vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors XXXX have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am filing a complaint regarding my auto loan with credit acceptance corporation.The vehicle was repossessed on XX/XX/year>, but the lender is still reporting the account as open with an active balance and charging me ongoing fees. This is inaccurate and misleading reporting. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information. Under the Fair Debt Collection Practices Act ( FDCPA ), continued collection on a debt that is not valid is unlawful. I am requesting that this account be corrected to accurately reflect the repossession, and that all improper charges and inaccurate reporting 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$210.00} reported charged off. I did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} account reported charged off. Did not receive a 1099-C XXXX XXXX XX/XX/year> {$280.00} account reported to collections. Did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}. Account reported charged off. Did not receive XXXX XXXX XXXX XXXX XX/XX/year> {$230.00}. Account reported charged off. Did not receive 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$210.00} reported charged off. I did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} account reported charged off. Did not receive a 1099-C XXXX XXXX XX/XX/year> {$280.00} account reported to collections. Did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}. Account reported charged off. Did not receive XXXX XXXX XXXX XXXX XX/XX/year> {$230.00}. Account reported charged off. Did not receive 1099-C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No knowledge of this account. I tried to get them to delete this info from my report but had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
I received a collection notice on my credit report from Tek Collections. I am disputing the collections charge that appeared on my credit report relating to debt incurred by XXXX  As you are hopefully well aware, healthcare direct, along with its affiliated debtors, filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, case number XXXX ). When XXXX  filed for XXXX  XXXX bankruptcy in XX/XX/XXXX, an " automatic stay '' immediately went into effect under bankruptcy law. This powerful legal protection prohibits creditors and debt collectors from pursuing collection activities against debtors involved in bankruptcy proceedings, which I believe your company, along with XXXX, is in violation of. Subsequently, on XX/XX/XXXX, the cases were converted to XXXX  XXXX proceedings. XXXX 's business practices raise significant concerns, including their " lifetime guarantee '' and the lack of direct dentist oversight during treatment. In my case, no dentist ever evaluated my progress or checked my teeth, nor was I provided access to a dentist through their app. This absence of professional supervision makes it impossible to determine whether my treatment was actually completed.I must also address a misrepresentation made by your representative. They incorrectly stated that XXXX acted as a lender in my treatment. This is factually incorrect. My original agreement clearly states : " Relationship of Parties. Buyer acknowledges and agrees that * * * is not a lender but rather the payment processing service provider of Provider. '' XXXX 's role was strictly limited to payment processing, not lending. Therefore, your company is lying to former customers of XXXX  and engaging in deliberate acts of misrepresentation. There have been no buyers of the debt. I have been trying to get in contact with tek collect and they have gone silent on me for over a week. I demand this charge is removed off my credit score immediately. The amount is also different from what they say I owe ( {$1800.00} ) vs whats on the XXXX website. ( {$1600.00} ) looking through the paid invoices I have paid {$1800.00} out of the original {$2400.00}. I would like this removed from my credit please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
On XX/XX/2025, I received {$300.00} from XXXX  without being told how much interest I would be paying on the loan. I was not allowed to login to my account portal with XXXX  until about XX/XX/2025 in which I was surprised to find out that the APR was $ 490.00 % with XXXX payments to be made that would total out to {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Texas National Holding, LLC
State: TX

Complaint narrative:
I purchased a property via subject two. I was told that the property had XXXX deliquient and was in contract that i was supposed to pay all futrue debt. XXXX XXXX XXXX Dispositions Manager Fastest Home Offer was the wholeseller. Fast homes in contact showed and advertised as only taking over existing payments. I put XXXX down moved in the proptery and went to make my first payment and I couldnt because I was told the house was already forclosed on and up for auction XX/XX/XXXX. I closed XX/XX/XXXX. I filed a claim under XXXX XXXX XXXX XXXX and was denied to due specific documents I didnt sign, Capital title and its loan officer forged my signature on dpcuments and added after closing to protect themselves. I have proof becasue i was given a signature certifitate page with my ip address showing my digital signature and there is now 30 pages instead of 29 that is stafted at closing. The 1 page added is signed by the tittle loan officer and added it to the closing documents. Also the loan officer had beem fired because of all this. I was told by title Captal title to hire a lawyer. I was denied for exibit b-1 by the title company and u can see that paper in my closing wasnt ignitaled by me, its dofferent and its added. On the certifificate of siganture page says 29 pages and now there is 30 showing also a page was added. There are also other times my signature was added. I was also given two different of my closing documents when asked.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$250000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ XXXX  ] Full Itemized Statement shows how the balance was calculated - [ XXXX  ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ XXXX  ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ XXXX  ] Payment History Records verifies payments made or missed - [ XXXX ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ XXXX  ] Notice of Default or Intent to Collect proof of communication as required by law - [ XXXX  ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ XXXX  ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ XXXX  ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$310.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I dispute a reported collection ( XXXX XXXX  XXXX ) furnished to XXXX  by Caine & Weiner. I have no knowledge of this debt, have made no payments or acknowledgments, and the furnisher has not provided original-creditor documentation, itemization, chain of title, or competent records of the Date of First Delinquency ( DOFD ). The tradeline appears re-aged and inaccurately furnished. I request deletion unless the furnisher produces documentary validation, including original agreement, full itemization, chain of title, and XXXX proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance is reporting an auto loan on my credit file with XXXX, reflecting a missed payment. However, this account does not legally belong to me. The loan in question was taken out by my mother, who was the legal owner of the vehicle and the primary borrower. My XXXX  unfortunately passed away in XXXX, and I was never a co-signer, co-applicant, or joint owner on this loan. 

After my mothers passing, the vehicle was repossessed, despite the fact that the loan was completely paid off. There was no remaining balance. I never signed or agreed to be financially responsible for this vehicle loan, and Exeter Finance has no legal basis to report this account in my name or associate any missed payment with my consumer file. 

Their reporting is false, misleading, and extremely damaging, especially considering that I was never part of this loan. They have never provided : A copy of the original loan contract with my wet signature Any notice informing me of this reporting Any documentation that I agreed to be financially liable They are in possession of my personal identifying information, including my Social Security number, without any valid or legal authorization. This is a clear violation of : 15 U.S. Code 1681b No permissible purpose to access or report my credit 15 U.S. Code 1681s-2 Furnishing inaccurate and unverified information to credit bureaus FCRA Section 604 Improper access to consumer report FDCPA Section 807 Misrepresentation of debt This is also a serious ethical violation, as they are attempting to assign a deceased borrowers loan to a surviving family member without a valid contract or probate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I am filing because my credit report has unauthorized student loan accounts that I never gave permission to be reported. The Department of Education and XXXX unlawfully shared my personal information with the Department of Government Efficiency ( DOGE ) without my consent violating the Family Educational Rights and Privacy Act ( FERPA ). This Privacy violation led to the reporting of a student loans account on my credit file without my authorization. I did not provide written consent to the credit bureaus to report this account. I also did not authorize XXXX or Department of Education to disclose my personally identifiable information ( PPI ) .This is a complete violation of Family Educational Rights and Privacy Act ( FERPA ). I have already filed an FTC Identity Theft Report reference numbers ( XXXX ) ( XXXX ) this Privacy violation.

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 2025-08-23 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: TX

Complaint narrative:
I am filing this complaint because Experian and TransUnion are reporting a bankruptcy that does not belong to me. 

I have never filed for bankruptcy, and this public record is being inaccurately attributed to my credit file. I have disputed this matter multiple times with both bureaus, but they continue to verify the bankruptcy through third-party vendors such as XXXX or XXXX, without providing me with any proof or documentation that links this bankruptcy to me. 

Additionally, due to the XXXX  data breach in XXXX, my personal identifying information was compromised. I believe this breach has contributed to inaccurate reporting and mixed files. Because my data has been exposed and unreliable, the credit reporting agencies can not properly verify this bankruptcy record against me. 

Under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 605B, the credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. If an account or public record can not be verified as belonging to me, it must be deleted.

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 2025-08-23 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint because XXXX  and XXXX  are reporting a bankruptcy that does not belong to me.

I have never filed for bankruptcy, and this public record is being inaccurately attributed to my credit file. I have disputed this matter multiple times with both bureaus, but they continue to verify the bankruptcy through third-party vendors such as LexisNexis or XXXX, without providing me with any proof or documentation that links this bankruptcy to me.

Additionally, due to the XXXX  data breach in 2017, my personal identifying information was compromised. I believe this breach has contributed to inaccurate reporting and mixed files. Because my data has been exposed and unreliable, the credit reporting agencies can not properly verify this bankruptcy record against me.

Under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 605B, the credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. If an account or public record can not be verified as belonging to me, it must be deleted.

Company response to consumer: Closed with explanation