vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Everest Receivable Services Inc.
State: IL

Complaint narrative:
Your representative, XXXX XXXX, provided me with docket number XXXX from DuPage County. I investigated directly with the Clerk of the Circuit Court of DuPage County and obtained the official case record. The correct case number is XXXX, filed by XXXX XXXX XXXX XXXX. The record shows a default judgment entered in XXXX, but the case is now closed and the balance due is {$0.00}. Everest Receivable Services misrepresenting the existence, amount, or legal status of a debt is a direct violation of the FDCPA, 15 U.S.C. 1692e. 

Further, this account was included in a XXXX  XXXX Bankruptcy in the United States Bankruptcy Court for the Northern District of Illinois, Eastern Division, filed on XX/XX/XXXX, Case # XXXX, which listed XXXX XXXX XXXX XXXX creditor. Any collection activity on this account is prohibited by the automatic stay and discharge injunction under 11 U.S.C. 362 and 524.

Regardless of bankruptcy/status, until such validation is provided, you must cease all collection efforts, including but not limited to reporting to credit bureaus, placing liens, or attempting judgment enforcement or any additional legal action or attempts.

If this alleged debt has been or will be reported to any credit reporting agency, be advised this letter also serves as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. If you or the original creditor can not provide all proper validation requested, the account must be deleted from my credit reports with all credit reporting agencies within 30 days of the date of this notice. 
If you fail to provide proper validation within 30 days of receipt of this letter, I will consider any continued collection activity to be willful, knowingly and accepted violations by ERS of both the FDCPA and the FCRA. Any attempt to pursue legal by ERS, its client ( s ) to take additional action or misrepresent the judgment status of this account will also constitute a violation. At that point, I will pursue all available remedies, including complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, the Illinois Attorney General, and the XXXX XXXX XXXX ( filed XX/XX/XXXX ), as well as initiating legal action for damages where appropriate with my legal counsel. 
All communication must be in writing only to the mailing address listed above. Telephone, text, or electronic communication, including email, are expressly prohibited as of the date of this letter going forward. Any such contact after receipt of this notice will constitute separate violations of the FDCPA under 15 U.S.C. 1692c ( c ) and 1692d. 


{$25000.00}

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 2025-09-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account from XXXX  XXXX XXXX reported on my XXXX  credit file as an auto lease opened XX/XX/XXXX and charged off for {$21000.00}. I have no knowledge of this account, no vehicle, and never authorized any lease or contract. I filed an FTC Identity Theft Report, disputed directly with XXXX  XXXX XXXX, and sent certified disputes to XXXX XXXX XXXX XXXX demanding deletion under FCRA 605B. Despite these actions, the account remains on my file. This false reporting has caused credit denial, score damage, and financial/emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account from XXXX  XXXX XXXX reported on my Experian credit file as an auto lease opened XX/XX/XXXX and charged off for {$21000.00}. I have no knowledge of this account, no vehicle, and never authorized any lease or contract. I filed an FTC Identity Theft Report, disputed directly with XXXX  XXXX XXXX, and sent certified disputes to Experian, XXXX XXXX XXXX demanding deletion under FCRA 605B. Despite these actions, the account remains on my file. This false reporting has caused credit denial, score damage, and financial/emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AZ

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 non-monetary relief
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There has been fraudulent activity in which a credit card was set up ( at XXXX XXXX ) and paid off using my Chase Checking account. Small charges were made which i didnt immediately notice, XXXX. I have no accounts with XXXX XXXX and have confirmed that with XXXX  and credit bureau 's. 

On XX/XX/year> a big charge ( {$8800.00} ) was attempted which I flagged this to Chase. It was stopped. At this point i asked what should I do to prevent future theft and was told nothing. This is the transcript i'm looking to get. 

Since then a further attempt ( {$9100.00} XX/XX/year> ) was successfully withdrawn which i called to block on XX/XX/XXXX. Since then i was given the correct advice to block the vendor and close the account, which i have now done. Ive made various attempts to have the XXXX returned through Chase and have been denied because i hadnt flagged the original small charges. 

My issue is i should have been given the correct advice on XX/XX/XXXX to block the fraudulent vendor and/or close accounts. This would have prevented the {$9100.00} from being withdrawn. Additionally there should have been a block on the {$9100.00} when i rang on XX/XX/year>. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
This letter serves as my dispute regarding the inaccurately reported late payment on my credit history. My payment records confirm timely payments, making this entry erroneous. Allowing it to remain creates a misleading and damaging impression of my financial responsibility.

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 2025-09-18 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: TX

Complaint narrative:
I am filing this complaint because Experian continues to report several charge-off accounts that are either outdated, inaccurate, or unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ). These errors have caused ongoing financial and emotional harm by unfairly lowering my creditworthiness and limiting my access to reasonably priced credit. 

The accounts in dispute are : XXXX XXXX XXXX * * * * XX/XX/XXXX {$3700.00} CAPITAL XXXX XXXX * * * * XX/XX/XXXX {$100.00} XXXX XXXX XXXX * * * XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX * * * XX/XX/XXXX {$0.00} The CCB/GameStop account is a clear violation of the FCRAs reporting limitations under 15 U.S.C. 1681c. Charge-offs and other derogatory accounts can not legally remain on a consumer report longer than seven years, yet Experian continues XXXX publish this outdated entry, misleading lenders into believing I am delinquent on obligations that should no longer exist on my report. 

The XXXX XXXX accounts are equally problematic. I have previously disputed them, but Experian has failed to provide any meaningful verification. Each reinvestigation has resulted in the same verified status without supplying actual documentation tying me personally to the debt. The law requires Experian to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct proper reinvestigations when an account is disputed ( 15 U.S.C. 1681i ). Simply repeating the word verified without providing supporting evidence does not fulfill that obligation. 

The XXXX XXXX account also raises serious concerns. It is being reported as a charge-off with a {$0.00} balance, which is contradictory and misleading. If the account has no outstanding balance, continuing to label it as a charge-off creates the false impression of delinquency where none exists. This type of reporting is materially misleading and violates the FCRAs accuracy requirements. 

These inaccuracies are not trivial. They have directly impacted my ability to secure credit on fair terms. Most recently, I was denied a home loan, and the denial letter specifically pointed to Experians report as containing derogatory charge-offs. Because of these unlawful entries, I have been forced to pay higher rates on existing credit, lost access to new financing opportunities, and endured the emotional toll of repeatedly being judged by lenders based on Experians inaccurate 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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake Financial has been employing multiple phone numbers and calling numerous times a day in order to collect a late payment for my auto-loan, and ignoring my request to respect my " do not call '' status. On XX/XX/year>, I received automated robo-calls from XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. Additionally, on XX/XX/year>, I received automated robo-calls from XXXX and XXXX in an attempt to collect the late payment. Furthermore, I received XXXX phone calls from the XXXX number on Monday and XXXX calls from the XXXX number on Tuesday. This violates the XXXX 's rulings on robo-calls, as well as the number of allowable calls in a XXXX day time period, and my prior requests to not be contacted via phone. The incessant phone calls have failed to respect my time when I have been administering to other matters or working, and have caused significant anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This dispute is regarding unauthorized and inaccurate accounts that are being reported on my credit file. I did not authorize, approve, or open these accounts, and I was not notified of their appearance on my record. The fact that each bureau reports different, inconsistent information only reinforces the inaccuracy, in violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires accurate reporting practices.

Additionally, this situation violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate and correct or remove inaccurate data within 30 days, and 15 U.S.C. 1681g, which ensures I have the right to a full and accurate disclosure of my credit file.

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 2025-09-18 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: LEXISNEXIS
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account from American XXXX XXXX reported on my Experian credit file as an auto lease opened XX/XX/XXXX and charged off for {$21000.00}. I have no knowledge of this account, no vehicle, and never authorized any lease or contract. I filed an FTC Identity Theft Report, disputed directly with American XXXX XXXX, and sent certified disputes to Experian, Equifax, and TransUnion demanding deletion under FCRA 605B. Despite these actions, the account remains on my file. This false reporting has caused credit denial, score damage, and financial/emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Kraken.com is withholding my funds for nearly XXXX weeks now, nearly XXXX ; the hold was supposed to be XXXX week but I am unable to withdraw my funds. They are holding my funds XXXX with no explanation why, the banner up top said I was to receive an email but I never did. At this point I would be satisfied if I just had my money returned. This has been an awful experience and their customer support is absolutely useless in their communications. I have done nothing wrong and my money is in limbo.

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 2025-09-18 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-18 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-18 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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