vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
So I purchased a XXXX XXXX XXXX model. Back in XXXX in XXXX. So nothing really seemed off until the car broke down not even XXXX  months later. A behold the service contract that was giving to me by credit acceptance. Was not valid for what I needed it for a new transmission. But wait theirs more. I then did my research on the carfax that I was never shown. Come to find out that this vehicle. Was leased to me by credit acceptance. But they left out the part that this XXXX XXXX had its dash rolled back. So that the mileage would appear lower than what I found. Which when I bought it had XXXX XXXX on it or so I was told or made to believe. Yet when I checked the car fax. The actual mileage was XXXX XXXX. A thats way over the miles that were showing on the dash. A would make sense why the XXXX XXXX had broken down. A was repossessed voluntarily as I told them about it but they refused to even consider that. If you need the dealership as to where I bought it. Id be happy to sent that over.

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 monetary relief
Consumer complaint received 2025-03-23 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: MO

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 2025-03-23 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: MO

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 2025-03-23 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:
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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Submitted multiple forms of information including a Certified Letter containing 2 Forms of Identification with a Dispute Letter requesting the removal of the XXXX account. They continue to mark the said item as Updated, which is furnishing incorrect information.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a account that was reporting inaccurately reflecting I had several missed payments & payment status was delinquent over 120+ days late ( XXXX ) when in fact the account is current. I have legal court litigation documents stating I am to pay {$0.00} on the account until we schedule a hearing no earlier then XXXX XXXX XXXX The consumer reporting agencys needs to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of court documents aswell as a copy of my credit report to this complaint on the following inaccurate payment dates in question. 
I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments on account # XXXX. 
( cause # XXXX ) child support does not constitute nor did it not originate in a consumer base transaction. Which means there where no lines of debt extended. If this information can not be verified, I demand these payments & account be updated to current/ on time immediately or removed from my consumer report entirely. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I formally filed a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education databases. On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I notice several inaccurate things on my credit as well as debt increasing from {$6900.00} to now {$7300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear : Compliance or Debt Validation Department I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act. I notice plenty of violations please be 100 percent fair and accurate. 

To facilitate this process, I require the following documentation : 1. **Date of First Activity** : The date the account was initially opened or the debt originated.

2. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt.

3. **Date of Last Payment** : The date on which the last payment was made towards the debt. 
4. **Account Number** : The specific account number associated with the debt in question.

5. **Current Account Balance** : The total amount owed as of the date of this letter.

6. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc.

7. **Chain of Command or Custody** : Documentation proving the ownership and transfer of the debt, including any assignments or sales. 
8. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it.

9. **Proof of Collection Rights** : Documentation that demonstrates your authority to collect on this debt.

10. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments. 

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
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 2025-03-23 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: GA

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 2025-03-23 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: VA

Complaint narrative:
Account was sold to collection agency and XXXX XXXX is reporting my old accounts as closed but with a status of open and charged off and with a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: 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 2025-03-23 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have no knowledge of this account. I have no contracts with XXXX XXXX XXXX XXXX I demand this account removed from my credit report I was not sent the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
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 2025-03-23 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:
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 2025-03-23 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries listed on my credit report, dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize these inquiries, and their presence violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer reporting agencies only report information with the consumers consent.

Furthermore, I have identified inaccuracies in my payment history, which contravene the FCRAs requirement for accurate reporting. As per 15 U.S.C. 1681i ( a ), you are obligated to investigate and correct or delete any information that can not be verified as accurate.

Given the recent settlement between the Consumer Financial Protection Bureau ( CFPB ) and XXXX concerning inaccuracies in credit reporting, I am particularly concerned about the integrity of my credit information. 

I demand that you : 1. Remove the unauthorized inquiries dated XX/XX/XXXX and XX/XX/XXXX from my credit report. 
2. Correct any inaccuracies in my payment history to reflect accurate information.

3. Provide written confirmation of these corrections within five ( 5 ) days of receiving this letter. 

Failure to comply within this timeframe will compel me to pursue legal action to seek damages resulting from the denial of credit opportunities, including credit cards and loans, due to these inaccuracies. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies available under the FCRA. 

Please treat this matter with the urgency it warrants and confirm receipt of this dispute. You may contact me via mail or email should you require further information. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report Highlighting Disputed Items Supporting Documentation for Payment History Accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: KS

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 2025-03-23 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: KS

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 2025-03-23 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX 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 2025-03-23 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
1. Incorrect Mailing Address Used by Chase : All lease payments had been made on time. 
Chase claims to have sent an end-of-lease payment notice by mail ( attached ), but due to an error on Chase 's part, instead of mailing the notice to the mailing address that I provided to Chase, the notice was addressed incorrectly, referencing an apartment, leading to non-delivery. 
Because of this, I never received the notice and was unaware that any additional payment was due. 
2. Chase 's Own Online Platform Indicated The Lease Was Paid in Full : I actively monitored my Chase account online, and at all times, the Chase website reflected that the lease was paid in full with no indication of an outstanding balance. 
Chase has since stated that end-of-lease charges were handled separately and not reflected in the online portal. However, this is an internal Chase policy that was never communicated to me, making it unreasonable to expect me to take action on an amount I was never properly informed of. 
3. Failure to Contact Me Properly by Phone : Chase also claims to have called me regarding the outstanding amount. 
Upon further inquiry, Chase admitted that it attempted to contact me at a non- operating number, meaning I never received any phone notification regarding this matter.

Company response to consumer: Closed with explanation