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: 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: PA

Complaint narrative:
I am writing to formally address your failure to maintain fair and accurate credit reporting, as required under the Fair Credit Reporting Act ( FCRA ). According to FCRA 602, consumer reporting agencies are expected to uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past months, you continue to report inaccurate information on my credit file without providing any proof of your verification methods. This is both unacceptable and a direct violation of FCRA guidelines.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: WA

Complaint narrative:
I am writing to formally dispute the accuracy of the debt referenced in your collection account associated with my name, XXXX XXXX, and to raise serious concerns about potential illegal practices conducted by your company in handling this account. 

I have reviewed my records and have no recollection or evidence supporting the validity of the debt you are claiming I owe. As such, I request that you provide me with the following documentation as required by the Fair Debt Collection Practices Act ( FDCPA ) : 1. Proof of the debt, including a copy of the original signed agreement or contract. 
2. The amount of the debt, including a detailed breakdown of any charges, fees, or interest accrued. 
3. Verification that you are authorized to collect on this debt. 

Furthermore, I have serious concerns regarding the handling of this account by your company. I believe that your actions may constitute illegal malpractice, including harassment, emotional distress, XXXX  provoking and serious XXXX XXXX inducing harassment, because of failure to follow proper procedure, which were constant harassment, and cursing at me through the phone which I have phone recordings of. These practices may be in violation of consumer protection laws, including the FDCPA and other relevant regulations. 

If the debt is not verified or if your company does not provide the requested documentation within 3 days from the date of this letter, I demand that this account be removed from my credit report and that all collection activities cease immediately. 

Please note that I am keeping a detailed record of all communication regarding this matter, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office, if necessary. 

I request that all future correspondence be made in writing only, and I will not respond to phone calls or other forms of contact. 

Thank you for your immediate attention to this matter. I expect your prompt compliance with the applicable laws and my requests.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing this complaint against Westlake Financial Services for multiple violations concerning my auto loan and its reporting.

Westlake repossessed my vehicle but never provided a Notice of Right to Redemption, which is required by law to allow me the opportunity to reclaim my vehicle. Additionally, I never received a Deficiency Balance Statement after the repossession, which should explain how the remaining balance was calculated after the car was sold.

Despite these missing disclosures, Westlake is reporting my account as a charge-off with a full remaining balance of {$18000.00}, and showing multiple missed paymentseven though I have made the following payments after the repossession : {$430.00} on XX/XX/scrub> 2024 {$830.00} on XXXX XXXX, 2024 {$680.00} on XX/XX/scrub> 2024 A total of XXXX and the note was XXXX which accounts for the first 4 months of the year I believe this reporting is not only inaccurate, but unlawful, as they are attempting to collect and report a balance without proper notice or transparency. These practices are in violation of the Fair Credit Reporting Act ( FCRA ) and may also violate state consumer protection laws.

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 — Account information incorrect
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
National Credit Systems reported a rental-related debt to the credit bureaus under my name. I was not the primary leaseholder on the leaseonly added because I was over XXXX. My only source of income is Social Security. 

I mailed a certified dispute letter within 30 days of their first notice, requesting validation of the debt, including proof of the lease and my financial responsibility. However, they reported the debt to the credit bureaus before the letter was even received and without providing any validation. 

This violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). A debt can not be reported during the dispute window unless it's been properly validated. 

I am requesting the removal of this account from my credit report, or full validation of the debt with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CO

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/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 2025-03-26 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: VA

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

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My paypal debt was sold to another company- XXXX XXXX XXXX XXXX The amount of original owed debt was different from debt owed. I asked to a letter to be sent back containing all the original debt owed from the original creditor, and to prove that debt was actually mine. Also the licensed information on the XXXX XXXX XXXX company proving theu can indeed collect debts in the state of Florida. I have not hear back anything, therefore I would like this debt deleted from my credit as it is not mine.

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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-03-26 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect personal information:

XXXXXXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Incorrect personal information:

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a follow-up CFPB complaint to XXXX against XXXX XXXX XXXX XXXX ( XXXX ). In response to my original complaint, XXXX claimed that a verification of debt would be mailed to me. As of today, no such documentation has been received, and this is my third formal request for debt validation pursuant to the FDCPA ( 15 U.S.C. 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under federal law, a debt collector must provide clear evidence that the alleged debt is valid and that they have a legal right to collect and report it. XXXX has failed to do so. My letter requested the following : A copy of the original signed agreement establishing my liability for the debt A complete itemization of charges The full chain of assignment showing how the debt was legally transferred Proof of authorization to report to credit bureaus ( under FCRA 1681b ) Proof of XXXX licensing and California bond, which is required by California law to collect debt in the state To date, none of the above has been received. Yet XXXX continues to report this debt on my Equifax credit report, which constitutes : A failure to conduct proper investigation ( FCRA 1681i ) Reporting unverifiable or inaccurate information ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) Reporting without permissible purpose ( FCRA 1681b ( f ) ) Violating California State Law requiring registration and a {$10000.00} surety bond for debt collection agencies operating in CA Additionally, under the precedent set by TransUnion, LLC v. Ramirez ( 594 U.S. ___ , 2021 ), a company may be held liable for reporting unverified or incorrect information that results in consumer harm.

Harm Suffered : Negative impact to my credit profile Higher interest rates or credit denials Emotional and financial stress Time and cost associated with repeated dispute efforts Resolution Requested : That Fair Collections & Outsourcing be required to immediately cease reporting this account to all consumer reporting agencies until full legal validation is provided That XXXX be compelled to provide all legally required documentation ( including the chain of title, licensing, bond information, and signed agreements ) within 15 days That the account be permanently deleted from my credit reports if XXXX fails to meet their obligations under FDCPA and FCRA within 15 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:
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 — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
XXXX shows 30 days late in the remarks section as you can see on the screenshot but my payment history shows never late. It also shows as a adverse account with transunion but it is a satisfactory account. Per XXXX, KIA must send them a dispute showing never late to update the remarks and place account in satisfactory

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief