vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Date : XX/XX/2025 CFPB Complaint I.C. System, Inc. XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, This letter is a follow-up regarding the I.C. System, Inc. collection account related to XXXX XXXX XXXX, currently appearing on my Experian credit report with a balance of {$530.00} and an Account information disputed by consumer notation. 

I previously disputed this account through the credit bureaus and requested validation from I.C. System, Inc. pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
To date, no supporting documentation has been provided. 

Specifically, I.C. System has not produced : XXXX. A copy of any signed agreement or authorization from XXXX XXXX XXXX establishing liability. 
XXXX. An itemized billing statement showing how the balance was calculated and when charges occurred. 
XXXX. Proof that I.C. System is authorized by XXXX XXXX XXXX to collect or report this account to credit bureaus. 
XXXX. Any evidence that the debt is accurate, current, or lawfully owed by me. 

Despite this lack of validation, I.C. System continues to report the account as a collection item to Experian, causing ongoing harm to my credit profile. 
This is a clear violation of both the FDCPA and the FCRA. 



Requested CFPB Actions I respectfully request that the CFPB : 1. Direct I.C. System, Inc. and XXXX XXXX XXXX to provide full and complete debt validation documentation. 
XXXX. Compel deletion of this account from all credit bureaus if such validation can not be produced. 
XXXX. Record this matter as a continuing violation for reporting unverified information in my consumer file. 

Please remove this from my credit report ASAP Thank you for your time and attention to this matter. 

Sincerely, 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 2025-10-19 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:
Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being reported :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
I am disputing the accuracy of a repossession account reported by BMW Financial Services ( Account ending in XXXX ). The account shows a balance of {$17000.00} and a repossession status, but BMW has not provided documentation verifying the balance or the sale of the vehicle as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I requested validation from BMW Financial Services, asking for : A copy of the original signed retail installment contract The deficiency notice showing how the remaining balance was calculated Proof of the vehicles sale price and related fees BMW did not provide any of this information, yet continues to report a negative tradeline and outstanding balance. This incomplete and unverified reporting is harming my credit and may violate Sections 611 of the FCRA and 809 of the FDCPA.

I am requesting that BMW Financial Services either : 1. Provide full documentation verifying the accuracy of this account, or 2. Delete the inaccurate tradeline from all credit reporting agencies ( XXXX XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NC

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts that I did not open or authorize. These accounts include auto loans, collection accounts from telecommunications companies, and various lines of credit. The existence of these accounts indicates that I am a victim of identity theft and/or widespread credit reporting errors. 

Detailed Timeline and Description : On or around XX/XX/XXXX : An auto loan account appeared on my credit report from XXXX XXXX XXXX did not apply for, authorize, or receive any funds from this loan. The account immediately reported as severely delinquent, which is consistent with fraudulent activity. 

Between XXXX and XXXX : Multiple collection accounts from debt buyers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appeared on my report. These accounts reference original creditors including XXXX XXXX XXXX XXXX XXXX and XXXX. I have never had accounts with these original creditors for the amounts listed and did not incur these debts. I have never been contacted by these collection agencies prior to seeing them on my report. 

In XXXX : An installment loan from XXXX appeared on my report with a balance of over {$1300.00}, reporting as charged off. I did not open this account. 

Prior to XXXX : A telecommunications account from XXXX was opened and subsequently charged off with a balance of over {$2800.00}. I did not open or use this account. 

In XXXX : A line of credit from XXXX, XXXX was opened and quickly charged off. I did not apply for or authorize this line of credit. 

Actions Taken by Me : I first became aware of these issues upon obtaining my credit report in XX/XX/XXXX. 

I have placed extended fraud alerts and security freezes on my credit files with all major consumer reporting agencies to prevent further fraudulent activity. 

I am in the process of filing a report with my local law enforcement agency regarding this identity theft. 

I am formally disputing all of these accounts with the credit bureaus and corresponding data furnishers as fraudulent and not mine.

Resolution Requested : I request that the involved companies : Conduct a full investigation into these accounts.

Provide me with all application and transaction records, including any signed contracts or proof of my authorization, to verify the legitimacy of these debts.

Permanently remove all these fraudulent accounts and their associated negative payment history from my credit file.

Cease all collection activities and reporting on these accounts immediately.

This pattern of accounts is not consistent with my financial behavior and is the result of either systemic errors or identity theft. I look forward to your prompt investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NC

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts that I did not open or authorize. These accounts include auto loans, collection accounts from telecommunications companies, and various lines of credit. The existence of these accounts indicates that I am a victim of identity theft and/or widespread credit reporting errors. 

Detailed Timeline and Description : On or around XX/XX/XXXX : An auto loan account appeared on my credit report from XXXX XXXX XXXX did not apply for, authorize, or receive any funds from this loan. The account immediately reported as severely delinquent, which is consistent with fraudulent activity. 

Between XXXX and XXXX : Multiple collection accounts from debt buyers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appeared on my report. These accounts reference original creditors including XXXX XXXX XXXX XXXX XXXX and XXXX. I have never had accounts with these original creditors for the amounts listed and did not incur these debts. I have never been contacted by these collection agencies prior to seeing them on my report. 

In XXXX : An installment loan from XXXX appeared on my report with a balance of over {$1300.00}, reporting as charged off. I did not open this account. 

Prior to XXXX : A telecommunications account from XXXX was opened and subsequently charged off with a balance of over {$2800.00}. I did not open or use this account. 

In XXXX : A line of credit from XXXX, XXXX was opened and quickly charged off. I did not apply for or authorize this line of credit. 

Actions Taken by Me : I first became aware of these issues upon obtaining my credit report in XX/XX/XXXX. 

I have placed extended fraud alerts and security freezes on my credit files with all major consumer reporting agencies to prevent further fraudulent activity. 

I am in the process of filing a report with my local law enforcement agency regarding this identity theft. 

I am formally disputing all of these accounts with the credit bureaus and corresponding data furnishers as fraudulent and not mine.

Resolution Requested : I request that the involved companies : Conduct a full investigation into these accounts.

Provide me with all application and transaction records, including any signed contracts or proof of my authorization, to verify the legitimacy of these debts.

Permanently remove all these fraudulent accounts and their associated negative payment history from my credit file.

Cease all collection activities and reporting on these accounts immediately.

This pattern of accounts is not consistent with my financial behavior and is the result of either systemic errors or identity theft. I look forward to your prompt investigation and resolution.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
Mortgage fraud identity theft Defraud Definition of character. This is what XXXX did to me. Used my name on a loan and used my father 's social security number on the loan and printed a name on loans paperwork and change names on the Credit reports. Lied about this from 2003- till now. I asked them to give me my information since they said it was me and my mother names was on the deed. To show me my information. There answer was get a lawyer, but I talk to one and they said I can request my information. What are they hiding that they refused to give me my information? I know the truth. If I don't get my information, I'll be Issuing a criminal investigation on XXXX Are XXXX XXXX have all the fraud that they did, as well as XXXX, financial and XXXX XXXX XXXX. I have it all. All must show me my account details as well my information. I request and I demand it. That's the law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Im filing this complaint because I was misled about the welcome offer eligibility when applying for an American Express XXXX XXXX credit card. I saw the welcome bonus promotion when I was purchasing a XXXX XXXX, and the welcome bonus was the primary reason I decided to apply. I was never informed at any point during or after the application that I was ineligible, and I met the required spending threshold expecting to receive the bonus. 

When the bonus didnt post, I contacted Amex customer service. Only then did I learn I was not eligible, and they gave only vague reasons like based on your history with balance transfers, welcome offers, or the number of cards. These reasons make no sense this is my first time applying for this card, Ive never closed any Amex accounts, and I have no loan or transfer history. 

To make matters worse, after opening the card, I couldnt even use it to purchase XXXX XXXX, making the card essentially useless to me. This is misleading and unfair. Had I been told upfront, I would not have applied or spent that amount. Im asking for the welcome bonus to be honored as originally presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/year> CFPB Complaint ProCollect, Inc. / XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, This letter is a formal follow-up regarding the ProCollect, Inc. collection account related to XXXX XXXXXXXX XXXX  currently appearing on my XXXX credit report with a balance of {$570.00} and noted as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

I previously disputed this account directly with the credit bureaus and requested validation from ProCollect , Inc. in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

To date, no supporting documentation has been provided to establish the validity or accuracy of this alleged debt.

Specifically, ProCollect, Inc. has not provided : 1. A copy of any signed lease agreement or application bearing my signature from XXXX XXXX XXXX. 
2. A final itemized statement of charges detailing what the alleged {$570.00} balance represents.

3. Proof that ProCollect, Inc. was legally authorized by XXXX XXXXXXXX XXXX to collect or report this account. 
4. Evidence of proper notice of debt validation rights as required by the FDCPA.

Despite the lack of validation, ProCollect continues to report this collection account to XXXX which is inaccurate and harmful to my credit profile. 
This constitutes a violation of both the FDCPA and the FCRA for continuing to report unverified information. 



Requested CFPB Actions I respectfully request that the CFPB : 1. Direct ProCollect, Inc. and XXXX XXXX XXXX to provide full and complete debt validation documentation. 
2. Compel deletion of this account from all credit bureaus if proper validation can not be produced.

3. Record this as a continuing violation for furnishing and maintaining unverified data on my consumer credit file. 

Please remove this from my credit report as soon as possible Thank you for your attention and continued advocacy in this matter. 

Sincerely, 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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year> I went to the website XXXX. It is a site made to look like XXXX and preys on people like myself to not notice that I clicked on the incorrect website address. It asked me to authorized my account with them by giving a debit card number. While I thought that was odd, I assumed I was not on a scam site and gave my cashapp debit card number and info. It did not say anything anywhere about charging my card. When I noticed the charge on my cashapp card later, I took screenshot of my XXXX  account page showing that there was no mention at all of any charge at all and that my card nunher was given only to validate my account. I emailed XXXX and got nothing back. I took it up with cashappXXXX  on XX/XX/year> and sent them all the documentation I had from taking screenshots of my account on the website XXXX  and also screenshots that showed XXXX reviews for XXXX  of people complaining of the same thing happening to them. Cash app denied my dispute XX/XX/year> with the reason of " Denied. After further review, it appears that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. You can reach out to support for dispute documentation at any time. '' I called the customer support number many times to discuss this further and request the documentation they refer to in the denial, however cashapp customer support rarely had an actual human and instead had a recording that would answer telling customers to refer to the app for support. When I finally spoke with an actual human at the support number, I was told the documents would be viewable in my casbapp under the documents tab, however they never appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because [ XXXXXXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX  days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted 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 XXXXXX/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 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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