vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Attn : Collections/Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX RE : Immediate Removal of Transferred Debt Account # [ XXXX ] To Whom It May Concern : This letter serves as a formal demand for the immediate removal of a debt associated with the above-referenced account that XXXX XXXX XXXXXXXX has transferred or sold to a third-party collection agency. Let me be clear : XXXX XXXX XXXXXXXX no longer owns this debt. Therefore, you have no legal standing to report, collect, or reflect any balance related to this account on my credit report. Despite this, your company continues to : Report this account as charged off or past due, Show a balance due even though the debt was sold or settled, Duplicate the debt entry alongside a third-party collector on my credit report, which is misleading and unlawful. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Reporting a debt you no longer own while another party is also reporting it constitutes false and duplicative reporting, designed to damage my credit. You are now on notice effective immediately : Full deletion of this account from all consumer credit reporting agencies ( XXXX XXXX XXXX ) ; A cease and desist of any further communication regarding this matter ; Written confirmation that you have removed this invalid reporting within 15 days. If you fail to comply, I will not hesitate to take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) ; Notify my state Attorney Generals office ; Initiate a lawsuit for violations of federal consumer protection laws, including but not limited to inaccurate credit reporting and emotional distress caused by false collection practices. You had your chance to collect. You sold the debt. XXXX done. Fix your reporting. Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  has violated my rights under the FCRA and submitted incorrect information on my Experian 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 explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
XXXX XXXX is erroneously reporting ( 3 ) erroneous accounts on my XXXX  and Trans Union credit reports in violation of FCRA 623 ( a ) ( 7 ) which states a financial institution must provide the consumer ( ME ) with WRITTEN NOTIFICATION when they furnish or have furnished NEGATIVE information such as Late Payments or any other form of default. 

XXXX ) XXXX XXXXXXXX # XXXX. 
XXXX XXXX Days Late XXXX Days Late XXXX ) XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX Days Late XXXX XXXX Days Late XXXX ) XXXX XXXXXXXX # XXXX. 
XXXX XXXX Days Late XXXX Days Late I never received any written notification as outlined under FCRA623 ( a ) ( 7 ) and DEMAND that the Late Payments be Removed/DELETED 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for improperly removing my student loan accounts from my credit report. I submitted a dispute on XX/XX/XXXX, providing documentation from XXXX ( my loan servicer ) confirming that my student loans were in deferment retroactive to XX/XX/XXXX. 

Instead of correcting the reporting status, Equifax completely removed the accounts from my report, which negatively affected my credit profile by dropping it XXXX points. I contacted Equifax for clarification, but the representative could not explain why the accounts were removed or if XXXX requested deletion. 

These student loan accounts, serviced by XXXX, are active and currently in deferment status retroactive to XX/XX/XXXX. They are not closed, delinquent, or in default and should still be included in my credit report as part of my valid credit history. 

I am requesting immediate reinsertion of student loan accounts that were previously reported on my credit file and were removed in error following a dispute submitted on XX/XX/XXXX. 

I have attached a copy of my deferment letter from XXXX, a copy of my Equifax report showing the accounts are now missing, and proof of identity. 

Please assist in resolving this matter and holding Equifax accountable for proper reporting procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Westlake Services, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Mishandled Auto Claim Resulting in Credit Damage Im writing to file a formal complaint against XXXX XXXX, regarding a claim for my XXXX XXXX XXXX, which was destroyed when a tree fell on it in XX/XX/XXXX, in my yard. The vehicle was fully insured and covered by XXXX insurance. Despite this, the company delayed the process to the point where my credit was XXXX affected and so was my mental state. They wanted car payments and car insurance on a car that was completely leveled and sitting in a shop. At the time, I've contacted everyone several times begging for help. XXXX, insurance, Westlake attorneys. The numbers just don't add up, the company took over month before they even closed the claim. It was a total as it sat in a car shop being charged daily. They even forgot to add rental to my policy leaving me at {$1200.00} a month for 4 months before it was closed offering no assistance. 
At XXXX point XXXX basically threatened me with the charges of the shop, she is part of the insurance company. I was furious at this point, i wasn't the one holding up the case, they were. I have screen shot were I was told there are short staffed, by my appraiser. I'm considered deaf by the XXXX XXXX XXXX the amount of times I've spent making calls and emails begging for help only to be ignored. Left me emotionally drained, it has cost me higher rates on everything. 
I had everything in order payments up to date, valid coverage and still ended up penalized. I believe this delay and mishandling was negligent and unfair. Im requesting a full investigation into their handling of my claim and any possible remedies for the damage caused to my credit. I also want and need this removed immediately from my credit please. It was a XXXX alert for XXXX XXXX XXXX XXXXXXXX XXXX and XXXX minutes later a palm tree totaled my car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
Subject : Formal Complaint Under FCRA and CFPA Against Experian, Equifax, and TransUnion To Whom It May Concern : I am writing to formally file a complaint against Experian Information Solutions , Inc., Equifax , Inc., and TransUnion, LLC under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

I have made repeated requests to all three credit reporting agencies to conduct proper and thorough investigations into multiple disputed tradelines and inquiries appearing on my consumer credit reports. These requests have not been adequately addressed, and the agencies have failed to meet their obligations under federal law to ensure that only accurate, complete, and verifiable information is reported.

Despite my continued efforts, several transactions and entries remain inconclusive or inconsistent across the three bureaus. Additionally, I have formally requested documentation from each bureau to substantiate the reporting including the executed agreement, promissory note, or makers signature for each disputed account. None of the bureaus have provided adequate proof of these obligations. 



The disputed tradelines include : XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX {$11000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX ) {$7700.00} XXXX XXXX ( second account ) {$5300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$100.00} These accounts do not reflect accurate or consistent reporting across all three credit bureaus, and their continued presence without proper verification is in direct violation of the FCRA and CFPA.

Additionally, I dispute the following unauthorized or inaccurate inquiries : XXXX XXXX XXXX This inquiry does not belong to me and was made without my knowledge or consent. 

XXXX XXXX This inquiry is also unauthorized and inaccurate. 



These inquiries were not initiated by me, nor do I have any relationship with the institutions involved that would justify such actions. I have requested the removal of these inquiries, but to date, they remain on my reports without proper validation.

I respectfully request the CFPB to investigate these matters and take appropriate enforcement action to ensure that the credit reporting agencies comply with federal consumer protection laws. I further request that these tradelines and inquiries be removed unless the bureaus can provide clear, legally valid documentation proving the accuracy and authorization of each item.

Please advise me on any additional steps or supporting documents needed for this complaint.

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 2025-06-12 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: AL

Complaint narrative:
Subject : Formal Complaint Under FCRA and CFPA Against Experian, Equifax, and TransUnion To Whom It May Concern : I am writing to formally file a complaint against Experian Information Solutions , Inc., Equifax , Inc., and TransUnion, LLC under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

I have made repeated requests to all three credit reporting agencies to conduct proper and thorough investigations into multiple disputed tradelines and inquiries appearing on my consumer credit reports. These requests have not been adequately addressed, and the agencies have failed to meet their obligations under federal law to ensure that only accurate, complete, and verifiable information is reported.

Despite my continued efforts, several transactions and entries remain inconclusive or inconsistent across the three bureaus. Additionally, I have formally requested documentation from each bureau to substantiate the reporting including the executed agreement, promissory note, or makers signature for each disputed account. None of the bureaus have provided adequate proof of these obligations. 



The disputed tradelines include : XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX {$11000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX ) {$7700.00} XXXX XXXX ( second account ) {$5300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$100.00} These accounts do not reflect accurate or consistent reporting across all three credit bureaus, and their continued presence without proper verification is in direct violation of the FCRA and CFPA.

Additionally, I dispute the following unauthorized or inaccurate inquiries : XXXX XXXX XXXX This inquiry does not belong to me and was made without my knowledge or consent. 

XXXX XXXX This inquiry is also unauthorized and inaccurate. 



These inquiries were not initiated by me, nor do I have any relationship with the institutions involved that would justify such actions. I have requested the removal of these inquiries, but to date, they remain on my reports without proper validation.

I respectfully request the CFPB to investigate these matters and take appropriate enforcement action to ensure that the credit reporting agencies comply with federal consumer protection laws. I further request that these tradelines and inquiries be removed unless the bureaus can provide clear, legally valid documentation proving the accuracy and authorization of each item.

Please advise me on any additional steps or supporting documents needed for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 



I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion.

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 2025-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
Inaccurate and unauthorized information input on all three of my credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
In accordance when the Fair Credit Reporting Act ( XXXX XXXX  ) ( XXXX ) ( Original Creditor XXXX XXXX XXXX  ) has violated my right. 15 U.S. C 1681 section 602 A. establishes the foundation for fair and accurate credit reporting practices. This section highlights the need for fair and accurate credit reporting to ensure the efficiency of the banking system and maintain public confidence. It also outlines the importance of credit reporting agencies exercising their responsibilities with fairness, impartiality, and respect for consumer privacy. 15 US.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-06-12 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-12 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against NAVY FEDERAL CR UNION for failing to properly investigate, verify, and correct inaccurate information on my credit report. Despite submitting a detailed written dispute and requesting the Method of Verification, NAVY FEDERAL CR UNION has continued reporting multiple unverifiable and factually incorrect accounts. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have requested verification of this alleged delinquency and any documentation validating its accuracy. NAVY FEDERAL CR UNION has not provided evidence and I believe this reporting is incorrect and damaging.

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit
State: TX

Complaint narrative:
I leased a vehicle and the general XXXX at the time, XXXX, mentioned that if I leased, all I needed to do for XXXX  years was drive the car and pump gas. I specifically asked about the mileage and he assured me that the mileage didnt matter and that I would have no issues with that. I closed the deal and moved on. XXXX years in, I find out that XXXX was fired for promising me, along with others, that the mileage did not matter and that they would have no issues with that at the end of the leases. Today they are telling me that a car I leased for XXXX is world less than half. And Im upside down XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD/THEFT. THIS ALLEGED DEBT ACCOUNT IS UNKNOWN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am disputing the accuracy of the account currently reported by Jefferson Capital Systems. Although this debt originated with XXXX XXXX, it was sold to Jefferson Capital Systems, who is now reporting it. 

The account shows an address of XXXX XXXX XXXX, which is incorrectI have never lived there. My correct address is XXXX XXXX XXXX XXXX. This discrepancy raises concerns about the accuracy of the information being reported and may indicate errors in my credit file. 

Additionally, despite the account being charged off and sold, it continues to show derogatory payment history and negative status that I believe violate the Fair Credit Reporting Act ( FCRA ). I request that Jefferson Capital Systems investigate, verify, and correct or remove this inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Today, I discovered that a collection account from Credence Resource Management was placed on my credit report for {$67.00} allegedly owed to XXXX I was never notified of a final bill from XXXX XXXX and this is the first time Im seeing or hearing about this debt. I did not receive any mail, calls, texts, or emails informing me of an outstanding balance or a transfer to collections. I believe this is unfair reporting, and I am requesting validation of this debt. The collection was reported without giving me a chance to resolve or dispute it. This has negatively impacted my credit, and I want this addressed and removed immediately if it can not be properly validated

Company response to consumer: Closed with non-monetary relief