vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I have been attempting to resolve this issue with Credit Acceptance and their third party lending company for at least a year. I have never own a truck in my life. The account is stating a repossession status for an XXXX truck. Again I have never owned a truck. I disputed this again through a credit repair company with letters on XX/XX/year> and have yet to receive any final correspondence pertaining to the status of my dispute. 

Please see emails attached of the last correspondence received from the company on XX/XX/XXXX. The 30 day time frame was XX/XX/scrub>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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
Over the last 6 months a company called credit corp solutions has been trying to collect on a bill. I gave them my address of XXXX XXXX XXXX XXXX tn XXXX. They sent it to my in-laws home 2 counties over. Twice. Once in XXXX and once in XXXX. When I called them upset they threatened litigation. A clear FDCPA and UDAAP violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX, XXXX, MI XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 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 2025-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Makes Cents, Inc. dba Advance.Cash
State: PA

Complaint narrative:
I have paid {$1000.00} on a {$1200.00} loan. Advance.Cash has me set up for payments of {$260.00} biweekly until XX/XX/2025, that will result in me paying almost {$6000.00}. I called to request a civil settlement as I am experiencing hardship and am receiving a small refund check. I offered {$150.00} in settlement and said I was willing to negotiate. The first two times I called Advance.Cash was unwilling to negotiate and said they don't offer settlements. After informing them of my complaint to CFPB and PA AG, they sent me to their management team who informed they do offer settlements, however would not settle my account as I wasn't qualified. They refused to disclose settlement qualifications with me. Theyre implementing predatory practices and interest rates to take advantage and refuse to disclose information. They have only been applying {$9.00} every 2 weeks to my principal and have already make over {$1000.00} in interest alone.

Their online payment portal website also does not disclose interest rates or certain payment information to purposely be misleading. This company hopes people will pay absurd amounts before realizing their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
The credit bureau shows ninety ( 90 ) days past due late payment status of {$350.00} with a reporting date of ( 2 ) different days : XX/XX/year>2025 and XX/XX/scrub>/2025 with Ed Financial. I have been current with my account with this institution. I have maintained my current payment status with this institution. I have contacted the company several times and it was stated that I was in current status with them ; however, my account with the credit bureau still shows " late 90 days past due '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXXXXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-05-13 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: NY

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX failed to address a lawful request under the Fair Credit Reporting Act. My account was charged off and is reported as such on my credit reports. I submitted a written request asking whether a Form 1099-C ( Cancellation of Debt ) had been filed, as that would indicate the debt has been canceled and may no longer be legally owed or reportable. 

XXXX XXXX responded by sending a standard debt validation letter that did not answer my question about the 1099-C, and then closed the matter. I was not disputing the debts XXXX was asking whether it had been forgiven or canceled. 

I request that the CFPB review XXXX  practices and require them to provide : Confirmation of whether a 1099-C was ever issued ; Clarification on whether they consider the debt forgiven or still collectible ; An updated and accurate reporting status based on that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was impacted by a data breach that exposed my email address and phone number. Aid Advantage never contacted me regarding pending payments, but my credit score plummeted by XXXX points due to delinquent payments on 17 accounts. I never received any correspondence from Aid Advantage, and despite filing a dispute, I have not received any response from them. 

I also filed disputes with XXXX XXXX and XXXX, and received the same unsatisfactory response : my accounts were verified with no further explanation. I have been taking significant steps to improve my credit score, particularly after being out of work on FMLA for three months. The addition of these late payments has put me in a precarious situation. I am set to move at the end of XXXX, and with my score in its current state, I will not qualify for approval. 

The inaccurate credit report generated by Aid Advantage is a violation of the Fair Credit Reporting Act. I demand the immediate removal of these late payments from my credit reports across all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi and XXXX XXXX advertise a credit card on their website where they show that the price of the ticket is reduced by {$400.00} when a particular credit card is opened. This is attached. 

However, neither their is a cash back, nor their any statement credit that can be cashed. The credit is in terms of XXXX XXXX tickets credit which is not equivalent to a cash back like other cards. They mislead consumer into opening an account without providing the benefit they claim. 

They literally show a reduced price on the ticket when before you buy the ticket.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
FCRA section 609 requires that information be reported factual and correct. The following are all different on TransUnion, Equifax and Experian. 

Last verified Date reported Date opened Last payment Term Length And Payment history See attached doc for highlighted information that is being reported differently on all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
FCRA section 609 requires that information be reported factual and correct. The following are all different on TransUnion, Equifax and Experian. 

Last verified Date reported Date opened Last payment Term Length And Payment history See attached doc for highlighted information that is being reported differently on all 3 reports.

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 2025-05-13 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 recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtaint credit.these accounts i didn't recognize them I didn't authorize them they're being report by a third party i want them to be remove

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 2025-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT BELIEVE I OWE THE LOANS ON THESE STUDENT LOANS 4 LOANS ONE SERVICERS TOTAL BALANCE {$100000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT BELIEVE I OWE THE LOANS ON THESE STUDENT LOANS 4 LOANS ONE SERVICERS TOTAL BALANCE {$100000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A fraudulent charge was made at XXXX XXXX on my account totaling {$2400.00}. The charge was disputed and Chase refunded all but {$270.00} claiming that items were received. Chase provided a tracking number that did not detail the address, had an incorrect name, and had no signature verification of receipt. We did not receive any items from XXXX XXXX and XXXX XXXX can not do anything to verify what has occurred. Upon escalation with Chase, they again claimed goods were received despite our insistence. 
Fraudulent transaction was performed on XX/XX/year> and latest fraud case was closed by Chase on XX/XX/XXXX despite no resolution and a {$270.00} charge remaining on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EdFinancial Services
State: NY

Complaint narrative:
A women by the name of XXXX called and said that her company was giving out student loan forgiveness. She said they would take care of 80 % of the loan because of a law passed by the government and I would only have to pay XXXX dollars a month on the XXXX of every month. her number is ( XXXX ) XXXX. I also gave her my information on accident not realizing she was scamming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
At the XXXX XXXX XXXX XXXX in 2021 XXXX, I was forced to put a XXXX dollar down payment on a brand new car to lease which is the XXXX XXXX XXXX XXXX. I didnt want to out a down payment but they said I couldnt get the car without it which was a lie. Ive paid upwards of XXXX dollars so far leasing this vehicle and it has so many issues including issues with transmission. I want my money back I am in a lawsuit against the dealer for selling me a lemon. I want my down payment back and I want my car payments back. They are also charging my me XXXX cents per mile I go over XXXX but the transmission as been terrible and has wasted a lot of gas trying to shift properly when on XXXX XXXX. I want my money back and I want this car fixed and owned by me with no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am formally asserting my rights as a consumer under federal law to dispute and demand the removal of inaccurate and unverifiable accounts reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am demanding the immediate investigation and deletion of the following accounts currently listed on my credit report, which I assert are either inaccurate, incomplete, unverified, or reported without proper validation.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The continued reporting of such accounts without proper investigation or supporting documentation constitutes a willful violation of federal law. Additionally, according to 15 U.S.C. 1692c ( c ), I have the right to request that collection activity cease unless proper validation is provided.

Therefore, I demand the following : 1. Immediate removal of all disputed accounts from my credit reports across all bureaus ( Experian, Equifax, TransUnion ).

2. Full validation and verification of each account, including original signed contracts and chain of custody of debt ownership ( not merely statements or internal records ).

3. If validation can not be provided within 30 days, as required under the FCRA, the accounts must be permanently deleted.

4. Confirmation in writing that these accounts have been removed or, alternatively, all supporting documentation that proves their accuracy and ownership.

Be advised that failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office.

This letter serves as formal notification of a dispute and a request for investigation under the FCRA. Please provide a written response to this dispute, along with the results of your investigation, within the legally mandated 30-day period. 

Sincerely, 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