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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a {$330.00} collection account with TransUnion that is related to a XXXX rebate charge I do not owe. I submitted the dispute XXXX, and both times TransUnion marked the item as verified within just a few days without providing any documentation or explanation. 

The original creditor, XXXX, confirmed in writing that they can not produce the terms or agreement that allegedly justify the charge. 

Both XXXX and XXXX conducted proper reinvestigations and have now removed the collection from my credit reports. TransUnion, however, continues to report the account, despite having been given the same information and multiple opportunities to correct the error. 

This failure to conduct a reasonable investigation is a violation of the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ). My next step will be filing a legal claim against TransUnion for statutory damages under the FCRA if the tradeline is not removed immediately.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> WAKEFIELD & ASSOCIATES XXXX department # XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation Under the FDCPA To Whom It May Concern : I am writing in regard to a collection account that appears on my credit report, listed under your companys name. I do not recognize this debt and request that you provide validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : The original creditors name and address The amount of the debt, including a breakdown of fees or interest- in my account it shows {$640.00} Documentation bearing my signature or other evidence that I am legally obligated to pay Proof that your agency has the right to collect this debt If you are unable to provide this information, I request that you cease collection activity and remove this item from my credit report. While this matter is being investigated, please note that I am requesting that this account be marked as disputed on any credit reports to which you have reported. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

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: EQUIFAX, INC.
State: OH

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 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$500.00} Balance updated XX/XX/year> Original balance {$500.00} Account info Account number XXXX Date opened XXXX XXXX XXXX Account type Collection Status Collection account. 

Status updated XXXXXXXX XXXX

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: GA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1500.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$21000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1600.00}

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX2021. I was allowed to leave the dealership with the vehicle even though, to my knowledge, no finalized financing agreement had been signed. A few days later, I received a phone call at work from the dealership telling me there was a contract issue and I needed to return. When I did, I was told to sign new paperwork with a different lender Exeter Finance under rushed conditions. I was never clearly told the loan terms or interest rate, and I was pressured to sign quickly. 

I later discovered I had been locked into a loan with a 24.1 % APR and a {$3000.00} service contract charge that I was never told about or offered. I never received any warranty paperwork or coverage details, and I never authorized or knowingly signed any service contract agreement. I feel that I was taken advantage of due to my credit situation and that the dealership used unethical and deceptive financing practices, also known as yo-yo financing.

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: CA

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section XXXXB of the FCRA ( 15 U.S.C. 
XXXX ( a ) ), I request that these accounts be blocked and removed within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
I am filing this complaint against Leviton Law Firm LTD and XXXX XXXX XXXX  due to repeated and abusive collection attempts on an alleged debt that I already disputed and requested validation for. 

They continue to contact me despite a prior written demand to cease all communications. They have sent multiple emails demanding different amounts first {$570.00}, then {$780.00} with no legal documentation, no signed agreement, and no breakdown of charges. 

Their behavior is deceptive, unprofessional, and a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). They have failed to provide any legal proof of the debt and are harassing me with inconsistent demands and intimidation tactics. 

Furthermore, they are attempting to tie this to my personal credit and my business ( XXXX XXXX XXXX XXXX ), without any legal basis or verified commercial contract. This has created unnecessary stress, harmed my business reputation, and constitutes misreporting and damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This collection agency has already been removed from my credit report numerous times. It says the account was opened XXXX 2025. I've had a fraud alert on my reports for a year and don't understand how they were able to breach my credit report. I supplied the credit reports the emails I received from Att stating that my information was compromised. I submitted these emails several times. Also, I have copies of all the disputes regarding this collection, going back years! So how was the collection opened or obtained in 2025, when it has been removed several times years ago. I need them to cease and disist on trying to collect on an account that has been removed from my report years ago, several times because of a breach.

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: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. CXXXXe XXXXi ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account MIDLAND CREDIT MANAGEMENT XXXX Im unaware of this debt and did not have the opportunity to dispute the account if you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bilt Technologies, Inc.
State: MD

Complaint narrative:
Complaint Against : Bilt Payments LLC ( NMLS ID XXXX ) Date : XX/XX/year> Issue : Irresponsible Payment System Design & Lack of Support Access XX/XX/year>, I attempted to pay rent for XXXX separate properties I legally sublease using the Bilt / Residence Experience platform. I needed to use a different credit card, which is under another person 's name and billing address. Although the Bilt platform allows the card to be added and used for a payment attempt, the transaction is declined due to the name and address mismatch, something Bilt does not disclose clearly upfront.

More importantly, Bilt offers no way to update the billing address or cardholder name. Even after removing the card from the payment screen, it remains permanently attached to my account with no option to fully delete or correct the information. This creates confusion, exposes users to risk, and lacks the basic functionality expected from a financial platform that handles critical housing payments.

I spent over two hours across mobile and desktop platforms trying to resolve the issue. I clicked Contact Us on their website and was met with a system error that read : Application error : a client-side exception has occurred. The chatbot in both the app and website only supports inquiries about the Bilt Mastercard and refused to assist with rent-related payment issues. It referred me to my bank, completely irrelevant to the root cause.

I then contacted the leasing office, which also had no way to reach Bilt support directly. Their only suggestion was to bring a physical cashiers check to the leasing office in XXXX, TX. I live in XXXX, MD, making this request unreasonable and logistically impossible on short notice. 

Because of Bilts flawed payment design and failure to provide accessible customer support, my rent payments are further delayed, and I am now at risk of late fees and damage to my rental history, despite doing everything in my power to pay on time. I have never been late on rent before. Bilts negligence may result in irreparable harm to my perfect payment record, and I fear that other renters may be experiencing similar issues without resolution. 

This is a serious breach of financial responsibility. Bilt Payments LLC is facilitating rent transactions, yet it lacks the basic tools and safeguards needed to ensure timely, accurate, and secure payments. Their system is not only broken, its dangerous to consumers.

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

Complaint narrative:
I am disputing negative accounts being inaccurately reported on my credit file. Under FCRA 602 ( a ) ( 4 ), consumer reporting agencies are required to act with fairness, impartiality, and respect for consumer privacy. Yet, your failure to provide any verifiable method of investigation demonstrates noncompliance with this mandate.

Experian has already completed their investigation and removed these exact accounts from my credit file, confirming their inaccuracy and unverifiable status. The fact that TransUnion continues to report these accounts despite being notified of their disputed nature is negligent and harmful.

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: CA

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and need help removing these fraudulent stuff off of my accounts immediately

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, hereby request to EQUIFAX the correction of my personal information in your database. 
Specifically, I request the removal of the following addresses, names and phone numbers, from my credit history : Address : Date Reported : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Current XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Former XX/XX/XXXX I base my request on the following articles of the Federal Consumer Protection Law ( LFPC ) and the Law to Regulate Credit Information Societies ( LSIC ) : Article 76 of the LFPC : " Providers of goods or services must provide truthful and timely information to consumers. '' Article 15 of the LSIC : " Credit information societies must maintain consumers ' credit information updated and complete. '' Attached to this letter, as proof of my request, is a copy of my official identification and the documents that support my petition. 
Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX I request that you verify the spelling of my name and match it with my Social Security Number and date of birth to ensure the accuracy of the information reported. 
Once the incorrect addresses have been removed from my credit report, please send me an updated credit report

Company response to consumer: Closed with non-monetary relief