vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dear XXXXXXXX XXXX XXXX, I am writing to formally dispute the alleged debt that your company is attempting to collect from me. I have no knowledge of this debt, and I do not believe that I owe it. 

I am requesting that you immediately cease all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

Furthermore, I demand that you provide me with written verification of this alleged debt. This verification must include : The name of the original creditor. 

The original account number. 

A copy of the original contract or other documentation that allegedly establishes my obligation to pay this debt. 

I am also aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), a federal law that protects consumers from abusive debt collection practices. Specifically, I draw your attention to the following : 15 U.S. Code 1692e - False or misleading representations : This section of the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing the character, amount, or legal status of any debt.

15 U.S. Code 1692e ( 8 ) : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

I insist that you investigate this matter thoroughly. If you can not provide valid and complete verification of this alleged debt, you must : Immediately cease all collection efforts against me. 

Send me written confirmation that the debt has been removed from my account and that no further attempts to collect it will be made. 

If this debt has been reported to any credit reporting agencies, take immediate action to have it removed from my credit report. 

Failure to comply with this request may result in me filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the [ Your State ] Attorney General 's Office, and/or pursuing other legal options to protect my rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXXXXXX, I am writing to formally dispute the alleged debt that your company is attempting to collect from me. I have no knowledge of this debt, and I do not believe that I owe it. 

I am requesting that you immediately cease all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

Furthermore, I demand that you provide me with written verification of this alleged debt. This verification must include : The name of the original creditor. 

The original account number. 

A copy of the original contract or other documentation that allegedly establishes my obligation to pay this debt. 

I am also aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), a federal law that protects consumers from abusive debt collection practices. Specifically, I draw your attention to the following : 15 U.S. Code 1692e - False or misleading representations : This section of the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing the character, amount, or legal status of any debt.

15 U.S. Code 1692e ( 8 ) : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

I insist that you investigate this matter thoroughly. If you can not provide valid and complete verification of this alleged debt, you must : Immediately cease all collection efforts against me. 

Send me written confirmation that the debt has been removed from my account and that no further attempts to collect it will be made. 

If this debt has been reported to any credit reporting agencies, take immediate action to have it removed from my credit report. 

Failure to comply with this request may result in me filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the [ Your State ] Attorney General 's Office, and/or pursuing other legal options to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XX/XX/year> and XXXX calls and letters to settle debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-05-07 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
i had XXXX XXXX XXXX gave me 15 days to return the device and not get charged any money but they still charged me money. then southwest credit sys puts XXXX dollar collection on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The vehicle was repossessed in XXXX and was sold. However, the vehicle is still showing up on my credit report with the balance of {$24000.00} and is continuing to charge interest. I am extremely concerned about this as it is causing major hardship. This account has been on my credit report since XXXX and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XXXX XXXX  {$710.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * {$170.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * {$630.00} Date Opened : XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-07 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:
This is now the second time in a matter of one year that this has been an issue with this credit bureau. I don't see how they can't see facts that I submitted to them from the creditors website Showing multiple payments! On the first dispute that didn't change I asked them to furnish me with details on how they came up with their information from their investigation. They never did. So I submitted another dispute. They still have my account listed as {$570.00} past due with XXXX XXXX XXXX and my last payment says {$0.00}. Also have it listed as more than 30 days late. None of these things are correct. Not one single thing! I disputed this item twice in the matter of 60 days and they never changed it. Clearly they never investigated. TransUnion seems to be the only credit bureau who has an issue with this kind of stuff. This has caused my credit score to go down significantly more than XXXX points. I really don't understand where the problem is. I provide proof that should be enough.

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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: OH

Complaint narrative:
A bill for ambulance services from XXXX XXXX XXXX # XXXX for {$1100.00} was sent to Commercial Acceptance Collections and is now in my credit report. I did not receive ambulance services and do not reside at the address the collection agency had on file. I called the collection agency and filed a dispute. I filed a dispute with all XXXX credit bureaus. I can not get in touch with the ambulance service. This is not my debt and I never received these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX, trustee XXXX XXXX XXXX XXXX, MI XXXX JPMCB Auto Chase Auto Finance XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Failure to Report Paid Auto Loan FCRA Violation Dispute Account No ( XXXX ). : XXXX and XXXX To Whom It May Concern : I am writing to dispute the failure to report a positive, paid-off auto loan account that was financed through your institution. Despite having fully satisfied all payment obligations and paid the loan in full, this account does not appear on any of my credit reports with TransUnion, Equifax, Experian, or XXXX as of [ Insert Most Recent Credit Report Date ]. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal duty to report accurate and complete information. By failing to furnish data about a positive, closed, paid-as-agreed auto loan, you are causing significant and demonstrable harm to my credit profile by omitting valuable payment history, which would positively affect my creditworthiness under all major scoring models ( including FICO XXXX and XXXX XXXX ). 

This omission is considered a form of indirect inaccuracy under FCRA 1681i and 1681s-2 ( b ), particularly as Chase XXXX XXXX XXXX other credit accounts and had a continuing obligation to update tradeline information upon account closure and satisfaction. 

Harm and Consumer Rights : Positive payment history and account closures in good standing are material elements of credit scoring and underwriting decisions. By not furnishing this data, JPMCB Auto is engaging in a practice that suppresses credit potential and XXXX misrepresent my financial reliability to potential creditors, insurers, or landlords. This may also constitute an unfair practice under MCL XXXX and XXXX XXXX under Michigan law. 

Formal Request : I am requesting that you : XXXX. Immediately furnish accurate and complete information regarding the auto loan account to the major credit reporting agencies ; XXXX. Ensure the account is reported as : Paid in Full Closed Paid as Agreed With accurate open and close dates, payment history, and XXXX balance ; XXXX. Confirm in writing that these corrections have been made ; XXXX. Provide me with a copy of the tradeline data reported. 

If I do not receive confirmation and corrective action within XXXX business days, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Michigan Department XXXX XXXX and XXXX XXXX ( DIFS ), and Consider legal action for negligent or willful noncompliance under FCRA XXXX and XXXX. 

This is a good faith effort to resolve the matter without escalation. Please correct this serious reporting oversight immediately. 

Sincerely, XXXX XXXX, trustee

Company response to consumer: Closed with explanation