vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX  {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX  {$23000.00}

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint concerning several serious issues on my credit report, which have not been resolved despite my efforts. 

First, I have discovered that my legal name is listed incorrectly in my credit file. This inaccurate information could create confusion and potentially impact my creditworthiness. 

Second, I have noticed the presence of multiple accounts on my credit report that I do not recognize and did not open. These accounts appear to be fraudulent or added without my consent. 

Third, I suspect that my credit report has been accessed and/or used without my authorization, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have already submitted formal disputes and complaints directly to the credit bureaus regarding both the incorrect personal information and the unrecognized accounts. However, they have failed to take appropriate action to correct these issues. 

I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Launch an immediate investigation into the incorrect legal name on my credit report and ensure it is corrected.

2. Investigate and remove any fraudulent or unrecognized accounts from my credit file.

3. Review and investigate any unauthorized access or use of my credit report, and provide a list of all entities that have recently accessed it.

4. Ensure the credit reporting agencies comply with federal laws, and take enforcement action if necessary. 

Please consider this a formal complaint. I am prepared to provide any documentation or identification necessary to assist in your investigation. 

Thank you for your attention and for protecting consumer rights.

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 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2025-04-08 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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX with late payments along with their account XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I deposited a check from the IRS. On XX/XX/XXXX and was told that my funds would be available within seven days. 

It is now XX/XX/XXXX and I still do not have my money and when I call., they can not release it because they can not get ahold of the bank and then hang up on me. 

I can the number and can get ahold of the bank and they tell me to have to call back. 

The issue just continues and I am not sure why they are holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC account was added to my account XX/XX/year>. This account is inaccurate and not mine. Please remove it per FCRA Section 611 ( 1681i ), which requires deletion of unverifiable or incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

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

Company 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 2025-04-08 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes-Benz Financial Services continues to report a fraudulent account on my XXXX credit report, despite repeated notifications and the submission of extensive identity theft documentation. I did not open or authorize this account. 

I have submitted the following to Mercedes-Benz Financial : An FTC Identity Theft Report ( originally filed on XX/XX/XXXX, and updated on XX/XX/XXXX ) Two police reports, one filed in XXXX and another in XXXX, documenting my identity theft Proof that my personal information was compromised in the XXXX XXXX data breach Despite this, Mercedes-Benz has not conducted a proper investigation. Their response to my previous CFPB complaint included unrelated documents ( which I have attached, so Mercedes can continue to stop wasting your time and mine with their stalling and fake investigation ) and did not address or acknowledge the evidence I provided. They continue to hold me responsible for an account I did not create.

The fraudulent account is still being reported only by XXXX, and Mercedes-Benzs continued reporting is preventing resolution. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent accounts blocked when proper documentation is provided which I have done. 

I am requesting : That Mercedes-Benz Financial cease all reporting of this fraudulent account That the account be removed from all credit reporting agencies That I receive a written response directly addressing the evidence of identity theft I submitted I am continuing to dispute this account with XXXX and will pursue all available remedies until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: RI

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 2025-04-08 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: RI

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 2025-04-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

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 XXXXXXXX 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 explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-08 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: WA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collectiom I Charge Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Id like to complain against MOHELA students Loan service company. I was informed from XXXX XXXX that I will get my refund request 90days from XX/XX/XXXX, I called them many times and email them about the refund of my over payment from student loan - {$1000.00} ; every time I called, I have to wait around 3 hrs to reach them, then they change the refund date to another 90days. I talked with 4 supervisors, they told me to call back 2 weeks later to check, now 4 months from XX/XX/XXXX, still saying another 90days, nothing updated on my account. I even called the US Treasury department, they said they have received nothing from MOHELA about my refund request. I saw some of students got the forgiveness letter date after XX/XX/XXXX and already got the refund. Thats not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I made an agreement to pay a debt off with a company and they agreed not to report the collection to the credit bureau. This company still reported the payment and did not tell me I needed to make another arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MS

Complaint narrative:
XXXX. Property management called me during jury duty. Asked me to come get a gate key. Explained at jury duty. Was told not my problem. No gate ever installed during my time living there. 
XXXX. Threated to tow my car by property XXXX due to expired tag by 1 day. 
XXXX. Came for a random inspection at XXXX, banging on door. Nothing found XXXX. Refused all calls and maintenance requests XXXX. XXXX tried to tell me to put a inspection sticker in middle of windshield. Not in corner like every other car of person that lived there. The middle. 

XXXX XXXX located in XXXX XXXX  Property in XXXX XXXX I was refused number multiples times as property XXXX had it out for me. I was then evicted and my credit ruined. They charged me an early termination fee, even though i did not terminate anything. I was charged my security deposit, even though I left the apartment in immaculate condition with refridgerator, carpet cleaned. No damage whatsoever. 

Under section XXXX titled Termination/Vacating Premises Prior to end of lease, it says nothing about a {$1500.00} early termination fee. Also i never terminated the lease. They did. 

Hunter Warfield located in XXXX XXXX refuses to settle the debt, even though I was never provided the phone number to original creditor. This is a violation under the Fair Credit Reporting Act. A worker at Hunter warfield even stated what good would it do now. Also I have been told that all the credit bureaus information regarding this account doesnt match.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AmeriCollect
State: GA

Complaint narrative:
I do not reconize these items on my credit report. A medical Debt XXXX Americollect, XXXX Americollect and XXXX Americollect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
I XXXX XXXX the ( consumer ) II am filing this complaint to the CFPB After Noticing an Account Reporting on my credit Report ( Equifax, Transunion, and Experian ) that Should Not be Reported : Im involving the CFPB because that's the sole purpose of their existence is to protect the Privacy And Rights of the consumer. The Account : Department of Education Account XXXX Which is A student loan. 
According, to The Family Educational Rights Privacy Act ( FERPA ), FERPA iS A Federal law enacted in 1974 that protects the privacy of student education Records. FERPA applies to any public or private elementary, XXXX XXXX XXXX XXXX XXXX XXXX. 20 USC 1232G ( b ). Also violates the PRivAcy Act of XXXX Please " Remove '' oR " Delete '' this item From my Reports Immediately.

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