vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX : ( Original creditor XXXX XXXX  ) : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I contacted several XXXX company asking question XXXX XXXX and XXXX XXXX, for general information about financing. I clearly stated that I did not authorize a credit check unless I decided to move forward. Despite this, the company pulled my credit report, which now appears as a hard inquiry. I am requesting this unauthorized inquiry be removed from my credit report and that the company be investigated for improper use of consumer information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,XXXX  am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I payed {$100000.00} to credit cards last year. All interest and nothing would add up to pay the debt. It would just disappear a payment to cero on obsorb interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I filed XXXX XXXX bankruptcy which was XXXX XX/XX/year>. There is a collection agency on my XXXX  credit report which they refuse to delete from my credit report. I have disputed this information XXXX times with XXXX, and the collection agency responds back stating information as correct. The other credit bureaus have properly deleted this collection accounts from my credit reports. I have copies of my discharge paperwork if needed. Please have this collection agency remove this account immediately. I am in the process of repairing my XXXX XXXX Agency Name XXXX XXXX XXXX Opened XXXX Amount {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint because TransUnion is continuing to report a tradeline from XXXX XXXX XXXX/ XXXX XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX, even though the furnisher has provided no verifiable documentation from the original creditor. 

I disputed this account with TransUnion on XX/XX/year>, and provided evidence that XXXX  and XXXX XXXX  failed to produce any records, statements, or payment history from XXXX XXXX XXXX XXXX. Instead of authentic documentation, XXXX supplied only an internally generated account summary created by themcontaining no XXXX XXXX XXXX XXXX XXXX or proof of the alleged debt.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), TransUnion is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified. This internal, self-generated summary is not verification and does not satisfy federal standards of accuracy or evidence. 

I followed up with a Notice of Noncompliance on XX/XX/year>, giving TransUnion until XX/XX/year>, to either provide authenticated XXXX XXXX XXXX XXXX documentation or delete the tradeline. To date, TransUnion has failed to do so and continues to report the account despite having no original creditor proof. 

This is a clear violation of the FCRA, as TransUnion is continuing to report information that has not been verified by the original creditor and has ignored documentary evidence proving that the furnisher ( XXXX ) can not substantiate the debt.

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 2025-10-29 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-29 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: MO

Complaint narrative:
I requested documentation and verification regarding my account. Despite my request, they failed to provide any information or verification, leaving the account inaccurate and unverifiable on 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 2025-10-29 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am a co-borrower on an auto loan account serviced by WPM Servicing. My credit report currently shows a Redeemed Repossession remark for this account. However, the vehicle was never repossessed, has always remained in possession of the borrower, and the account is now current with payments up to date.

I previously contacted WPM Servicing to dispute this inaccurate remark. They responded that their reporting was accurate, but they did not provide any documentation or evidence of a repossession event. This reporting error is damaging my credit and does not accurately reflect the loans true status.

I am requesting that the CFPB review this case and require WPM Servicing to verify and correct the inaccurate Redeemed Repossession remark to show Current Paid as Agreed, or remove the remark entirely if it can not be substantiated.

Supporting documentation includes WPM Servicings response to my initial dispute, proof of current payments, and my follow-up verification request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding a data breach at Transunion that compromised my sensitive personal and financial information, resulting in inaccuracies on my credit report and fraudulent activities. This breach occurred due to Transunions failure to implement adequate security measures, which allowed unauthorized access to my personally identifiable information ( PII ). The breach has led to errors on my credit report that Transunion failed to properly address, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureau did not meet its obligations under Section 611 of the FCRA to conduct a reasonable reinvestigation of the disputed information within the required 30-day period. As a result of this breach and the unresolved inaccuracies, I have suffered financial harm, including a reduced credit score, higher interest rates, emotional distress due to identity theft concerns, and considerable inconvenience. Additionally, Transunions actions demonstrate noncompliance with FCRA provisions, such as Section 607 ( b ), which mandates accuracy, and highlight negligence in safeguarding consumer data.

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 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
this debt was paid through insurance no balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete 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 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: IL

Complaint narrative:
I took out a payday loan with Advance Financial in Tennessee. The loan amount was around {$2500.00}, and the balance has continued to increase due to high interest and fees. I have made multiple payments, including {$300.00} and {$350.00} payments, but the total owed still doesnt seem to go down. 

I contacted the company by email on XX/XX/year> to ask about a payment plan or to better understand the balance, but I have not received a clear or helpful response. I am struggling to pay and am concerned about the ongoing interest and the impact on my account. 

I am requesting that the company provide a fair repayment option and accurate information on my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the false late payment entries on my accounts violate the provisions of 15 USC 1666. My payments have always been made on time, and any errors in this reporting are both improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.|

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: WA

Complaint narrative:
This is a follow-up to Complaint id XXXX regarding Accurate Background, LLC.

After submitting my background check, I received requests from Accurate Background for additional details about a prior conviction. I provided information I was willing to share, including that the incident was nearly XXXX years ago, I completed treatment, and it is not job-related. 

Subsequently, XXXX XXXX XXXX XXXX sent me an email requesting additional information for the same background check, effectively asking me to provide details that the screening company should obtain themselves. Their internal guidance instructed HR to ensure candidates respond to any requests for information from Accurate Background or XXXX Background Screening Department. 

This created a situation where both the vendor and the employer were asking me to self-disclose beyond what was legally required, effectively shifting the burden of verification onto me. I responded professionally, providing only what I was willing to share, and documented all correspondence. 

I believe this practice may be inconsistent with FCRA requirements, as it pressures candidates to provide information that could be obtained by the employer or screening company, while potentially creating delays or adverse action if a candidate chooses not to provide additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as formal notice that Equifax is in violation of the Fair Credit Reporting Act ( 15 U.S.C.

1681e ( b ), 1681i, and 1681s-2 ) for failing to properly investigate my dispute and remove inaccurate accounts.

Following the Equifax Data Breach Settlement ( XXXX ), your company was required to improve data security and accuracy standards. Yet my disputed accounts remain, proving continued negligence in safeguarding consumer data and maintaining report accuracy. 
Despite this, Equifax has continued to mishandle consumer information, conducting inadequate reinvestigations and failing to remove or correct inaccurate accounts, directly violating federal law and the conditions of its settlement obligations. The continued reporting of false or unverifiable items on my credit report constitutes an ongoing breach of statutory duty and further jeopardizes my access to credit, employment, and housing opportunities.

Company response to consumer: Closed with explanation