vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Hi, I had called XXXX because I was getting auto withdrawals on my account for a closed account around XXXX XXXX. XXXX then said that my XXXX XXXX line was never fully closed out. I had told them multiple times that it had been disconnected since XX/XX/year> and we had called for it. XXXX then proceeded to refund me the charges and I had paid my statments always by autopay never missed a bill. All of a sudden I dont get any notices or information and I see a credit report score hit on my credit report. I definently disputed the claim with XXXX XXXX had deleted it off my account but now it seems like another debt collection agency is doing the same and put another hit on my credit report. I am not associated in anyway to this debt and they keep targeting my credit score. I have all the information. I am not associated with this debt and I had paid my bills on time everytime with autopay at the end that XXXX even REFUNDED me back for the mischarges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: MS

Complaint narrative:
I am filing this complaint because a debt collector has illegally re-aged an old debt on my credit report, resetting the date of first delinquency without proper cause. I brought this violation to their attention and requested debt validation in writing, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts, I have received no response to my requests. This lack of response further violates my consumer rights, as debt collectors are obligated to validate the debt upon request and refrain from misreporting information to credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year>

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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I was exposed to a big deception, as I took out a car loan from Caravana Company, which was a used XXXXXXXX XXXX, for an amount of {$21000.00}, with a monthly installment of {$650.00}. However, after completing the deal, the details of which I was not aware of, it became clear that I had fallen into the trap of a big deception and a fat catch for Caravana. They took advantage of my lack of understanding of the English language to make it clear that I would pay, as they said, {$46000.00} in two and a half months, which is multiples of the amount, with astronomical interest. This is what I was not aware of. I believed, based on what they said, that I would pay the amount that attracted me to buy the car, which was {$21000.00}. Now I want to file a complaint against the company and look into the deal between us, of which they did not send me a copy or refinance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: PA

Complaint narrative:
I also tried to contest my kickoff charge off and was told this : Hi, Thanks for reaching out! My name 's XXXX and I hope you're doing well. 

We appreciate your concerns and would like to address them. 

Our responsibility involves furnishing information to relevant credit bureaus through the reporting of data. Kikoff strictly adheres to lending rules and regulations, compelling us to ensure the accuracy of payment information reported to credit bureaus. As a result of these regulatory obligations, it is not possible to remove Kikoff from your credit report.

We have sent multiple emails to the email address we have on file regarding the status of your account and the need to make a payment. Unfortunately, we have not received a response from you. 

We also have a XXXX card ending in XXXX on file, which was declined too many times. Please note that Kikoff is primarily a credit building service and does not offer credit cards or loans. The credit line is simply a reported credit line, and upon opening an account, a balance is charged on the credit line, resulting in monthly payments for 12 months. If the account was closed, the balance would clear out ; however, in your case, the account was closed due to charge-off. 

We are required to report accurate information to the credit bureaus as we adhere to strict rules and regulations. We apologize for any inconvenience this may have caused and appreciate your understanding in this matter. 

Thank you for your time, and please do not hesitate to contact us if you have any further questions or concerns. 
Thanks, XXXX | Kikoff Customer Support I wrote this originally : Hello, I am writing to formally dispute the charge-off reported on my Kikoff account.

I did not receive any card or loan disbursement and was not clearly notified that I needed to make manual payments on the subscription service. 

My understanding was this account was closed in XXXX and would not require further action. 

This negative reporting has now significantly harmed my credit. I respectfully request : A full investigation into this account Removal or correction of the derogatory remark since it is misleading or unfair under FCRA Please confirm receipt and let me know the results of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Im reaching out to dispute an account on my credit report that should never have been there in the first place. The account in question does not belong to me, and it's clear that my file has been mixed up with someone elses information which is completely unacceptable. 

I want to be very clear : I have XXXX connection to this account. I didnt open it, Ive never used it, and Ive never done business with this creditor. This is not a case of identity theft this is a case of your system incorrectly attaching someone elses account to my name, my credit report, and my financial profile. This is known as a mixed file, and it needs to be addressed 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate information reported on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the reporting of accurate information. Your continued reporting of this inaccurate data is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, including the reporting of inaccurate information. Furthermore, this is also a violation of the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1681b, which regulates the permissible purposes for credit reporting and mandates accuracy in reporting.

Despite my previous disputes, you have failed to correct or remove this information. This is an ongoing violation of my consumer rights, and I demand immediate correction or deletion of the inaccurate data as required by law. Failure to comply with these regulations will result in further legal action.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-06-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * * * * * * * * Date Opened XX/XX/year>

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 2025-06-18 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: NY

Complaint narrative:
After checking my credit report on XXXX, I discovered that there was an incorrect late payment reported for the XXXX XXXXXXXX loan account XXXX on XXXX. 
The XXXX was subsequently transferred to the XXXX XXXX XXXX company starting XXXX XX/XX/2021. The XXXX transfer window for mortgage service account transfers may have resulted in confusion with the computer on the collection of the XX/XX/2021 mortgage payment for loan # XXXX as the result of debt transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will include the letter from XXXX XXXX XXXX  servicing that outlines this situation and that I have 60 days to make that loan payment to the new mortgage servicing company XXXXXXXX XXXX 

I contacted XXXX XXXX about this matter and the refused to have the item removed from my credit report. Despite the fact that they logged the delinquency during the 60-day transition period for the loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which I was unaware of until the XXXX. 

I am writing to have this late payment item of the XXXX XXXX loan account XXXX on XXXX to be removed from my credit report.

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 2025-06-18 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: NY

Complaint narrative:
After checking my credit report on XXXX, I discovered that there was an incorrect late payment reported for the XXXX XXXX XXXX account XXXX on XXXX. 
The XXXX was subsequently transferred to the XXXX XXXX XXXX company starting XXXX XX/XX/year>. The XXXX transfer window for mortgage service account transfers may have resulted in confusion with the computer on the collection of the XX/XX/year> mortgage payment for loan # XXXX as the result of debt transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will include the letter from XXXX XXXX XXXX XXXX that outlines this situation and that I have 60 days to make that loan payment to the new mortgage servicing company XXXXXXXX XXXX 

I contacted XXXX XXXX  about this matter and the refused to have the item removed from my credit report. Despite the fact that they logged the delinquency during the 60-day transition period for the loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which I was unaware of until the XXXX. 

I am writing to have this late payment item of the XXXX XXXX loan account XXXX on XXXX to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against Resurgent Capital Services regarding a collection account for an alleged debt originally from XXXX XXXX XXXX XXXX. ( Account opened XX/XX/year> ; balance {$700.00} ). 

I previously disputed this account under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), requesting full validation. Despite this, the collector continues to report the account as " placed for collection '' without providing proper documentation or updated verification.

Additionally, the account is being reported as a " factoring company account, '' which misrepresents the nature of the original debt and may be misleading under FCRA 623.

I am requesting the CFPB to review this matter and ensure that the furnisher either provides full verificationincluding the original signed agreement and itemized accountingor immediately removes the account from all credit reporting agencies.

I also request a formal investigation into whether continued reporting without verification constitutes a violation of FDCPA 809 and FCRA 611 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Continued Reporting of Inaccurate Payment History and Failure to Verify Under FCBA and FCRA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau to report a violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). This complaint is submitted on my own behalf as a natural person.

Thirty-five ( 35 ) days ago, I submitted a direct dispute regarding the inaccurate payment history listed on my credit file. To date, I have not received any documentary evidence proving that the reported late payments are accurate, nor have I received a proper method of verification from the credit reporting agency or the data furnishers.

Under 15 U.S. Code 1666 ( b ) of the FCBA, I disputed these items due to potential billing errors, which include : Failure to accurately post a payment or credit Accounting or computation errors made by the creditor Failure to provide a minimum 21-day notice before assessing late fees or reporting a late payment to the credit bureaus Despite these concerns, the following open accounts continue to report late payments : Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting

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 2025-06-18 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Continued Reporting of Inaccurate Payment History and Failure to Verify Under FCBA and FCRA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau to report a violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). This complaint is submitted on my own behalf as a natural person.

Thirty-five ( 35 ) days ago, I submitted a direct dispute regarding the inaccurate payment history listed on my credit file. To date, I have not received any documentary evidence proving that the reported late payments are accurate, nor have I received a proper method of verification from the credit reporting agency or the data furnishers.

Under 15 U.S. Code 1666 ( b ) of the FCBA, I disputed these items due to potential billing errors, which include : Failure to accurately post a payment or credit Accounting or computation errors made by the creditor Failure to provide a minimum 21-day notice before assessing late fees or reporting a late payment to the credit bureaus Despite these concerns, the following open accounts continue to report late payments : Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting

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