vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
When I purchased this vehicle I had a very good credit score so I was able to lease I was told I was under a 30 month lease come to my attention its a 60 month contract with XXXX miles included that wasnt the deal it makes no sense to lease a car for 60 months Im not happy at all Im owed some money from previous gap unused and if I dont get answers this time I will file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Nelnet, Inc.
State: VA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of unauthorized inquiries in violation of federal and state consumer protection laws.

I. Unauthorized Inquiries Names of Entities : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of unauthorized inquiries in violation of federal and state consumer protection laws.

I. Unauthorized Inquiries Names of Entities : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am being denied access to my updated credit report.

The bureau reports, Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this is resolved, you wont be able to see your report.

I have provided them copies of my valid US passport, social security card, and utility bill to validate my personal information and make the necessary corrections.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am being denied access to my updated credit report.

The bureau reports, Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this is resolved, you wont be able to see your report.

I have provided them copies of my valid US passport, social security card, and utility bill to validate my personal information and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
I consumer XXXX XXXX filing a complaint against company " XXXX XXXX XXXX  '' Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4. I also would like for Transunion Experian and Equifax to fully investigate this company because it's reporting many inaccuracies across all three credit agencies such a as different closing dates, open dates, payment history, terms, and account type. this is violating the FCRA, and each violation can equal up to {$1000.00} per violation. 

please investigate this Information and thank you for handling this serious matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I consumer XXXX XXXX filing a complaint against company " XXXX XXXX XXXX  '' Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4. I also would like for Transunion Experian and Equifax to fully investigate this company because it's reporting many inaccuracies across all three credit agencies such a as different closing dates, open dates, payment history, terms, and account type. this is violating the FCRA, and each violation can equal up to {$1000.00} per violation. 

please investigate this Information and thank you for handling this serious matter Sincerely, 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 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 1- XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX bought an alleged debt from XXXX XXXX XXXX after it was charged off. XXXX placed the account on my credit profile and didn't notify me that I had the right to dispute. I AM DISPUTING THIS ALLEGED as it's not valid nor owed. 

Alleged amount : {$7700.00} isn't valid and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Because I was planning on making a purchase about my credit line on XXXX XX/XX/XXXX, I made a XXXX dollar payment, from XXXX of my business accounts, to my credit card account. 
Two days later I received a text message telling me to call a number that was supposed to be Capital One fraud prevention. 
I immediately went on line and found that the XXXX had not been posted to the account. I checked with my bank and found that Capital One had cashed my check. 
Distressed I called the number. After a number of tries, including twice being told " the system was down-please call back in two hours. '' Finally, I got thru and was informed that the credit card account had been suspended because they needed to verify the source of funds. They told be that they would send me a secure link and I needed to send them copies of the bank the bank statement, a government issued ID with proof of my address. At this point the whole process with customer service people who spoke very broken XXXX and them asking me questions rather than giving me information that they should have known had me completely on edge. 
Much against my better judgement I sent them the requested information but I sent only on page of my bank account and redacted the information that I didn't believe was necessary for them to have. 
I sent a government photo ID with an address and DOB, a bank copy of the cashed check that they had endorsed and cashed and a letter addressed to me from XXXX XXXX XXXX XXXX which was the cover letter for my paycheck that I received for my work as a poll worker. I get most of my mail at my office and all the utility bills etc are in my spouse 's name. 
A week later, I received a call from the same number- again a long process to get to a " customer service rep '' who informed me that they needed my entire business bank statement to be able to release the hold on my account. 
At this point I was fed up and in need of my money, I asked them to return the money, which they had effectively stolen from me, to the bank they had cashed the check from. They told me they could " do nothing '' because the account was frozen until they received the requested information. 
At this point I reached out to the XXXX XXXX XXXX and they referred me to you for assistance in getting back my money that Capital One has stolen from me. 
Thank you in advance for your anticipated assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: OR

Complaint narrative:
In XX/XX/year>, I requested full debt validation under the FDCPA for a {$4600.00} collection reported by Monterey Collection Services ( originally Millennia Tax Relief ). I asked for proof of service, itemized billing, communications, and justification for the inflated balance from {$2700.00} to {$4600.00}. Despite this, I received no response within the required time. I endured XXXX months of total silence after financing beganno updates, no services rendered. I was forced to hire and pay a separate tax professional to meet the federal tax deadline. When XXXX finally sent documents, it was well after tax season and completely useless. No proof of timely service was ever provided. This was a material breach, and the ongoing reporting is unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card. Closed XXXX XXXX XXXX balance I disputed and called this account is not mine never belonged to me and not my correct information ihave no knowledge of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX opened XX/XX/XXXX and a {$1000.00}. XXXX XXXX XXXX XXXXXXXX opened {$620.00} opened XX/XX/XXXX with a {$620.00} balance. XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX  XXXX XXXX opened XX/XX/XXXX with a {$200.00} balance.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-04 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX opened XX/XX/XXXX and a {$1000.00}. XXXX XXXX XXXX XXXXXXXX opened {$620.00} opened XX/XX/XXXX with a {$620.00} balance. XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX  XXXX XXXX opened XX/XX/XXXX with a {$200.00} balance.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I opened this card with the assumption that I would get {$200.00} cash back once I spent {$1000.00} within the first 90 days. It's been past the 90 days and past the few month mark after I would have received the rewards. I have not received the reward so I reached out to customer service and they let me know that I was not eligible for the rewards even though I was assured by customer service when I first got the card that my account was eligible for the reward. I believe that they're trying to take advantage of me right now. And they're not willing to honor the rewards points that they had offered me and the whole reason why I got the credit card in the first place. I also have documentation proving that I was told by a customer service representative that my account was eligible for the reward

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3200.00}

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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against MOHELA, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation