vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
Subject : Request for Deletion Due to Incomplete and Misleading Reporting XXXX XXXX Account To Whom It May Concern, I am writing regarding the XXXX XXXX account that appears on my credit report.

Recently, it came to my attention that key remarks including Consumer disputes after resolution and Charged off account were removed from the reporting of this account between XX/XX/year> and XX/XX/year>. 

The removal of these remarks materially changes the nature of the reporting on this account. Under the Fair Credit Reporting Act ( FCRA ), credit information must be complete, accurate, and not misleading. As it currently stands, the reporting of this account is incomplete, and the prior serious derogatory notations having been removed creates a misleading depiction of the accounts history. 

Given the changes, I respectfully request the permanent deletion of this account from my credit file with your bureau. 
Please consider this request under both the FCRA and as a matter of goodwill, in recognition of the efforts made to resolve any previous disputes.

If this account can not be verified as fully complete and accurate, I request that it be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
This is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. Enclosed are the details of this account. 

By provisions of 15 US section 1681i of the fair credit reporting act, these items must be investigated. 

My account was charged-off numerous of times. The account closed XX/XX/year> but still reporting late payments from XXXX. I notice I have a 90 day late payment in XX/XX/year> but also in XX/XX/year> it's showing the status of " NR '' ( not reported ) I'm confused on which is accurate and which is not. My documents are provided for further review. 


Please delete this account because of the inaccurate information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I do not believe that the debt that is reported for the amount of {$1900.00} from Jefferson Capital Systems Llc is valid. It is showing as an open account which isnt correct if it is in collections and I did not authorize the release of my personal information to a debt company. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: UPGRADE, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute a charge-off account reported by XXXX on my credit report. I submitted a written request to the creditor asking for a copy of the IRS Form 1099-C, as I have reason to believe a cancellation of debt may have occurred. To date, I have received no response from the creditor.

According to IRS guidelines, when a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C. If this form has been issued, the debt is considered legally canceled and should not continue to be reported as a charge-off or outstanding balance. The creditors failure to respond to my request creates ambiguity around the legal status of the debt, and it raises concerns about the accuracy of the information they are furnishing to the credit bureaus.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit reporting agencies be accurate and verifiable. Given the lack of response from the creditor and cancellation of the debt, I believe this charge-off is not being reported accurately and may no longer be valid.

I respectfully request that the CFPB investigate this matter and ask the creditor to either provide documentation verifying the continued validity of this debtincluding whether a 1099-C was issuedor have the account removed from my credit report entirely in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
In a letter dated XX/XX/year>, reference ID : XXXX, Credence sent a letter attempting to collect a debt that is not owed to XXXX  mobile for {$100.00}. The collection letter was also sent to a relatives address ( with my name ) on an account that I used to be linked to but no longer am. That relative also does not owe anything to XXXX XXXX. XXXX  mobile has made billing errors in the past, but has since confirmed those were errors and assured me that I dont owe anything ( resolved over multiple calls to customer service ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
They violated the 7-7 rule. Called me 8 times in 7 day, 3 of those calls within 1 hour of eachother. When I answered to ask who tho is the rep replied its me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 



Unauthorized Inquiry ( XXXX ) : XXXXXXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) XXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I was approved for a forbearance the letter I received stated ended XXXX. I called my point of contact XXXX XXXX. In that phone call he said the forbearance ended XXXX XXXX at that time we can discuss partial claim or other payment options. He asked are you going to make a pymnt he said you are not required but if you can do so. I told him XXXX co borrower is trying to get funds from XXXX. He said No, need for that. Just call me back at the ending of my forbearance. I called left messages for my point of contact and NO RESPONSE... NOTHING. It's like he just disappeared. On XX/XX/XXXX I received a call from a realtor asking to buy my house because my property is in foreclosure. I was soooooo upset. I called Fay Servicing again a spoke with an agent she said maybe my point of contact was sick or just out of the office. I told her about the conversation between my point of contact and I. She stated he put in the notes there was nothing he can do. I was XXXX off yet again with the lies this main stated yet again. I told her someone needs to listen to that call between us. We talked about a partial claim she stated you could have asked anyone for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies. 

Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute. 

Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. 

The specific entries I am disputing are as follows : 1. XXXX XXXX XXXXXXXX- Late Payment Reported for XX/XX/2022 XXXX. XXXX XXXX XXXXXXXX - Late Payment Reported for XX/XX/2022 In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate. 

Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 15-day period mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my livelihood ability to obtain credit. This is a third-party and I do not recognize or authorized them.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I disputed the charges XXXX XXXXXXXX claimed I owed because they failed to provide clear, respectful answers to my questions about improper fees, my missing security deposit, and unexplained charges after move-out. Despite my requestsXXXX XXXX only sent repeated bills without proof justifying the charges. XXXX, the collection agency now handling the debt, is also refusing to address my disputes and is only offering the same bills while trying to collect a lower amount than XXXX originally claimed. This inconsistency suggests the debt may have already been paid by XXXX  and I have not received proper documentation or answers explaining why I allegedly owe anything. I am requesting the return of my {$150.00} deposit or a full documented breakdown justifying its withholding, along with the removal of this debt from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
American credit acceptance are so crooked. They are reporting that under XXXX different business names. They are also reporting incorrect information on my credit report along with reporting the wrong open dates. XXXX of my credit reports are saying American credit acceptance and the third one says XXXX XXXX XXXX. Under all three credit reports they are reporting that I opened my account at different dates. XXXX is XX/XX/year>, XXXX is XX/XX/year>, and XXXX is XXXX of XXXX. I opened my account in XX/XX/year>. I opened it with XXXXXXXX XXXX XXXXXXXX. I put XXXX down and paid my payment for. Some where along the way XXXX XXXX XXXX sold my account to this company and have not subtracted my down payment and the months I paid up until this account was sold. If XXXX credit report says open XX/XX/year> then Im missing payments from XX/XX/year> plus my XXXX down payment. 
If XXXX credit report says open XX/XX/year> then Im missing payments from XX/XX/year> plus my XXXX down payment. And last but not least if the last credit report says open XX/XX/year> then Im missing payments back to XX/XX/year> plus my XXXX dollar down. This crooked company is report bankruptcy on XXXX repossession on another and charge off on a third. I am going to sue this company like they were sued in New York. This company is obviously committing deceptive collection practices and false reporting to the credit bureaus. How hard is it to report the correct information the same to all three credit bureaus. Its not they know its not but they are using false reporting this way to stay on credit reports longer. I hate these people Im an XXXX XXXX service connected XXXX veteran for XXXX and back problems. This company has put me on the brink of wanting to walk off a cliff. Its no wonder they were sued in XXXX XXXX by the states attorney general. That will be where my next complaint will start. My states attorney general will be contacted next

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX * * * * * * Balance Owed : {$2300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$740.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$690.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding the misconduct of Mercedes-Benz Financial Services ( MBFS ), which has caused significant financial and reputational harm. The following outlines the specific dates, amounts, and actions that demonstrate MBFS 's deficiencies in billing and customer service, as well as the undue consequences that I have endured. 

On XX/XX/XXXX, I established auto bill pay through MBFS as instructed. However, my payments were not accepted or processed due to issues with MBFSs software system. I subsequently began submitting payments manually via XXXX Bank bill pay system. Despite ensuring timely payments, MBFS falsely alleged non-payment and imposed unjust late fees totaling {$1200.00}, accompanied by reports of these alleged failures to credit reporting agencies. These actions have severely damaged my previously excellent credit history, despite my proven compliance with payment schedules. I have provided documentation from XXXX Bank, confirming that payments were successfully processed on their end and that the issue lies with MBFS 's payment system. Communication ID XXXX I formally withdrew from the auto bill pay system to prevent further complications and continued sending payments solely through XXXX bill pay. Despite this adjustment, MBFS 's technical issues persisted, further complicating my ability to manage payments. Additionally, I submitted written complaint letters on * * XX/XX/XXXX * *, and * * XX/XX/XXXX * *, but MBFS has failed to offer a satisfactory resolution to my concerns. 

Beyond the billing issues, I have experienced significant mechanical problems with a certified pre-owned * * XXXX XXXX XXXX * *, purchased under MBFS financing. Recurring mechanical failures, which I have raised with local XXXX XXXX XXXX are inconsistent with the standards expected from certified vehicles and have added to my distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
World Finance has a revolving account against me closed or in charge of accounts that are old and was charged off years ago ( 2023 ) I need these accounts deleted and removed off my report for the life of me. These are having a major impact on my life and financial. Please remove all closed, revolving, charged off. ACCCORDING to the Law they are to be removed and deleted.

Company response to consumer: Closed with explanation