vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am writing to formally address a serious issue regarding my account while residing at XXXX XXXX. I have attempted multiple times to contact your office regarding this matter without resolution. 

It has come to my attention that my personal information was fraudulently used to accept a rent payment check from XXXX XXXX XXXX for my account. This payment was mailed, received, and processed by XXXX XXXX XXXX, as verified by their records. Despite this, your office has reported a balance as owed to credit reporting agencies, even though : There was no eviction filed, judgment rendered, or court proceeding related to this alleged debt. 
The account has subsequently been sold to a collection agency ( XXXX XXXX XXXX ), making the debt invalid and improperly reported. 

This situation constitutes misrepresentation of my account, potential identity misuse, and improper credit reporting. I request : 1. Immediate correction of my account and communication to any credit reporting agencies that the debt is invalid.

2. Confirmation in writing that this matter has been rectified.

Please respond within 10 business days with a clear plan of action. If no resolution is provided, I will escalate the matter to the Colorado Attorney General, the FTC, and the credit bureaus for formal investigation.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-17 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccuracies in my credit report, as outlined below, for your review and necessary action. 


Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX FACTUAL DATA Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts : 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Requested a copy of the assignment of contract allowing them to collect a debt on behalf of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries reported on my credit report. After reviewing my credit reports from XXXX XXXX and TransUnion, I have found discrepancies and incomplete data that violate the Fair Credit Reporting Act ( FCRA ). The following is a detailed breakdown of the accounts and inquiries in dispute : Charged Off Accounts : XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-17 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: TX

Complaint narrative:
Please go through this entryits late and could contain errors.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because Equifax is reporting a XXXX XXXXXXXX bankruptcy on my credit report that is inaccurate and unverified. The entry, listed as Reference XXXX XXXXXXXX, XXXX not correspond to any bankruptcy filing I have ever made. Despite contacting Equifax to dispute this item and requesting full verification, including the courthouse name, the verifying individual, the courthouse address, and the documents used to confirm the filing, I have received no adequate documentation. This has left a false bankruptcy on my credit report, misrepresenting my financial history. 

Under the Fair Credit Reporting Act, credit bureaus must ensure that public record items, including bankruptcies, are verified before reporting them. The method of verification rule is designed to protect consumers from precisely this type of inaccuracy. Equifaxs failure to provide proper verification not only violates my rights but has also caused tangible harm, including difficulty obtaining credit, higher interest rates, and unnecessary stress. Having this false bankruptcy remain on my report misrepresents my financial responsibility and unfairly impacts my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I have already submitted a complaint for this account. The previous collection agency XXXX XXXX promptly sold my account to a different collector after submitting my last complaint and formally requesting for reporting to cease due to lack of supporting documentation. I will again submit my complaint on the new debt collector. 

I do not recognize this account or any transactions associated with it. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting verification of this alleged debt. Please provide copies of the original agreement and all supporting documentation bearing my signature to substantiate the validity of this account. If you are unable to provide proper verification within the time allowed by law, this account must be deleted from my credit file and all reporting to the credit bureaus must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I receive a letter from XXXX XXXX  - my credit card, saying they lowered my credit limit because of too many recent inquires and opened bank cards. I had not inquired or open cards since I opened my card with them. I called them immediately. They said XXXX  is reporting this to them and my score of XXXX ( previously above XXXX ). I immediately froze my credit reports and filed fraud alert. I found a Milestone card on my report, which I never opened and disputed with XXXX. XXXX  sent me a letter that this was indeed fraud, the acct. was closed and fraud claim filed. fraud report and confirmation of closed card, they are mailing it, not yet received. I called milestone to be sure and requested the address of the person on file that stole my identity they said that was filed with the fraud dept. but would not supply to me for me to file police report. They said they are sending a letter of confirmation that this card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX bank XX/XX/2025 began {$590.00} XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XX/XX/2025 began {$73.00} XXXX XXXX XXXXXX/XX/XXXX began {$500.00} XXXX XXXX XXXXXX/XX/2025 began {$3900.00} XXXX XXXX bank XX/XX/2025 began {$590.00} Ive reached out to these creditors and have been unsuccessful. They have not cooperated in the slightest capacity. These items must be removed asap as they dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
XXXX XXXX XXXX bank XX/XX/2025 began {$590.00} XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XX/XX/2025 began {$73.00} XXXX XXXX XXXXXX/XX/XXXX began {$500.00} XXXX XXXX XXXXXX/XX/2025 began {$3900.00} XXXX XXXX bank XX/XX/2025 began {$590.00} Ive reached out to these creditors and have been unsuccessful. They have not cooperated in the slightest capacity. These items must be removed asap as they dont belong 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal denied my unauthorized transaction claim without providing Reg E-required documentation. I submitted a written request for reinvestigation and they refused to reinvestigate. They are in violation of 12 CFR 1005.11. I am requesting a full reinvestigation and reimbursement of {$670.00} in unauthorized XXXX withdrawals plus associated overdraft fees. 

CFPB complaints force Navy Federal to respond in XXXX days and they almost always reopen the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A XXXX late payment was inaccurately reported on my credit reports ( XXXX, XXXX, and XXXX  ) XXXX XX/XX/year>, related to my Truist credit card account. This late payment resulted from a fraudulent transaction that I did not authorize. 

A charge for {$23.00} was made on XXXX on XX/XX/year>, and posted to my Truist card on XX/XX/year> without my knowledge. This credit card is rarely used, and every prior use has always been paid on time and in full. Because the card is not regularly used, I had no reason to expect activity on the account, and I was unaware fraud had occurred until the derogatory reporting appeared on my credit file. 

On Sunday, XX/XX/year>, at approximately XXXX XXXX XXXX, I contacted the Truist XXXX XXXX  and spoke with an associate named XXXX, who confirmed the transaction was unauthorized. Truist opened XXXX XXXX XXXXXXXX and issued a temporary credit of {$49.00} to reverse the fraudulent charge and fees. This confirms that Truist determined the charge was fraudulent. 

Despite this, all XXXX  credit bureaus reported the account as XXXX  days late, which is incorrect because the delinquency resulted entirely from an unauthorized transaction. This inaccurate reporting has caused my credit scores to fall XXXX points, which is significantly impacting my ability to purchase a home. I have not had a late payment in more than XXXX years. 

I am requesting that the credit bureaus and Truist correct this error immediately, remove the inaccurate late payment from my credit reports, and restore my payment history to accurately reflect that I have not been late. This late reporting is the direct result of fraud and should not be attributed to me under the Fair Credit Reporting Act ( FCRA ), including sections XXXX ( b ), XXXX, and XXXX, which require accurate reporting, prompt reinvestigation, and blocking of information resulting from identity theft.

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 2025-11-17 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: NC

Complaint narrative:
I am a verified victim of human trafficking, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The accounts listed below were created or maintained under conditions of coercion and identity misuse. They are not reflective of my true credit history and continue to cause harm and misrepresentation of my identity. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX {$4000.00} I am requesting TransUnion to immediately block and delete these accounts in compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and to provide written confirmation once the deletions have been completed.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
QUICKCREDT is falsely reporting on my credit. I have never had any accounts with them. Per my research QUICKCREDT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I financed a vehicle through BridgeCrest. The vehicle is a XXXX XXXX XXXX. The loan was charged off in XXXX, and I have not received any collection activity since. The vehicle is currently inoperable and has no market value, and I need to dispose of it. 

I contacted the Ohio XXXX, and they informed me that the lienholder ( BridgeCrest ) must release the lien before I can legally dispose of or junk the vehicle. Because the loan is extremely old and charged off, Ohio XXXX stated that the lien release must come from BridgeCrest. 

BridgeCrest has refused to release the lien unless I pay the full charged-off balance, which I can not afford. They also stated they do not offer settlements for lien releases, even though the debt is uncollectible due to age, charged-off status, and residency in California where the statute of limitations has expired.

BridgeCrest is blocking my ability to dispose of an inoperable vehicle and is refusing any reasonable settlement or lien release process. This prevents me from legally resolving the title and removing the vehicle from my property. 

I am requesting assistance from the CFPB to obtain either : A lien release, or A reasonable lien settlement option that allows me to legally junk or dispose of the vehicle.

Company response to consumer: Closed with explanation