vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXXXXXX XXXX XXXX XXXX acct # : 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am Writing this letter due to a number of actions that you have taken that have completely disregarded my rights under FCRA, and FDCPA in which you have the legal duty to comply. What was previously sent to me is not everything I am requesting and required by law that you provide. 
Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX ), and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following documentation to validate this debt and prove your legal right to collect it : Proof of Debt : Please provide a complete copy of the original signed agreement or contract that shows I am legally obligated to pay this debt. If the debt relates to a credit card or loan, provide the relevant terms and conditions and a copy of the account application. 

Account Statements : Provide a complete account history, including itemized statements that show the amount owed, charges, payments, interest, fees, and any adjustments. 

Proof of Transfer or Ownership : If this debt has been sold or assigned to your agency or company, please provide documentation that shows you have the legal right to collect this debt, such as a bill of sale, assignment agreement, or any other documents that prove the transfer of ownership of the debt from the original creditor to your company. 

Verification of Debt : If applicable, provide proof of the chain of custody or any records that show the debt has been transferred or purchased by your company. If you are collecting on behalf of the original creditor, provide documentation showing you have been legally assigned this right. 

Original Creditor 's Information : Please provide the name, address, and contact details of the original creditor to whom the debt was owed. 

Right to Dispute : As required by the FDCPA, please acknowledge my right to dispute the debt, and inform me that you must cease all collection activities until you provide the requested documentation. 

In accordance with the Fair Debt Collection Practices Act, I request that you stop all collection activities, including reporting this debt to credit bureaus, until this debt is fully validated. Additionally, under the Fair Credit Reporting Act, if you are unable to verify this debt and provide the required documentation, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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.

Complaint narrative:
I am writing to formally dispute and demand the removal of several accounts currently listed on my credit report, which remain unverified, inaccurate, or do not belong to me. 

On XX/XX/XXXX, I sent registered letters to both Equifax and XXXX, clearly identifying the errors and requesting investigations into each item. I have received no response from either bureau, and no corrections have been made to date. 

The following accounts remain on my credit report without proper validation or documentation proving that I am legally responsible for them : XXXX XXXX XXXX XXXX ) {$3200.00} This balance is not accurate and has not been accurate since it was first reported in XXXX. 
See the attached XXXX  bill from XXXX as supporting documentation for this dispute. No valid contract or detailed breakdown has ever been provided to justify the amount currently reported. 
XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) {$410.00} The account shows an open date of XX/XX/XXXX, but it has been reporting on my credit since XXXX, which is misleading and inaccurate. 
XXXX ( XXXX XXXX XXXXXXXX ) {$2200.00} I have no contract or agreement with XXXX, nor any proof showing I authorized this account. 
XXXX ( XXXX XXXX XXXX XXXX  ) {$4300.00} This account reflects missed payments in XXXX and XX/XX/XXXX, yet omits XXXX, which was also unpaid. This is inconsistent and inaccurate reporting. 

In addition, my report contains fraudulent XXXX and XXXX accounts, which I have never opened or authorized. A fraud alert is currently on file due to a previous data breach involving my student loans. Also, a XXXX card that was closed in XXXX continues to appear on my report and should be removed. 

My credit file is being gravely and unfairly impacted by inaccurate, unverifiable, and outdated information. Under XXXX consumer protection law, I have the right to dispute these accounts and request their removal if they can not be verified. Your continued failure to respond or provide valid documentation is unacceptable and a violation of 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 explanation
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX TO WHOM IT MAY CONCERN, XXXX XXXX recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. I was in prison and all my stuff was stolen and fraudulent used. I have proof of a police report that I made.

This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 

Negative Accounts Account Name : XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$220.00} Account Name : XXXX  XXXX Account Number : XXXX Date Open : XXXX XXXX Account Balance : {$140.00}

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 2025-03-26 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: VA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX  XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
On XX/XX/year>, I applied for financing with Mercedes-Benz of XXXX at approximately XXXX XXXX I was assisted by a salesperson named XXXX. Shortly after applying, I received alerts that my credit was pulled by at least seven different lenders, including Mercedes-Benz Financial , XXXX, XXXX, XXXX XXXX  XXXX and others. These resulted in multiple hard inquiries on my credit report. 

Despite this, I never received a formal credit decision. I followed up multiple times by phone and email. XXXX eventually sent me a Credit Score Disclosure form to sign ( CBC Form CSD02 ), but he provided no approval, no terms, and no denial. Another associate named XXXX XXXX briefly contacted me but never followed up after I returned his call. I reached out to the Finance Manager and left a voice message. No returned calls. 

As of XX/XX/year>, I have still not received any credit approval, denial, or explanation. The excessive inquiries have negatively impacted my credit score, and the dealership has not provided any updates or documentation. This has left me unable to proceed with financing or explore other options due to the damage to my credit. 

I believe this is a mishandling of my sensitive credit information and a failure to follow fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 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: MA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
MOHELA reported my student loan balance twice. 

Instead of ~ {$200000.00} it now appears on credit bureaus as ~ {$400000.00}. 

In my documents I uploaded my actual loan balance on MOHELA and then I uploaded documents of my reported loan balance on XXXX XXXX and with XXXX. 

Oddly, my loan balance shows correctly on XXXX and XXXX. 

I wonder if anything has to do with my loans being transferred within the new MOHELA system because XXXX shows one account is closed and one opened but both have loan amounts of XXXX and they're adding them together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$5300.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00} & XXXX XXXX XXXX XXXX : {$10000.00}

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Please see the attached FTC report and remove the account XXXX XXXXXXXX XXXX from my credit report. This account is past the statute of limitations. Furthermore, the original creditor listed has settled this account and it was not anywhere close to the balance listed on this account. This account is to be removed within 21 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/2025, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable. 
The fraudulent inquiries appearing on my report are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was involved in a scamming operation by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  out of XXXX XXXX XXXX. I was hired as a procurement analyst to go out and purchase computer equipment, watches and gift cards on XXXX of my credit cards from Capital One Bank. I was to receive a corporate credit card in XXXX to XXXX weeks. This company paid off my original balances on my Quicksilver and Savor cards with a bank account from XXXX  XXXX XXXX. I was authorized to make payments from this XXXX XXXX XXXX checking and savings account because my name was placed on both accounts. I would call Capital One on the phone and then transfer funds from the XXXX  XXXX XXXX accounts to pay off the amounts that had accrued on my two credit cards after I had gone out and made purchases. These amounts ranged from {$1500.00} to over {$5500.00} on at least three occasions between XX/XX/year> until XX/XX/year>. Each time XXXX XXXX would place a XXXX to 5 day hold on said transfer before available credit would show on my cards. I was to receive XXXX for the first two weeks and then XXXX bi-weekly thereafter plus expenses. The last time my credit cards cleared I started paying my bills with the available credit because I had not received a paycheck. A month had passed and I was asking my supervisor, XXXX XXXX about the whereabouts of my paycheck. You will see in an email I have that her response was she was working on it and she wanted to know when would my credit cards clear again. It is at that time that I went to a XXXX  XXXX XXXX XXXX and was told that there were no such accounts for the account numbers I showed to the teller. When I returned home I checked my Capital One cards and found out that I had been assessed {$31000.00} in charges on my XXXX card and over XXXX on my Savor credit card both of which were backed by master card. I was also informed that I was two payments late in making monthly payments. How could I be late in paying on said credit cards when huge dollar amounts were being paid to cover the entire amount due? I have since written a letter to the CEOs of the above stated companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: AZ

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief