vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/year> {$500.00}

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 explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/year> {$500.00}

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 2025-04-23 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX * * To : * * * * Experian * * XXXX  XXXX XXXX XXXX, TX XXXX * * Equifax * XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX * * TransUnion * XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX * * Subject : * * Formal Dispute Re-Aging and Inaccurate Reporting of Charged-Off Account ( XXXX by XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the continued inaccurate and unlawful reporting of a charged-off account that appears on my credit reports maintained by * * Experian, Equifax, and TransUnion XXXX *. 

* * Creditor : * * XXXX by XXXX XXXX * * Account Number : * * XXXX This account has been reported as * * charged off * * on a * * monthly basis * *, which is not only factually inaccurate but also constitutes * * illegal re-aging * *. By continuously updating the charge-off status, you are effectively resetting the timeline for how long this account can legally remain on my credit report. This is a deceptive and damaging practice that violates my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * * and reflects a pattern of willful noncompliance. 

I previously disputed this issue and clearly communicated the errors in how this account is being reported. Despite that, the reporting remains unchanged. Experian, in particular, continues to update the charge-off status each month, which is misleading and has a direct negative impact on my creditworthiness. 

This letter serves as formal notice that : - The account must reflect the * * accurate date of first delinquency * * and * * cease monthly charge-off reporting * *, - Or the account must be * * completely removed * * from my credit reports. 

If this account is not corrected or deleted immediately, I will take * * legal action * * against each credit bureau involved. I will seek full remedies allowed by law, including * * actual damages, statutory damages, attorneys fees, and punitive damages * * for the willful and negligent harm done to my credit profile. 

I expect this matter to be thoroughly investigated and resolved without further delay. I am keeping detailed records of all correspondence and will submit a formal complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * * and other regulatory bodies if necessary. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX * * To : * * * * Experian * * XXXX  XXXX XXXX XXXX, TX XXXX * * Equifax * XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX * * TransUnion * XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX * * Subject : * * Formal Dispute Re-Aging and Inaccurate Reporting of Charged-Off Account ( XXXX by XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the continued inaccurate and unlawful reporting of a charged-off account that appears on my credit reports maintained by * * Experian, Equifax, and TransUnion XXXX *. 

* * Creditor : * * XXXX by XXXX XXXX * * Account Number : * * XXXX This account has been reported as * * charged off * * on a * * monthly basis * *, which is not only factually inaccurate but also constitutes * * illegal re-aging * *. By continuously updating the charge-off status, you are effectively resetting the timeline for how long this account can legally remain on my credit report. This is a deceptive and damaging practice that violates my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * * and reflects a pattern of willful noncompliance. 

I previously disputed this issue and clearly communicated the errors in how this account is being reported. Despite that, the reporting remains unchanged. Experian, in particular, continues to update the charge-off status each month, which is misleading and has a direct negative impact on my creditworthiness. 

This letter serves as formal notice that : - The account must reflect the * * accurate date of first delinquency * * and * * cease monthly charge-off reporting * *, - Or the account must be * * completely removed * * from my credit reports. 

If this account is not corrected or deleted immediately, I will take * * legal action * * against each credit bureau involved. I will seek full remedies allowed by law, including * * actual damages, statutory damages, attorneys fees, and punitive damages * * for the willful and negligent harm done to my credit profile. 

I expect this matter to be thoroughly investigated and resolved without further delay. I am keeping detailed records of all correspondence and will submit a formal complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * * and other regulatory bodies if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-23 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I'm selling my vehicle, which I paid off in XXXX. I hadn't noticed until now that the name of the finance company appears on the title. When I went to the Wisconsin DMV to complete the transfer process, they told me that the transfer couldn't be completed because the name Westlake Financial appeared on the vehicle title and that they needed to release the title. I immediately contacted the finance company on XX/XX/XXXX to explain the DMV 's information about the process. They agreed to complete the necessary procedures and later they sent me a notarized letter stating that they were no longer the lenders on the vehicle. I took this sealed letter to the DMV, where they informed me that they could do nothing with this document since the finance company was responsible for electronically releasing the title. I called the finance company again on XX/XX/XXXX, requesting that they please complete the release process as soon as possible since I was selling my vehicle and needed this matter resolved. They told me they would do everything necessary, stating that they had already sent this request to the title department and that I should wait 48 hours. I called the DMV again to check if the finance company had already released their name from the car title, and they told me that their name still appears on the title. I contacted the finance company again on XX/XX/XXXX to explain that I'd been waiting for the title to be released, and that their name still appeared on it. They told me they had already requested it. I explained what they needed to do again, and they told me to wait 48 hours again. After that period of time, I called the DMV to check the status, and they told me the finance company still appears on the title. I contacted them again on XX/XX/XXXX and asked if they had an email address I could send them information about the process the DMV had sent me. Apparently, they didn't understand the process they were supposed to follow, but they told me they couldn't give me an email address and that they knew what to do. A few days later, I called the DMV, and they told me everything was the same and that they hadn't released the title yet. I last contacted them on XX/XX/XXXX and asked if they had an email address where I could send them information about the process they'd sent me. Apparently, they didn't understand the process, so I sent them information about who they should contact if they didn't know how to release the title. I contacted the DMV again today XX/XX/XXXX, and there's still no change to what I mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

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 2025-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA XXXX ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sparrow Financial, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I added my bank account information through the sparrow app using fincity to link my account to their app. The bank that I chose to link up with is XXXX XXXX XXXX I have XXXX checking accounts and a savings account. On that day I linked both of my checking accounts but I noticed that it wasn't showing the last digit of each of the accounts so I deleted them and added just the one I had funds in and wanted the payment to come out of. The app still didn't select the last digit of the account that I wanted to pay with but because during the selection process I chose the account with the money in it and the correct account I thought the payment that I later scheduled to come out would come out of the correct account. Well that did not happen, instead it tried to take it out of my other checking account that I didn't have any funds in. The next morning XX/XX/year> I woke up to an email saying my payment was returned and a fee of {$30.00}. I called Sparrow and spoke with a main customer service rep and a supervisor and they would not waive the fee even though I have video and picture documentation that finicity and sparrow has some type of glitch when it comes to pulling my checking account information over. The supervisor stated that he was going to have XXXX of their departments email me so I could report the glitch but they still would not credit me for the issue they had on their system. Their reasoning for this was because I requested a refund for a late payment I had in XXXX but that was irrelevant to this issue.They also lied and said someone would contact me and its a month later and I haven't heard anything yet. The rep even added my payment method manually over the phone but til this day it has yet to show up as an option to pay via the online or mobile portal. I had made my payment early but their system glitched and they won't own up to it or fix the issue. I just want the {$30.00} to be credited and they need to fix it where I can pay with my bank account instead of my debit card only. Also this company reports a month behind to the credit bureaus and they are sometimes late doing that. I highly don't recommend them. I have also included images showing how the linking process is and what the last XXXX of my account number is and how it reflects on their app versus what I see on my banks app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This letter is a formal notice requesting validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute inaccurate information being reported to the credit bureaus. 
I do not recognize this debt and do not believe I owe any money to XXXX XXXXXXXX XXXX, the alleged original creditor. Therefore, I am requesting the following : 1 Complete validation of the debt, including : A copy of the original signed agreement bearing my signature.

A detailed payment history showing how the amount of {$8900.00} was calculated. 
The name and address of the original creditor. 
A complete chain of assignment, including all documents showing the transfer or sale of the alleged debt to NATIONAL CREDIT SYSTEM. 
Proof that NATIONAL CREDIT SYSTEM is legally authorized to collect this debt in my state. 
2 Immediate cessation of all collection activities, including any credit reporting, until the debt is fully validated.

3 Immediate removal of this account from all consumer credit reporting agencies, as this debt does not belong to me and is causing undue harm to my credit profile. 
Please be advised that continuing to report inaccurate information without proper verification may constitute a violation of the FCRA, and continued attempts to collect a debt not owed may violate provisions of the FDCPA. Both carry legal consequences, including potential damages.

If this account is not removed and the requested information not provided within 30 days of receipt of this letter, I will consider all available remedies to protect my rights, including filing complaints with the Federal Trade Commission, and my State Attorney General, as well as exploring legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
This account was charged off on the following date, XX/XX/year>, XXXX XXXX Account XXXX XXXXXXXX, since then the account has been repeatedly been updated as charged every month. This is a update in the payment history. A charged off should NOT include an active payment history. this inaccurate information falsely manipulates the statute of limitations and a direct violation of 15 US Code 1681e, section B Experian and Transunion please remove this account 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
This company- Jefferson Capital Systems, is reporting a debt that I have challenged on the credit report as not mine. 
They refuse to provide me a clarification as to why they still want to show this debt as mine. 
They claim the debt is from a company called XXXX, which I was unaware of. 
There is another similar account from XXXX on my report. 
XXXX reports for the same disputed account. 

I am requesting they stop reporting this on my report and delete from all XXXX bureaus. 

After my complaint to Transunion, they agreed to remove this incorrect collection. 

The actions taken by this company- Jefferson Capital Systems, could be in violation of the FDCPA. 

I am requesting a quick response to my request. 

Under the FCRA, all debts that can not be validated within 30 days should be removed. I have already spent more than 30 days dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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