vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I am formally requesting debt validation in accordance to 15 USC 1692 g. Previous request mailed XX/XX/XXXX to IC Systems went unanswered. Two credit agencies removed it but XXXX refuses to remove it. 

To my knowledge this refers to XXXX account terminated XXXX of XXXX over 7 years ago. The last payment made was XX/XX/XXXX removed from my bank account without permission and is now time barred from collection. Equipment return was never credited and service not terminated as promised. The amounts due as well as the account dates are incorrect and must be removed from my credit report as time barred and incorrect. I have never conducted business with I.C.System and have never authorized any accounts or payments to them. 

1. I want a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Has there been any insurance claim found on this debt or charge off on 1099?

4. I want proof that they have the chain of title to collect on this debt.

5. I request a Cease and desist all Collections on this account and remove it from all collection reporting agencies.

6. Amount corrected to {$0.00} and account closed.

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 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I was in a lease with a roomate in which I was legally bound to live in due to XXXX XXXX so I let the property know to take me off the lease at first they said they could and keep in mind this was 2 weeks into the lease. After I sent the XXXX  protective order and turned in my keys they said they would get back to me. They never did so I called them and they told me that cant remove me from the lease fast forward 11 months she cancels the lease and so Im hit with all the charges and was not given a right for final inspection they took my deposit and have some other charges on their as well so I was not given my {$3100.00} and on top that they charged me almost {$12000.00} after I spoke to management they dropped it down to me owning {$1900.00} after still taking my deposit I have already seen a judge and have another court date in XXXX they owe me my deposit x2 and now I want more because they are trying to collect a fraudulent debt in which is now hurting my credit score and getting me denied from apartments

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 2025-06-04 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: IL

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccuracies, including unauthorized accounts and information being reported. These erroneous entries have had a significant negative impact on both my life and my overall credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccuracies, including unauthorized accounts and information being reported. These erroneous entries have had a significant negative impact on both my life and my overall credit health.

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 2025-06-04 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: WI

Complaint narrative:
I am filing a dispute regarding a XXXX XXXX account ending in XXXXXXXX XXXX XXXX, which is being reported as a charge-off on my credit report. After reviewing this account, I found several inconsistencies and I have not received any documentation verifying its accuracy. 

To this day, I have not been given a copy of the original agreement, a breakdown of the charges, or any proof that justifies the current balance being reported. This account is negatively affecting my credit and Im requesting that it be fully investigated and either verified with proper documentation or removed entirely if it can not be substantiated. 

I am attaching the following to support my case : - A copy of my government-issued ID - A recent utility bill with my current address - A copy of my credit report showing the disputed account - A copy of the letter I sent to the credit bureaus I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I respectfully request a full and human review of this dispute. 

Thank you for your attention.

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 2025-06-04 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:
D

ispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX  Account Number : 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 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I was at the XXXX XXXX and a car hit the car my partner was driving. Among other mishaps, I lost my wallet where I carried my driver 's license, my social security card, and my debit card. I immediately called the bank and blocked the card and made an appointment to get my driver 's license again, and everything went back to normal. About a month ago, I started receiving letters that I don't recognize and proceeded to review my credit information, in which I could see that there are countless account numbers and reports that I don't recognize. This makes it clear that it is an identity theft due to the loss of my personal documents.

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 2025-06-04 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: FL

Complaint narrative:
This is my third formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) regarding a charged-off auto loan that remains inaccurately reported and unresolved. 

The company confirmed a charge-off on XX/XX/XXXX, yet refuses to issue IRS Form 1099-C as required under IRS XXXX XXXX. They continue reporting a balance with no evidence of collection activity, assignment, or legal right to collect. 

I have submitted five formal dispute rounds to XXXX and the credit bureaus : Round XXXX : XX/XX/XXXX Identity and debt validation Round XXXX : XX/XX/XXXX Inaccuracy challenge Round XXXX : XX/XX/XXXX Dispute over remaining balance Round XXXX : XX/XX/XXXX Demand for XXXX issuance Round XXXX : XX/XX/XXXX Request for vehicle sale or auction documentation XXXX has only responded through generic portal messages on the CFPB system. To date, they have failed to provide : A formal signed letter confirming the debt status Any documentation validating the reported balance Proof of repossession or vehicle sale IRS Form 1099-C Even if no interest or forgiveness had occurred, a consumer has the right to receive a formal written statement when requesting clarification regarding charged-off debt especially one involving potential tax implications. XXXX has not fulfilled this minimum responsibility. 

I am requesting : A signed, dated letter detailing the status of the debt The full vehicle sale or auction record Immediate issuance of IRS Form 1099-C Prior complaints submitted : CFPB Complaint # XXXX : XXXX CFPB Complaint # XXXX : XXXX FTC Complaint : Report # XXXX ( Filed XX/XX/XXXX ) This is my final administrative request. If XXXX continues to avoid accountability, I will file IRS Form 3949-A and pursue further legal action.

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 2025-06-04 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: FL

Complaint narrative:
This is my third formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) regarding a charged-off auto loan that remains inaccurately reported and unresolved. 

The company confirmed a charge-off on XX/XX/XXXX, yet refuses to issue IRS Form 1099-C as required under IRS XXXX XXXX. They continue reporting a balance with no evidence of collection activity, assignment, or legal right to collect. 

I have submitted five formal dispute rounds to XXXX and the credit bureaus : Round XXXX : XX/XX/XXXX Identity and debt validation Round XXXX : XX/XX/XXXX Inaccuracy challenge Round XXXX : XX/XX/XXXX Dispute over remaining balance Round XXXX : XX/XX/XXXX Demand for XXXX issuance Round XXXX : XX/XX/XXXX Request for vehicle sale or auction documentation XXXX has only responded through generic portal messages on the CFPB system. To date, they have failed to provide : A formal signed letter confirming the debt status Any documentation validating the reported balance Proof of repossession or vehicle sale IRS Form 1099-C Even if no interest or forgiveness had occurred, a consumer has the right to receive a formal written statement when requesting clarification regarding charged-off debt especially one involving potential tax implications. XXXX has not fulfilled this minimum responsibility. 

I am requesting : A signed, dated letter detailing the status of the debt The full vehicle sale or auction record Immediate issuance of IRS Form 1099-C Prior complaints submitted : CFPB Complaint # XXXX : XXXX CFPB Complaint # XXXX : XXXX FTC Complaint : Report # XXXX ( Filed XX/XX/XXXX ) This is my final administrative request. If XXXX continues to avoid accountability, I will file IRS Form 3949-A and pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I called the customer service number to tell them my escrow amount was incorrect. 
I called 7 times. I spoke to 2 managers. The one time they cancelled my " ticket : and did not tell me- I confirmed my insurance should be in my payment but the taxes should not be as I pay them in full. I also have e mailed them 2 times on their site with no response.

They - the man spoke to - the manager of the escrow department promised me by XX/XX/year> it would be correct. He was the XXXX person I spoke to. I have called weekly since the first week of XXXX. I made sure the call was being recorded. They are rude, not helpful, put me on hold for 20-30 minutes.

My mortgage was sold to them with out the taxes in the escrow, they should not put them in. I was told the money would be returned they are taking. I have no refund, no correction and I am very frustrated and mad. I told them I would be making a complaint. He told me to give him a week to correct it. Today is XXXX no correction. No follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: LA

Complaint narrative:
Complaint Summary for Kikoff Lending LLC ( Acct ending in XXXX ) : This complaint concerns inaccurate reporting by Kikoff Lending LLC on my credit file under account number ending in XXXX. The following issues were identified : - Balance is minimal ( {$80.00} ), but account is charged off and remains on report with inaccurate dates. 
- Payment history is inconsistent, and no validation of current status is shown.

- Suspected re-aging and improper update frequency for a small debt, violating 15 U.S.C. 1681c ( a ) ( 4 ).

These issues violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( reinvestigation ), 1681e ( b ) ( accuracy ), and 1681c ( reporting periods ). In some cases, 15 U.S.C. 1692g also applies.

I am requesting the removal of this inaccurate information and am demanding {$1000.00} in statutory damages under 15 U.S.C. 1681n for willful noncompliance. This letter is supported by an attached PDF documenting the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting inaccurate credit reporting by Equifax regarding an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The account was officially closed on XX/XX/XXXX, yet Equifax continues to report monthly late payments through XXXX, XXXX, and even XXXX. 

No payments have been due on this account since it was closed, and reporting it as late for multiple years afterward is false and misleading. 

I requested verification of the account status and the date of first delinquency but was not provided this information. 

This appears to violate the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate or re-aged reporting. I am requesting that the payment history be corrected to reflect accurate information only through the closure date in XXXX, and that all false delinquencies be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MD

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 2025-06-04 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: NM

Complaint narrative:
Experian, Equifax and Trans Union are ignoring my requests to investigate, verify and remove one account from my consumer credit reports/files that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Report XXXX I am a victim of identity theft and the following information on my credit report is inaccurate. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> Several different spelling of my name Several different addresses which are not mines. 
Incorrect phone numbers

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 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I was at the XXXX XXXX and a car hit the car my partner was driving. Among other mishaps, I lost my wallet where I carried my driver 's license, my social security card, and my debit card. I immediately called the bank and blocked the card and made an appointment to get my driver 's license again, and everything went back to normal. About a month ago, I started receiving letters that I don't recognize and proceeded to review my credit information, in which I could see that there are countless account numbers and reports that I don't recognize. This makes it clear that it is an identity theft due to the loss of my personal documents.

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 2025-06-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In XXXX, I opened a mortgage with XXXX XXXX, which was later sold to Carrington Mortgage Services ( CMS ). In XX/XX/XXXX, after being laid off, I proactively contacted CMS to request assistance before missing any payments. I was informed that I would not be eligible for any help until the account became delinquent. Once it did, the XXXX pandemic struck. 

During this critical time, CMS refused to provide any assistance, including forbearance or hardship programs and continued to demand payments I could not make due to my financial circumstances. Between XX/XX/XXXX and XX/XX/XXXX, XXXX committed multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), consistent with findings later identified by the Consumer Financial Protection Bureau ( CFPB ). I submitted documented evidence of these violations directly to CMS. 

As CMS continued to deny all requests for relief, I was ultimately forced to sell my home. After extensive discussions, CMS agreed to remove the mortgage account from all credit reporting agencies in exchange for full payment of the account and my agreement not to pursue legal action for the documented Fair Debt Collection Practices Act ( FDCPA ) violations. 

In XX/XX/XXXX, I sold the property, and the loan was paid in full as agreed. However, despite my compliance, CMS has failed to honor the agreement to remove the account from my credit reports. Over the last five years, I have made repeated attempts to communicate with CMS, all of which have been ignored. Furthermore, CMS has submitted inaccurate and misleading information in response to credit bureau disputes. 

This complaint represents a final good-faith effort to request that CMS honor the terms of our agreement and remove the mortgage account from all credit reporting agencies entirely. I upheld my side of the agreement by paying the account in full and refraining from legal action. If this matter continues to go unresolved, I will be left with no choice but to pursue legal remedies. 

Documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity and used it to open a car loan without my consent I never gave anyone my personal information or authorization to open these accounts. Inquiries are 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

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