, as well as responding with different dates in their own responses on the CFPB website for an alleged debt I do not owe them and that they can't properly validate and verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

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 2025-03-17 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: PA

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 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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: TX

Complaint narrative:
I am filing a complaint regarding a loan I held with Pioneer Military Loans, which was known for targeting service members with high-interest loans. I obtained the loan while on XXXX XXXX at an interest rate of 26 %, which violates the 6 % cap established under Ohio Revised Code 1343.031.

Despite being legally entitled to a reduced interest rate during my XXXX XXXX period, the lender failed to adjust the rate. I have since paid off the loan, but I am requesting a recalculation and refund of the excess interest paid during the life of the loan. 

I am seeking CFPBs assistance in identifying the current holder of the loan records or the successor entity responsible for resolving this issue. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

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 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 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
The debt collector stated on XX/XX/year> I was seen in the XXXX  and the provider network billed me ( not the insurance company ) for my visit. However, there is XXXX balance on my XXXX  account, and I see where XXXX providers billed me for the stated date and XXXX paid the stated claim and shows I owe XXXX as the patient. There is no evidence of this bill in my medical chart. How am I suppose to pay a bill I never received, and when it shows the insurance was billed for the services rendered on the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief