vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX Company name : : CREDIT BUREAU ASSOCIATES Subject : Formal Dispute and Request for Cessation of Reporting to Credit Bureaus Dear CREDIT BUREAU ASSOCIATES, I am writing to formally dispute the validity of the debt reported by your agency on my credit report, which is negatively impacting my ability to secure credit and housing for my family. I believe that the reporting of this debt is in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Firstly, under the FDCPA, specifically 15 U.S.C. 1692g, I did not receive the required written notice of this debt which should have included the amount of the debt, the name of the original creditor, and my right to dispute the debt within 30 days. As such, I was not given the opportunity to properly respond or contest the debt 's validity.

Additionally, according to the FCRA, all information furnished to credit reporting agencies must be accurate and fair. Since I was neither informed of this debt nor provided consent for its validation, it raises a significant concern regarding the accuracy and legitimacy of the reporting. 

I would also like to reference the case of XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which underscores the intended protection for consumers against unverified debts being reported without proper notification and opportunity to contest. 
Given these circumstances and legal precedents, I demand that your agency cease reporting this alleged debt to all credit bureaus immediately. Furthermore, I request full documentation validating this debt, including contracts or agreements with the original creditor that bear my signature. 


Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
Hi, I jst want to touch base with u and check if u can remov a couple of things from my file. You can see wht I'd like removd from the report I have attached. I'm experienin identity theft, and those charges are not even mine. I need them removd so I can repair my credit report. I have already reprted the fraud to the FTC, and there are copies of their Identity Theft Affidavit attached.

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 2025-06-28 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: PA

Complaint narrative:
Hi, I jst want to touch base with u and check if u can remov a couple of things from my file. You can see wht I'd like removd from the report I have attached. I'm experienin identity theft, and those charges are not even mine. I need them removd so I can repair my credit report. I have already reprted the fraud to the FTC, and there are copies of their Identity Theft Affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
This is a formal dispute regarding a false late payment being reported by TransUnion on my XXXX account ( XXXX ). I have never been late on this account, yet it is inaccurately marked as delinquent on my credit file. This reporting is false, misleading, and harmful. I am not disputing the account itself or asking for it to be deleted I am specifically requesting that the late payment entry be removed and the payment history corrected to reflect on-time performance. This inaccurate reporting violates the Fair Credit Reporting Act. Under 15 U.S.C. 1681a ( 4 ), I am entitled to privacy and accurate credit reporting. Reporting false late payments without proper verification violates TransUnions duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, the inclusion of this information without my written consent violates 15 U.S.C. 1681b ( 2 ), and qualifies for blocking under 15 U.S.C. 1681c-2. The failure to investigate or correct this false information after dispute also demonstrates willful and negligent noncompliance with 15 U.S.C. 1681n and 1681o. I am requesting immediate correction of this inaccurate late payment to reflect my true payment history.

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 2025-06-28 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-06-28 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-28 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
The collector failed to validate debt owed. I have sent certified letter to them. Also they are harassing me while I am on XXXX and XXXX. 

They are violating - FDCPA ( 15 USC 1692g ) - FCRA ( 15 USC 1681 ) - 42 USC 407 ( a ) - Section 504 of the Rehabilitation Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am submitting this formal request in accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c2 ( FCRA 605B ), to demand the immediate and permanent blocking of the following accounts from my credit file. These items are the result of identity theft and were not authorized by me.

As required under 605B ( b ), I am enclosing all relevant documentation, including a government-issued photo ID, a proof of address, and a valid identity theft report as defined in 603 ( q ). 

Fraudulent accounts to be blocked ( Equifax ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Attached documents : Identity Theft Report ( as defined by FCRA 603 ( q ) ) Government-issued identification Proof of current address Statement identifying and disputing the fraudulent information Legal obligations : Under FCRA 605B ( c ) ( 1 ) : " A consumer reporting agency shall block the reporting of any information in the consumers file that the consumer identifies as resulting from identity theft, not later than 4 business days after receiving such a request and documentation. '' Under 605B ( d ) ( 1 ) : " A consumer reporting agency shall promptly notify the furnisher of the information that the information may be the result of identity theft. '

' Under 605B ( e ) : " The agency shall not resubmit the blocked information to any furnisher unless material evidence is provided showing that the block was made in error. '' Additional legal duties imposed on your agency : FCRA 607 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures to ensure compliance with the provisions of this subchapter. '' Failure to block the fraudulent data within the required timeframe indicates a lack of internal compliance systems.

FCRA 610 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures designed to permit the consumer to obtain information in the consumers file and to correct any information that is incomplete or inaccurate. '' Refusing to process my identity theft request constitutes a violation of this provision.

FCRA 602 ( a ) ( 1 ) and ( a ) ( 4 ) : " ( 1 ) The banking system is dependent upon fair and accurate credit reporting... ( 4 ) There is a need to ensure that [ CRAs ] exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Continued reporting of fraudulent information violates the purpose and intent of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dealing with these inaccurate entries has been XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
Do not recognize that inquiry, do not require any loans from that company XXXX XXXX Inquired on 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 2025-06-28 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:
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 XXXX  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 non-monetary relief
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
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 XXXX  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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My loan was transferred from XXXXXXXX XXXX to Westlake Portfolio in XX/XX/XXXX. I had auto-renewal set up for nearly four years and never missed a payment. I also opted out of paperless notices because I move around a lot and prefer emails to be notified of changes and updates to my account.

However, when Westlake took over, they mailed a letter to my previous physical address, which I never received. Well, on XX/XX/XXXX, I woke up and my car was gone. I called XXXXXXXX XXXX, and they transferred me to Westlake, who informed me that I was three months behind in payments. I had absolutely zero emails, calls, etc. I told them that I had auto-renewal set up for the past four years. They didn't care. They charged me {$200.00} in late fees and {$500.00} in towing fees, and of course, the three months of missed payments. My loan was up in XXXX, so I went ahead and paid off my car so I could get the title and never have to deal with this company again. 

They had me send the money through XXXX, which charged me {$89.00} for the {$2700.00} I had to send to get my car back. I sent the money on XX/XX/XXXX, at XXXXXXXX XXXX. On XX/XX/XXXX, I called multiple times to see if my car had been released, and it hadn't, even though they said the wire transfer went through the day before. The third-party company they had holding my car was closed over the weekend, so this left me carless for more than four days. As of now, I won't have my car until XX/XX/XXXX. A company like this shouldn't be practicing business at all. I had zero notice of them ever trying to reach me. I had a very difficult time getting my car back after leaving the balance on XXXX, and now I have a car repossession, absolutely ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through Equifax and TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 15 days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry 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 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was contacted by a collections agency regarding a rental debt I had never been notified about. I immediately disputed the debt and requested validation. I explained that I had not received the itemized list of deductions with the 21-day legal window from the apartment complex nor did they provide proof through certified mail that the itemization was sent to the correct address. 

Initially, the collections agency claimed the itemization was sent to my last known address. Later, they changed their story and shared that the apartment complex " assured '' them that the itemization had been sent to the provided forwarding address. When I asked whether they had been able to verify this with the apartment complex through certified mail, the collections company said they had not and that they did not need to. 

The collections agency refuses to verify whether the landlord complied with legal notice requirements.

Company response to consumer: Closed with explanation