vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
In XX/XX/year>, I was released from the lease for XXXX  XXXX with XXXX XXXX XXXX XXXX. I contacted the property management company to request confirmation of my release and a copy of the release letter. 

XXXX XXXX, XXXX XXXX XXXX, responded via email on XXXX XXXX XXXX  confirming that I was released from the lease without any additional fees and that nothing further was owed. The emails also stated that no signature or additional action was needed on my part. 

Despite this, a collection account related to this lease was reported on my credit report as a debt. This reporting is inaccurate, as I have official documentation from the property management company proving I am not responsible for any additional payments. 

I have already disputed this account with the credit bureau and provided the emails as evidence, but the account remains on my credit report. I am requesting assistance to have this incorrect debt removed. 

Attachments : Emails from XXXX XXXX confirming release from the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I acknowledge the company requested more time. 

However, this account is currently being reported with different open dates and different activity dates across XXXX  and XXXX, while XXXX  does not report it at all. Under FCRA 1681i ( a ) ( 1 ) ( A ), unverifiable and inconsistent data must be corrected or deleted, not delayed. 

I am requesting that CFPB require XXXXMidland Credit to finish the reinvestigation or delete the trade line if it can not be properly verified within regulatory time limits. These discrepancies are harming my credit, and extended delay limits my ability to apply for housing and credit legitimately. 

I request a resolution before the 60-day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have an outdated tradeline reporting on my credit report. There has never been any activity with this account. This account is over seven years old. It is severely outdated and should not illustrate false information. This account is falsely reporting activity. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Credit Limit : {$8000.00} Balance : {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Samsclub credit card of XXXX of fraudulent charges I asked to be waived

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
* * CFPB Complaint Debt Not Validated/ Potential FCRA & FDCPA Violations * * * * Complainant : * * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX * * Date : * * XX/XX/year> -- - I am filing this complaint against * * Northstar Location Services , LLC * *, who is attempting to collect an alleged XXXX  XXXX XXXX debt without providing the legally required validation. 

I requested validation under * * FDCPA 15 U.S.C. 1692g ( b ) * *. They have * * not * * provided : * Proof the debt is mine * Proof they have the legal right to collect * Full itemization of the balance * Original contract or agreement * Chain of title/assignment They are still attempting collection activity while failing to validate the debt, which violates the FDCPA. 

Under * * FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, they may * * not * * report or verify any information that is unverified or inaccurate. They have already confirmed the debt is * * not on TransUnion * *, raising concern about inconsistent or inaccurate reporting with Experian and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-11-28 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: MD

Complaint narrative:
My credit score has been significantly going down and it shouldn't be ... none who does soft pulls shows what is on the 3 credit reporting agencies .. the score is sometimes a 40  point difference and that's alarming and systematically being done due to economic and systematic 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 explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mandarich Law Group, LLP
State: NV

Complaint narrative:
Im being sued by a company that I know nothing about a collection company that is suing me but has my address listed incorrectly in paperwork showing that wrong address. They added extra numbers not sure why? Makes me wonder is it even my debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: KS

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is inaccurately reporting a debt on my credit report, and despite the account being fully paid, they have failed to update the status as required. I satisfied this debt in full over XXXX  days ago. At the time of payment, XXXX XXXX XXXX informed me that the account would be updated to reflect a paid status. However, the account is still showing as unpaid or derogatory on my credit reports, which is incorrect and damaging. 

I have made multiple attempts to contact XXXX XXXX XXXX directly to correct this mistake, but I have not been provided with any resolution or confirmation that the account will be updated. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide accurate and timely information to credit bureaus. 

Because of this inaccurate reporting, my credit standing is being negatively affected, causing financial harm and potential obstacles in obtaining future credit. I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to immediately update the account to show the correct paid status, and remove any inaccurate negative information associated with this debt. 

Thank you for your assistance. 


-- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute and request for full accounting under XXXX XXXX, TILA XXXX XXXX. XXXX, and XXXX XXXX XXXX, including verification of finance charges, APR, dealer reserve, and source of funds for this retail-installment contract executed on XX/XX/XXXX for {$36000.00}. The company has not provided the requested accounting as of XX/XX/XXXX. All actions are in accordance with 15 U.S.C. 1666 and 1681s-2 ( a ) ( 8 ). Rights reserved under UCC 1-308. I request that this information be forwarded to the company and that full accounting be provided as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting this account as charged off since XX/XX/year>. This is inaccurate, as the account was supposedly charged off with a settlement agreement in XX/XX/year>. I also made payments as per the agreement. I also never received the 1099-C which validates the debt write off.

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 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting this account as charged off since XX/XX/year>. This is inaccurate, as the account was supposedly charged off with a settlement agreement in XX/XX/year>. I also made payments as per the agreement. I also never received the 1099-C which validates the debt write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
On or around XX/XX/year>, I attempted to withdraw {$63.00} from my Cash App account to my linked bank. Cash App blocked the withdrawal and suspended my account for suspicious activity without explanation. I requested the specific reason for the suspension and the timeline for releasing my funds, but Cash App refused to provide any information. I can not access my money even though no policy violation was explained. I am requesting the immediate release of my {$63.00} and a clear explanation for why the withdrawal was blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: CT

Complaint narrative:
XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
XXXX Contacted on XX/XX/XXXX under the company XXXX for the first time claiming I needed to pay XXXX bucks because of a XXXX loan I never took out... I live in XXXX, they are threatening me with court in XXXX. Said there is an arrest warrant. 

Then XXXX Emailed me XX/XX/XXXX saying I owe XXXX XXXX and they are again saying they are with XXXX and telling me I am delinquent on a loan I never signed for nor received. and now ... its showing on my credit report with ability recovery services... I am extremely confused because I never received this money.

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 2025-11-28 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
Summary : TransUnion is reporting outdated, incorrect, or unassociated personal identifiers. These entries violate FCRA 602 ( A ) and 607 ( b ). 

Items to Correct/Delete : Addresses : 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 XXXXXXXX ( duplicate ) Employer : XXXX XXXX  Requested Action : Remove all inaccurate information ; maintain only current identifiers. 

2 Unauthorized / Improper Hard Inquiries Summary : Multiple hard inquiries lack permissible purpose under FCRA 604 ( a ) and are damaging my credit score. 

Inquiries to Remove : XXXX XXXX XXXX XXXX ( unauthorized applications ) XXXX XXXX XXXXXXXX XXXX Personal Loans XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any duplicate/repeated inquiries Requested Action : Delete all unauthorized or unverifiable inquiries immediately. 

XXXX XXXX XXXX XXXX  Metro-2 / Reporting Errors Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary : Inaccurate high credit reporting, inconsistent scheduled payments, missing/contradictory fields, and balance spikes violate FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 

Requested Action : Reinvestigate fully ; correct or delete all unverifiable/inaccurate data. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary : Irregular past due amounts, missing scheduled payments, and high balances violate Metro-2 standards and FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 

Requested Action : Correct or delete all inaccurate reporting immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary : Balance jumps, inconsistent scheduled payments, and irregular high credit reporting violate Metro-2 standards, FCRA 607 ( b ), and 623. 

Requested Action : Correct or delete all inaccurate data immediately.

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 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief