vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Removal of Late Payment on Credit Report To whom it may concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute a late payment reported on my credit file in association with the following account : Creditor : XXXX XXXX XXXX Account Type : Automobile Loan Date Opened : XXXX  XXXX XXXX Monthly Payment : {$540.00} Current Balance : {$24000.00} Reported Delinquency : XX/XX/XXXX ( 30-59 Days Late ) I respectfully request that this late payment be removed from my credit report. I believe this delinquency to be either inaccurately reported or not properly verified. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), consumers have the right to dispute any information on their credit reports that is inaccurate, incomplete, or unverifiable. Upon receipt of this letter, TransUnion is required to conduct a reasonable investigation into the dispute within 30 days. If the creditor can not verify the accuracy of the late payment, it must be removed from my credit file. 

As a responsible consumer, I take my credit obligations seriously. I kindly ask that this late payment entry be reviewed and, if found unverifiable or inaccurately reported, deleted from my credit history as soon as possible. 

Attached you will find identification documents and a proof of address to assist with this dispute. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that the disputed late payment has been addressed and corrected accordingly. 

Sincerely, 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 2025-04-30 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: CA

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
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-04-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DreamSpring
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Authorized Agent for XXXX XXXX XXXX Living Estate Trust on behalf of XXXX XXXX XXXX XXXX XXXX Company Complained About : DreamSpring XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX.dreamspringXXXX Loan Servicing : ( XXXX ) XXXX -- - Issue Type ( XXXX ) : -Debt collection. 

-Failure to respond to dispute. 

-Attempt to collect debt not owed. 

-Unclear ownership of the debt. 

-Failure to provide written verification. 

-Inaccurate representation of loan status. 

-Suspicious or undisclosed transfer of debt. 
-- - Loan Details : -Original Amount : {$15000.00}. 

-Loan Date : XX/XX/XXXX. 

-Account Status : Disputed. 
-- - Summary of Complaint : -DreamSpring issued a business loan to XXXX XXXX XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX, their employee XXXX XXXX emailed the undersigned, stating the loan was being referred to collections. This communication caused legal, financial, and reputational harm, and triggered a legal dispute between XXXX XXXX XXXX and a school district ( AISD ), who had delayed payment of a key invoice tied to this loan. 

-Following that communication, DreamSpring contradicted itself and refused to confirm whether the loan had actually been sent to collections or sold. The company also refused to identify the alleged new holder of the loan or whether it remained a liability under DreamSprings own control. 

XXXX XX/XX/XXXX, I lawfully issued a Request for Accounting under UCC 9-210 and a dispute of the debt under 15 U.S.C. 1692g ( b ) ( FDCPA ), via certified mail with notarized declaration. Despite delivery confirmation, DreamSpring did not provide a complete accounting or verification of the debt. 

-Instead, they emailed a settlement offer during the active dispute window, offering to settle the account for {$6400.00}. This constitutes continued collection activity during an unresolved dispute, in violation of the FDCPA. 

-DreamSpring also refused to disclose to whom the loan was sold, pledged, or securitized. This raises serious questions about whether DreamSpring is : -Attempting to collect on a debt they no longer own. 

-Double-dipping on proceeds already received from sale or securitization. 

-Violating borrower disclosure laws regarding ownership and collection rights. 
-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized accounts and credit inquiries on my credit report. These accounts were not opened by me and appear to be linked to identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX {$25000.00} Opened on XX/XX/XXXX XXXX Secured Loan Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Opened on XX/XX/XXXX The unauthorized inquiries include : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries were added to my credit report without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The U.S. Supreme Court upheld a class-action lawsuit against XXXX  for improperly labeling consumers as potential XXXX XXXX XXXX XXXX without proper verification. The company was ordered to pay over {$60.00} million in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXXXXXX XXXX XXXX XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against XXXX XXXX XXXXXXXX ) The Consumer Financial Protection Bureau ( CFPB ) fineXXXX XXXX XXXX$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Accounts : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest defaulted on a lawful arbitration award and failed to apply a secured tender of payment related to XXXX # XXXX. Instead, they unlawfully repossessed a trust-owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about XX/XX/XXXX. 

A perfected lien has been recorded through XXXX # XXXX and XXXX # XXXX. Affidavits of Default, Arbitration Execution, and Theft of Trust Property were served. A {$100000.00} secured claim and $ XXXX invoice is active. 

I also filed police complaint # XXXX and recorded all filings with the Register of Deeds ( Order # XXXX ). Bridgecrest is in commercial dishonor and trust property theft. I demand return of the vehicle or full satisfaction of lien and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
On XX/XX/year> around XXXX I called credence resource the company who bought out my alleged debt. I kept asking for a detailed itemized report. I gave them my name, birthdate, social security number and address and they was having trouble finding any details about my account. They told me they was sending one with a settlement debt that would take 1-3 days to come through email. I received email on XXXX XXXX and it was just the debt settlement and not the detailed itemized report. 

On XX/XX/year> around XXXX I talked to XXXX XXXX XXXX customer support. I gave him my name, birthdate, social security number and address. He was having trouble finding my account details but after 90 minutes he found some information. He told me I would be sent a detailed itemized report by mail in 5-7 business days. Today is XX/XX/year> and I have not received any documents by mail with the information I have inquired about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Gurstel Law Firm, the attorney of record for XXXX XXXX XXXX regarding a lawsuit filed against me. I thought the debt and lawsuit was in regards to unpaid HOA dues and I communicated this to the attorney via email. They continued to communicate with me, not telling me that they were actually not connected to my hoa debt at all and that they were attempting to recover for a different debt. I paid the amount in full ( {$2500.00} ) on XX/XX/XXXX thinking I was bringing my hoa dues current. I found out on XX/XX/XXXX that I still had an HOA lien and now owe them {$2000.00}. This was legally deceptive and not appropriate practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX /ACCT # XXXX U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
Consumer complaint narrative Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. 


Inquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
Consumer complaint narrative Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. 


Inquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax

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 2025-04-30 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: FL

Complaint narrative:
Upon reviewing my consumer reports, I noticed that youre reporting negative information in the form of late payments to the consumer reporting agencies in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency.

Furthermore, under the Truth In Lending Act 15 USC 1666b ( a ) states that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, youve failed to perform your obligation to respect and protect my privacy.

Ive never granted you any lawful consent for you to disclose my nonpublic personal information to any nonaffiliated third party of yours nor was I given an explanation of how to exercise that nondisclosure option in accordance to 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
RE : Formal Complaint and Demand for Relief Harassment via Third-Party Contact To Whom It May Concern, This letter serves as a formal complaint against Consumer Portfolio Services , Inc. ( CPS ) for repeated and unauthorized contact with my personal references in connection to the above-referenced auto loan account. 

Their representatives have contacted my references multiple times, despite them having no legal responsibility for this debt. This has caused me significant emotional distress and embarrassment, and it has disrupted the lives of individuals who were never obligated or authorized to discuss or manage this account.

Contacting third parties more than once without permission ; Harassing or annoying third parties; Disclosing or implying the existence of a debt to anyone but the borrower.

I am requesting the following : Immediate cessation of all contact with my references and any third parties ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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