vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collections & Outsourcing ( FCO ), a Maryland-based collection agency, is continuing to report an alleged apartment-related debt to XXXX XXXX XXXX XXXX  despite admitting in writing that the debt is time-barred and legally unenforceable, and despite failing to provide legally required verification after a formal dispute. 
The alleged debt originates from XXXX XXXX, a California apartment complex. FCO previously stated in writing that because of the age of your debt, XXXX can not sue you for it and XXXX will not sue you for it, even if you make a payment. 
After receiving that letter, I timely disputed the debt and requested validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), as well as under California Civil Code 1950.5 ( g ), which governs landlord move-out charges.

In response, FCO provided only a copy of a signed lease and a deposit disposition summary. They did not provide any itemized receipts, invoices, proof of actual damages or repairs, proof that the 21-day disposition was properly mailed, or any assignment or authorization showing FCO had the right to collect or report this account. 
After reviewing their response, I sent a final written notice explaining that their documentation was legally insufficient, that the alleged debt was time-barred, and that continued reporting would constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). FCO received this letter over one month ago and did not respond.

Despite stating previously that they would stop contacting me and despite failing to respond to my dispute, FCO continues to report this disputed, time-barred debt to all three consumer reporting agencies.

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 2025-12-03 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 disputed a child support account being report on my credit report the came back with verified then i requested a reinvestigation with detailed method of verification nothing received. 
I requested for the state guideline with no response Trans Union fail to investigate a child support account on my credit report breach 15 USC 1681I this civil violations this has block me from market my business opportunity and expanding and emotional damages being label a dead beat father.

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 2025-12-03 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: TN

Complaint narrative:
Equifax is reporting multiple Department of Education accounts as charged-off or negative. These accounts contain dates, balances, and information that do not match my records. Additionally, they show an open date of XX/XX/year>, which has not occurred yet. This is impossible and indicates inaccurate or erroneous reporting. 

I request that Equifax verify each account with complete documentation. Any account that can not be fully validated should be removed from my report. 

Charged-Off Accounts in Dispute ( Equifax ) DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$6500.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$9900.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$16000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$5600.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$13000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$12000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$12000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$5900.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$13000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$4700.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$11000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$3700.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$8900.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$2800.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$10000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$14000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$28000.00} DP OF EDUC XXXX XXXX XX/XX/year> Balance : {$30000.00} These open dates are incorrect and impossible. I am requesting correction or deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I do not have ties to these accounts ; delete them within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
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: American Credit Acceptance, LLC
State: MD

Complaint narrative:
My car loan was closed out about a year and half ago, however the finance company said I still owed them XXXX - I cont to pay debt down after a few months the total showed no decrease I called and question that and after that I could see money finally being deducted- I feel like someone was stealing from my account than they charge my car off decreasing my credit while I was still paying the debt I file bankruptcy they did illegal collection and force me to go in more debt because they illegal threatened to repo vehicle over riding bankruptcy laws. I pay debt off and they will not give me anything stating my debt is satisfied but said they would after they got the money they will not honored. I feel like Ive been ripped off XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
My vehicle ( XXXX XXXX XXXX XXXX XXXX ) was repossessed from my home. I was informed verbally that the vehicle would be auctioned, but I never received the legally required written notification detailing the date, time, and location of the auction, as required by law. This lack of proper notice prevented me from attending the auction or exercising my right to present a potential buyer. The company never provided an official, formal auction notice with the required details. 
I received an email stating that the vehicle had been sold and that I was responsible for an outstanding balance of {$20000.00}. 
I repeatedly requested ( by email and phone ) a copy of the official auction invoice/receipt and any supporting documentation showing the exact sale price of the vehicle, as well as a complete breakdown of how the outstanding balance was calculated. The company refused to provide the auction invoice and only gave me a statement of the outstanding balance. 
On XX/XX/year>, a representative told me over the phone that they would escalate my request, but also stated that in their experience, XXXX never provides auction invoices to customers, and that I would receive a response from management within XXXX hours. As of XX/XX/year>, I had not received the requested documentation. 
I called again to request the invoice and verifying documents, and they once again refused to provide them. 
I am disputing this debt because I never received the legally required auction notice ( date, time, and location ), nor the official invoice proving the sale price, and I can not verify the amount owed without this mandatory documentation. 
I respectfully request that the CFPB investigate whether American Credit Acceptance failed to provide the legally required auction notice prior to the sale, and whether they are withholding the official auction invoice. If the company can not provide these required documents, I request that the alleged outstanding balance be eliminated and that all collection activity be suspended until proper documentation and legal compliance are demonstrated. 

I am submitting emails as evidence showing that I repeatedly requested the official auction invoice and supporting documentation, and that the company refused to provide it. I am also including proof of the email notification I received stating that my vehicle had been sold. Additionally, I am submitting call logs showing my phone attempts to resolve this issue, including the date, phone number of American Credit Acceptance, and duration of each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 youhave 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.

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 2025-12-03 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and misleading information on my credit report. I have an account that TransUnion is reporting as Open even though the creditor has placed the account in Collections/Charge-off status. A charged-off or collection account can not legally be reported as open, and this inaccurate reporting is causing significant harm to my credit profile.

TransUnion is also reporting contradictory and inconsistent information on the same account, including derogatory payment history after the account should have been closed, inaccurate monthly status updates, and conflicting remarks. This violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The information being reported is factually incorrect and materially misleading. 
I previously disputed this account with TransUnion and they verified the information without providing any documentation or explanation. This violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation. TransUnion also failed to provide the method of verification, including who they contacted at the furnisher, which I formally requested.

I am requesting the CFPB to require TransUnion to conduct a lawful reinvestigation and remove this account from my credit file if it can not be verified accurately and completely. The accounts reporting is inaccurate, misleading, and in violation of federal law, and it is damaging my ability to obtain credit.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Hi XXXX, While I appreciate the time and the phone call this morning, my lingering concerns are listed below. 



As far as immediate resolution, while I don't LOVE the idea of sending my checking account numbers via an unsecure email, you requested I provide this and I'm doing what's been asked. As I said on the phone, I do not have nor do I use checks and my previous loans have copies of voided checks in them. Additionally, as I said, I wiped out all XXXX XXXX accounts that were listed on my account as payment sources ( I did not list these ), and re-entered the correct information yesterday. The error on the account number was not my fault, I do not know how the XXXX separate XXXX accounts got entered ( XXXX was correct, XXXX was incorrect, and XXXX was blank ), and the error was recognized in XXXX and happened again in XXXX. Nevertheless, my checking account is : XXXX and the routing number is XXXX. 



To summarize next steps, action items and lingering concerns and opportunities for XXXX : Next Steps : Notate the specifics of this engagement, and the one in XXXX on my account Resolve the auto pay blocker on my account Refund the {$2.00} was NOT disclosed and I was charged for the debit card payment, which, should not have been required Figure out a solution to compensate me for my time, frustration, undisclosed fee, and the impact of XXXX 's failures Action Items : XXXX will work with the back office to validate my account is set back up on auto pay and will pull from the referenced checking account. 
XXXX will coordinate the refund of the additional {$2.00} fee which I was unfairly charged and was not disclosed XXXX will validate my account is notated that the XXXX returned payments were due to " unable to locate account '' and were not NSF XXXX XXXX to collaborate with leadership on a reasonable compensation for the time, financial, emotional, and psychological impact of these multi tiered gaps XXXX XXXX to call me with validation and outcomes of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I relocated and have attempted to transfer funds and close my accounts with Wells-Fargo. On XX/XX/year>, XXXX of my checking accounts which had a {$0.00} balance, I received a notice there had been a {$25.00} service fee assessed and the account balance was - {$24.00}. I had a notice unless this was corrected by XXXX XXXX  on XX/XX/year>, there would be further fees assessed. I transferred {$24.00} from another account to correct this on XX/XX/year>. 
On XX/XX/year>, I called the bank to get assistance with closing all the accounts. The rep told me the {$25.00} could be reimbursed. She then proceeded to close the account. After doing so, she conferred with a specialist who said this could not be reimbursed because the account had been closed. I asked to speak with the specialist who told me it could not be reimbursed- that the system would not allow this and there is no supervisor over me who can do anything about this.

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank closed XXXX good standing credit card accounts at once. All cards were up to date balances, no late payments, several 0 % financed paid off, and all in excellent status. 
A combined credit limit of {$66000.00} with all XXXX cards and balance of {$14000.00} all on XXXX month 0 % financing terms with set due dates. 
Limits : Guitar Center {$7500.00} XXXX {$12000.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX {$10000.00} and XXXX non-merchant cards XXXX XXXX {$9000.00} Synchrony Master Card {$10000.00} Synchrony Bank happily raised my credit limit on several of these accounts in the last XXXX weeks. It seems that they close consumer accounts that they deem unprofitable, where other banks and creditors support excellent credit records and timely assurance that consumers maintain. 

My credit rating is over XXXX and was improving.

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 2025-12-03 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: TX

Complaint narrative:
I am disputing items on my TransUnion report that are inaccurate or unverifiable. 

Charged-Off Accounts in Dispute TransUnion is reporting no charged-off accounts in this section, but the other bureaus show several accounts that should match. 
I am requesting TransUnion to confirm that all reporting is complete, accurate, and consistent across bureaus. If any accounts are suppressed or missing, I want verification that the reporting complies with FCRA accuracy standards. 

Inquiries in Dispute XXXX  XX/XX/year> This inquiry was not authorized by me and should be removed. 

Late Payment Reporting XXXX Acct : XXXX These late payments are incorrect and have not been validated. 

Request I ask TransUnion to : Remove the unauthorized inquiry. 

Validate the late payment reporting. 

Ensure all accounts reported are accurate and compliant with FCRA guidelines.

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 2025-12-03 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: GA

Complaint narrative:
Transunion is reporting a tradeline within my consumer report that is inaccurate and that violates the FCRA, XXXX compliance, and IRS requirements.

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