vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing. They are reporting a collection account that contains conflicting and inaccurate information across credit bureaus. Specifically, the open date and date of first delinquency are inconsistent, suggesting illegal re-aging of the debt. 

Under the Fair Credit Reporting Act ( FCRA ) 605 ( c ), no account may be re-aged to remain on my credit report longer than 7 years from the date of first delinquency. Reporting inconsistent dates violates FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting. 

I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), but Fair Collections & Outsourcing failed to provide proper documentation proving the validity of this debt and their authority to collect it. Reporting unverifiable debt to credit bureaus is a violation of federal law. 

Because the account is inaccurate, unverifiable, and appears to be re-aged, I request that this collection account be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
When I first was off the GAP I declined the finance kept being so persistent like I had to use their product. I called Thursday, XX/XX/XXXX at XXXX and spoke with the manager XXXX she stated she couldnt assist with me getting the document to cancel then she transferred me to the finance department the finance manager that answered the phone had a heavy XXXXXX/XX/XXXXstated that my finance manager was not available and hung up in my face. Then on Wednesday, XX/XX/XXXX my finance manager XXXX called to receive my down payment over the phone I then told him I wanted to cancel the GAP it still was a lot of back in forth to get the form emailed to me I also wanted to add that my identity and banking information was compromised because XXXX XXXX XXXX XXXX allowed he to retrieve this information over the phone. ( I recorded this conversation ) The next day Thursday, XX/XX/XXXX at XXXXXX/XX/XXXX I reached out to see if XXXX received the cancellation form for the GAP because he did not respond to the email and I spoke with another manager she did not address herself but I recorded that conversation too. And she also did not send me a copy showing that the GAP was canceled nor did the finance manager send me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I sent {$130.00} via cash app to my son XXXX account on XXXX XXXX. However ; the funds went to an old account that cant be accessed. When we tried to access account it said cant recover or doesnt exist. I chatted via chat/ phone with customer support regarding this. I was told that all that needed to be done is have my son call and theyll transfer the money to his new account. Which ; he did, after being connected to numerous different people ; he was told there was nothing they could do. Cash app is telling us 2 different stories. They cant send the money back to me because it has been sent and completed. He cant get the money because they wont transfer it to his new account. Therefore ; the money is sitting in an account that doesnt exist. I dont understand how the money went into an account that doesnt exist. I would like the return of money to go to sender or to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is in response to your claim that the information you are reporting on my credit profile is valid. The account in question is being reported by XXXX XXXX XXXX XXXX. I have never entered into a contractual agreement with your company, and as Georgia is a contract state, any alleged debt must be supported by a verifiable, signed contract. To comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : 1.A copy of the original signed contract or agreement establishing my obligation to this debt, including documentation of the original creditor. 2. Legal proof that XXXX XXXX XXXX XXXX has the right to collect on this debt, such as a bill of sale or assignment agreement. Until this documentation is provided, the debt remains unverified and must not be reported, collected, or pursued further. Failure to provide this validation will result in my filing formal complaints with the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office for violations of federal and state consumer protection laws. This is a continued dispute. I expect your written response within the 30-day timeframe as required by law. Upload SUPPORTING DOCUMENTATION proving I entered into a contract with a third party for the alleged debt. Georgia is a. CONTRACT state show me the proof. Sincerely, CM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The account was opened on N/A and began reporting negatively on Reported 2024. 
This collection account relates to XXXX XXXX and has not been properly validated. It was reported in 2024 despite bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: U.S. BANCORP
State: FL

Complaint narrative:
On my credit reports, there are several hard inquiries that I did not authorize and therefore should not be reported. Under the Fair Credit Reporting Act, inquiries must have a permissible purpose and my consent. 

The inquiries in question are : XXXX XXXX XX/XX/XXXX ( appears as a duplicate inquiry from the same loan sequence as another XXXX XXXXXXXX inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ( not authorized by me ) XXXX XXXX XXXXXXXX XX/XX/XXXX ( not authorized by me ) U.S. Bank XX/XX/XXXX ( not authorized by me ) I previously disputed these inquiries with the credit bureaus and the furnishers, but they remain on my file without validation. None of the furnishers provided evidence of a signed application or proof of permissible purpose. 

These inquiries are damaging my credit and are being reported in violation of the Fair Credit Reporting Act and XXXX XXXX compliance standards. 

I am requesting that the CFPB require the furnishers and the credit reporting agencies to either : Provide documented proof of my authorization for each inquiry, OR Delete the inquiries 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This Capital One credit card was included in bankruptcy but continues to report derogatory information. 

The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This XXXX XXXX account began reporting derogatory lates in XX/XX/XXXX despite resolution. 

The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This XXXX XXXX line of credit opened XX/XX/XXXX and immediately reported lates in XX/XX/XXXX, then closed. This is inaccurate. 

XXXX XXXXXXXX XXXX  What happened : The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This federal student loan shows late payments starting XX/XX/XXXX, during periods of federal relief and forbearance. 

XXXX XXXX XXXX What happened : The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This federal student loan shows late payments starting XX/XX/XXXX, also during federal relief periods. 

What happened : The account was opened on N/A and began reporting negatively on Reported XXXX. 
This collection account relates to XXXX XXXX and has not been properly validated. It was reported in XXXX despite bankruptcy. 

XXXX XXXX XXXX The account was opened on N/A and began reporting negatively on Reported XXXX. 
This tradeline shows 19 missed payments and marked 'currently late. ' The reporting is inaccurate and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Called Westlake and was denied payment option because I did not use the word yes on a recorded line for the payment. 
Car was repossessed and now Im being told I need to pay the full loan to have it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: 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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to appeal this denied claim dispute to have it reopen and investigated again I disagree with the decision was made on it As advised in previous responses, on XX/XX/year>, you initiated a dispute through Ally Online Services ( AOS ) for a Point-of-Sale ( POS ) transaction for {$59.00} from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, US that debited your Spending Account ending in XXXX. Ally Bank complies with Regulation E, which allows consumers to dispute electronic fund transfers that meet the definition of an error as defined under the regulation. However, you are not entitled to reimbursement under Regulation E for the transaction in question because the transaction is considered authorized. As of the date of this letter, Dispute XXXX, previously known as Dispute XXXX, is still under investigation. It may take up to 90 days to obtain a response from the merchant and checking account number is XXXX etc.

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 2025-10-03 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: CA

Complaint narrative:
To Whom It May Concern : This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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

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 2025-10-03 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only on stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 168li of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Falling that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : Discover Credit Card & Account Number:XXXX This account is listed as a charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
XX/XX/2025 I called the company phone number. Someone at a desk answered and transferred me to a XXXX XXXX XXXX who proceeded to be rude, unprofessional, and then hung up in my face after I advised him that I do not reside at the address they have. He then proceeded to ignore all other attempts at contact. He is to no longer send me any communications. 
I proceeded to call back and request information. I was given information on the address and all the lawyers names that were employed at the establishment. After speaking with a desk agent and a manager, I realized that they were not going to provide any further information as they continued to ignore or avoid answering my questions. 
They all proceeded to accuse me of saying I was falsely saying they hang up on people ( even though reviews about the company solidify that my experience is not uncommon for this firm ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts does not belong to me. Dont know how they got into my files or who put them there. This what has been done to me is disturbing and bizarre. Listed are accounts that dont belong to me. 

XX/XX/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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This XXXX XXXX credit card was included in bankruptcy but continues to report derogatory information. 

The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This Continental Finance account began reporting derogatory lates in XX/XX/XXXX despite resolution. 

The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This XXXX XXXX line of credit opened XX/XX/XXXX and immediately reported lates in XX/XX/XXXX, then closed. This is inaccurate. 

XXXX XXXX XXXX What happened : The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This federal student loan shows late payments starting XX/XX/XXXX, during periods of federal relief and forbearance. 

XXXX XXXX XXXX What happened : The account was opened on XX/XX/XXXX and began reporting negatively on XX/XX/XXXX. 
This federal student loan shows late payments starting XX/XX/XXXX, also during federal relief periods. 

What happened : The account was opened on N/A and began reporting negatively on Reported XXXX. 
This collection account relates to XXXX XXXX and has not been properly validated. It was reported in XXXX despite bankruptcy. 

XXXX XXXX XXXX The account was opened on N/A and began reporting negatively on Reported XXXX. 
This tradeline shows 19 missed payments and marked 'currently late. ' The reporting is inaccurate and misleading

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