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

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation, I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please provide me an updated credit report after you have completed your investigation and corrections. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Git a vehicle for my sister but because she didn't have credit my name had to 1st on the loan! Vehicle wind up getting Repossess! Went to to try to ger tge vehicle from the towing company! He Wind up keeping it because he was going to resell it! And I still don't understand how he did that if the vehicle still had a balance in my name!

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I am disputing a {$2000.00} collection account that appears on my credit report. The debt is listed under my name, yet neither XXXX Bank nor the firm Rausch Sturm LLP collection agency will confirm that they own it, validate it, or provide any documentation to support the reporting of this account. XXXXXXXX XXXX continues to claim they no longer manage this account and is with Rausch Sturm their third party collections firm. Rausch Sturm continues to claim this account was closed a long time ago, they no longer manage the account, and was sent back to XXXX XXXX. I have attempted to resolve and dispute this account/debt with both parties NUMEROUS times and neither of them seem to know where this account is and claim the other party has it. Within the last year and a half, I have made at least XXXX calls a month to both XXXXXXXX XXXX and Rausch Sturm to resolve this issue and have been given the same repeated answer that neither of the parties are handling the account. This has done nothing but destroy my credit with continuous negative " derogatory '' marks month after month from XXXX XXXX 

I requested proof in writing that they no longer manage or own the debt, but both parties refusedsaying it belongs to their client and they can not release that information, despite the fact that it is reported under my name and Social Security number and is negatively impacting my credit. 

This violates my rights under : The Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information The Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate debts upon request I am requesting that this account be removed from my credit reports immediately, as it is unverifiable and no party will claim ownership. 

What I am requesting : Immediate deletion of the collection item from all credit bureaus Written explanation of who owns this debt and who has legal authority to report it A full investigation into the credit bureaus verification process.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am contacting you regarding an account you claim I owe, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt and request full validation. 

To date, I have not received a proper written debt validation notice, including the following required details : The name and address of the original creditor The amount of the alleged debt Proof that I am legally obligated to pay A copy of the signed agreement, Until such documentation is provided, I request that you immediately cease all collection activity and remove this account from all consumer reporting agencies to which you have reported it. Reporting unverifiable debt is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

If you can not provide sufficient evidence validating this debt via 'Certified mail ', I demand that the account be permanently deleted from my credit file and that you send written confirmation of this deletion. 

Failure to comply will leave me no choice but to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX report debt on my personal credit report for a business card. I am not an owner of the company. I requested evidence of personal liability multiple times in writing and over the phone. They only sent statements but no evidence that I accepted personal liability. I disputed to all three credit bureau 's twice but they will not remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX report debt on my personal credit report for a business card. I am not an owner of the company. I requested evidence of personal liability multiple times in writing and over the phone. They only sent statements but no evidence that I accepted personal liability. I disputed to all three credit bureau 's twice but they will not remove the account from my report.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX report debt on my personal credit report for a business card. I am not an owner of the company. I requested evidence of personal liability multiple times in writing and over the phone. They only sent statements but no evidence that I accepted personal liability. I disputed to all three credit bureau 's twice but they will not remove the account from my report.

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 2025-05-05 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: ND

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES. 
IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIERIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-06 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:
These companies accessed my credit report without my authorization, negatively impacting my credit score. I previously contacted Experian, and a representative confirmed these inquiries would be removed, yet they remain. These unauthorized pulls raise serious concerns about potential identity theft and continue to cause unnecessary stress and harm to my credit.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has been incredibly stressful, and I cant explain how exhausting it is to keep seeing inaccurate, false information reported under my name. Ive worked hard to stay honest and build a better future, but these errors on my credit report are setting me back in a major way. As a consumer, I know I have rights yet it feels like theyre being ignored. My credit applications keep getting denied, and I'm stuck living paycheck to paycheck because of these mistakes.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was approved for a TD XXXX XXXX XXXX XXXX XXXX  ( ending in XXXX ) as well as for balance transfers. I received multiple notices from TD Bank XXXX that the balance transfer amount of {$5400.00} with a front end fee of {$160.00} was successfully completed with my XXXX XXXX XXXX XXXX ( ending in XXXX ). The balance transfer request was fulfilled on XX/XX/year> and appeared on my TD Visa card payment statement dated XX/XX/year>- XX/XX/year> with a minimum balance due of {$330.00} ( the minimum balance included two other balance transfers that were successfully completed ). At the end of XXXX I noticed that the {$5400.00} balance still appeared on my XXXX  XXXX XXXX card. I contacted TD Bank Visa multiple times and I was informed that the balance transfer check paid to XXXX  XXXX XXXX was returned and therefore was unpaid. The TD Bank XXXX XXXX and supervisors could not explain why the check was returned. In addition, TD Bank XXXX never contacted me in writing or otherwise to make me aware of the unpaid balance transfer. I had no choice but to pay {$100.00} in interest to my XXXX  XXXX XXXX XXXX account, since the interest rate increased to over 24 %. XXXX  XXXX XXXX declined my request to waive the interest under the circumstances, and XXXX XXXX representatives did nothing to compensate me for my financial loss. I was also still expected to pay the {$330.00} balance to TD Bank XXXX that included the {$5400.00} amount that was not actually transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX XX/XX/year> I dispute the mentioned debt and request verification as per the Fair Debt Collection Practices Act ( FDCPA ). I seek documentation that shows my agreement with the original creditor, a final account statement, a breakdown of the total amount owed, and details of any additional charges. 
Below are the accounts listed on my consumer report that are affecting my XXXX XXXX, and I am disputing the debt that is claimed to be mine : XXXX. XXXX XXXX Account Number : XXXX I request that this debt not be reported to credit agencies. If it has already been reported, please notify them of the dispute or remove the entry. Under the FDCPA, I ask that you cease further communication regarding this debt. 
Thank you. 
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 2025-05-05 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: CA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. Unauthorized disclosure to third parties.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXX XXXX, I recently reviewed a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information, 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collet, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

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 2025-05-06 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 reviewed my consumer reports and noticed a late payment reported by XXXX Bank for an account on XX/XX/year>. I was never late on this account. Consumer reporting agencies have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all reported information is accurate and verifiable. I have included a screenshot in this complaint as supporting evidence that the payment was made on time. I request that you investigate and provide documented proofsuch as billing statements or account historyshowing that this payment was truly late. If such proof can not be provided, I demand that the reported late payment be corrected to reflect paid as agreed since the report is inaccurate. 

Thank you.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed a late payment reported by XXXX Bank for an account on XX/XX/year>. I was never late on this account. Consumer reporting agencies have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all reported information is accurate and verifiable. I have included a screenshot in this complaint as supporting evidence that the payment was made on time. I request that you investigate and provide documented proofsuch as billing statements or account historyshowing that this payment was truly late. If such proof can not be provided, I demand that the reported late payment be corrected to reflect paid as agreed since the report is inaccurate. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX\n\nI recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.'

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 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
RE : [ EXTERNAL ] Re : More artifacts re : debt dispute ref # XXXX XXXX XXXX To : me, and 2 others, Cc : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Message Body Hello, Please reach out to Genesis Credit Management to discuss your account, and continued dispute. 

The phone # is XXXX All the Best, XXXX XXXX | XXXX, Receivables Department o XXXX Hide trimmed content From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX ; Compliance XXXX ; XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX Subject : [ XXXX ] Re : More artifacts re : debt dispute ref # XXXX Requesting update on dispute. Keep getting calls but prefer to conduct this dispute in writing. 



To recap- Did XXXX XXXX violate the lease when moving another person into the unit which was already paid for. 

What happened to the termination fee paid in the office. 

Office staff indicated the lease would be terminated when the payment cleared then refused to provide the documentation as promised. Then XXXX XXXX stacked more charges- another month 's rent and a second termination fee after the original termination fee was paid. 

Is this dispute eligible for arbitration. 



XXXX XXXX On Monday, XX/XX/XXXX at XXXXXXXX XXXX CST, XXXX XXXX XXXX wrote : Includes complete ledger. 





-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Friday, XX/XX/XXXX at XXXXXXXX XXXX  CST Subject : More artifacts re : debt dispute ref # XXXX Attached. 

Awaiting results of XXXXXXXX XXXX  investigation which was promised last XXXX.

Company response to consumer: Closed with explanation