vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I informed this company several times via certified Mail that this account is Fraudulent. I Have provided documents to this company multiple times in regards to this matter. This company is consistently reporting false and misleading information to the credit Bureaus and these 3 Credit bureaus are acting in concert with this company to report False and Misleading Information. I have gone through the proper Procedures on placing both the allege creditor and reporting Agencies on notice several Times in regard to this matter. The credit Reporting refuses to perform a legitimate investigation and is intentionally reporting false and misleading information which is Damaging my Reputation and credit worthiness. This BMW company is now in violation of several federal Laws including Deceptive Business Practices. This company is refusing to validate any valid claim proving that this information is verified as accurate. I asked the company to show me the exact process that was performed to make such a determination and I have been ignored consistently. The amount that this company is currently claiming is owed is {$14000.00} which is not Correct.This account has recently been reported on XXXX-2025 and they Continue to ignore my request. Litigation will in fact be my next option if this matter is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/2024 XXXX  Date of inquiry : XX/XX/year>2024 XXXX  Date of inquiry : XXXX/XXXX/2024

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 2025-08-17 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: MD

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/2024 XXXX  Date of inquiry : XX/XX/year>2024 XXXX  Date of inquiry : XXXX/XXXX/2024

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 2025-08-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and 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 explanation
Consumer complaint received 2025-08-17 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: I.C. System, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by multiple debt collectors and debt buyers who are inaccurately and unlawfully reporting accounts on my credit reports.

Despite sending formal disputes and debt validation requests, these entities have continued to : Report unverifiable debts, Fail to provide validation documentation, Ignore cease-and-desist notices, and Continue collection activity in violation of federal law.

II. Disputed Debt Collector Accounts The following accounts continue to appear on my Equifax, Experian, and TransUnion reports : Portfolio Recovery Associates Debt Buyer Account, Balance : {$2300.00} Status : Collection account, opened XX/XX/year> XXXX XXXX XXXX ( multiple accounts ) Acct XXXX XXXXXXXX Balance : {$1500.00} | Original Creditor : XXXX XXXX  Acct XXXX XXXXXXXX Balance : {$1400.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXX Balance : {$1100.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX  XXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX XXXX XXXX 

XXXX XXXX ( XXXX XXXX ) Balance : {$740.00} Status : Collection account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX I.C. System Inc. 

Balance : {$260.00} Status : Collection account | Original Creditor : XXXX XXXX III. Basis of Complaint 1. FCRA Violations ( 15 U.S.C. 1681e, 1681i ) Failure of furnishers and credit reporting agencies to maintain maximum accuracy. 

Failure to conduct proper reinvestigations despite my disputes. 

Failure to provide results and corrected reports within statutory timelines.

Continued reporting of accounts marked as Consumer disputes this account without resolving the inaccuracies.

2. FDCPA Violations ( 15 U.S.C. 1692g, 1692c, 1692e ) Failure to provide debt validation within 30 days of dispute.

Continued collection activity ( including credit reporting ) without validation. 

Ignoring cease-and-desist requests. 

Reporting and attempting to collect without producing a chain of title or proof of ownership of debt.

Case law such as Green v. Portfolio Recovery Associates , LLC establishes that debt buyers must prove continuous chain of assignment, which has not been provided here.

3. Deceptive & Unfair Practices The continued reporting of unvalidated debts constitutes deceptive practices under the FTC Act ( 15 U.S.C. 45 ) and violates CFPB Regulation F ( validation notice and reporting requirements ).

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding issues I am experiencing with the three major credit reporting agencies : XXXX XXXX and XXXX. 

I have contacted all three agencies to update my personal information, including my address and telephone number. Despite my efforts, these updates have not been properly reflected or corrected across all reports. I would appreciate your help in ensuring that my personal information is accurately updated. 

Additionally, I have discovered accounts on my credit reports labeled XXXX XXXX, XXXX XXXX  and XXXX, which I do not recognize and have no records or prior knowledge of. I believe these accounts may be the result of identity theft, and I am concerned about the impact they may have on my credit history and overall financial well-being. 

I respectfully request that an investigation be initiated into these matters. Please advise me on the appropriate steps to take in resolving these discrepancies and removing any fraudulent accounts from my credit reports. 

Attached you will find copies of my correspondence with the credit bureaus, as well as any supporting documents relevant to my claims. Please do not hesitate to contact me if additional information is needed. 

Thank you for your attention to this matter and for your continued work in protecting consumers like myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westcreek Financial
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding issues I am experiencing with the three major credit reporting agencies : XXXX XXXX and XXXX. 

I have contacted all three agencies to update my personal information, including my address and telephone number. Despite my efforts, these updates have not been properly reflected or corrected across all reports. I would appreciate your help in ensuring that my personal information is accurately updated.

Additionally, I have discovered accounts on my credit reports labeled XXXX XXXX, XXXX XXXXXXXX, and Koalifi, which I do not recognize and have no records or prior knowledge of. I believe these accounts may be the result of identity theft, and I am concerned about the impact they may have on my credit history and overall financial well-being.

I respectfully request that an investigation be initiated into these matters. Please advise me on the appropriate steps to take in resolving these discrepancies and removing any fraudulent accounts from my credit reports. Attached you will find copies of my correspondence with the credit bureaus, as well as any supporting documents relevant to my claims. Please do not hesitate to contact me if additional information is needed. Thank you for your attention to this matter and for your continued work in protecting consumers like myself.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3700.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Target / TD Bank and XXXX XXXX ( debt collection company ) regarding inaccurate and misleading credit reporting. 

Target has stated that the account in question was charged off and is now being handled by the debt collection company XXXX XXXX. However, this is not accurately reflected on my credit report. Instead, the account continues to report as charged off month after month, which is misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

A charge-off is a one-time accounting event and should not be reported repeatedly each month as if it is ongoing. This practice makes it appear as though new negative activity is happening, which is inaccurate and damaging. In addition, although Target has confirmed that the debt has been transferred to XXXX XXXX, my credit report does not reflect that the account has been transferred, sold, or updated to show a new debt collector. Instead, it continues to report incorrectly. 

I have written to Target / TD Bank six times to resolve this issue, but they have failed to correct the reporting. This constitutes continued reporting of false and inaccurate information to TransUnion and Equifax. 

What I am requesting : A full investigation into why Target/TD Bank continues to report the account as charged off month after month. 

Correction of my credit report so that the account is accurately reflected ( charge-off noted once, not repeated each month ). 

Updated reporting to reflect the transfer of the account to XXXX XXXX, if they are in fact the current debt owner/collector. 

Written confirmation of the corrections made. 

Target / TD Banks continued misreporting is harmful, misleading, and a violation of my rights under the FCRA and potentially the FDCPA. I request that this matter be investigated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I requested full debt validation of the debt and received billing statements, However, billing statements alone do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and 15 U.S.C. 1692g ( b ) nor do they provide sufficient evidence of your legal ownership or authority to collect this debt.

I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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