vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am contacting you regarding a collection account that continues to appear on my credit report despite being paid in full. The debt has been fully satisfied, yet the account is still being reported as an active collection, which is both inaccurate and unfairly damaging to my credit standing. 

Credit reporting standards require that once a debt has been settled, it must not continue to be reflected as an open or active collection item. The continued reporting of this account is misleading and a violation of accurate reporting requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am contacting you regarding a collection account that continues to appear on my credit report despite being paid in full. The debt has been fully satisfied, yet the account is still being reported as an active collection, which is both inaccurate and unfairly damaging to my credit standing. 

Credit reporting standards require that once a debt has been settled, it must not continue to be reflected as an open or active collection item. The continued reporting of this account is misleading and a violation of accurate reporting requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Filed a dispute with XXXX and the result was that the item will remain on my report until XXXX, It was paid in a settlement with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 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: TOWNEBANK
State: AZ

Complaint narrative:
I am submitting this complaint regarding Towne Banks mishandling of my auto loan payoff and vehicle title. 

I paid off my auto loan in full on XX/XX/year>. Towne Bank claims they mailed my vehicle title, but it was sent to an address that was never updated by me and was not confirmed before mailing. Towne Bank contacted me on XX/XX/XXXX to say that my Title and overpayment check was returned to sender and that they needed the correct address. I gave them the correct and updated address and asked if the Title an important document would be mailed with tracking and they said no, that is not something they do. I received the overpayment check but not the title. Ive contacted the bank multiple times since XXXX and have been basically told it is no longer their responsibility. I spoke to XXXX in the Loan department and was assured in XXXX that I would receive a lien release letter that I can take to the XXXX to get my title reissued. I never received that letter. I called again on the XXXX of XXXX and told by XXXX that she called the XXXX and it was now my responsibility to call the XXXX and figure out how to get a new title. They have made no reasonable effort to correct this situation and now I am facing additional fees from XXXX where I refinanced the vehicle for not producing a title I never received from Towne Bank. 


Furthermore, Towne Bank failed to provide my final loan statement until XXXX, 3 months after my payoff, which I requested several times. This lack of timely documentation and failure to securely deliver my title has left me without proof of ownership of my vehicle. 

I believe Towne Bank has not fulfilled its obligations under federal and state consumer protection laws regarding lien release and title delivery after loan satisfaction. 

I am requesting that the CFPB investigate Towne Banks practices and ensure that : 1. Towne Bank reissues my title immediately at no cost to me.

2. Towne Bank improves its procedures to confirm consumer addresses and ensure timely lien release. 

I am attaching all relevant documentation, including my payoff receipt, and final loan statement with Towne Bank. 

Thank you for your 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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: CO

Complaint narrative:
I received a school refund check of {$1500.00} from XXXX XXXX XXXX XXXXXXXX XXXX 
Certegy denied it at multiple locations. XX/XX/year> : XXXX XXXX denied. XX/XX/year> : XXXX denied. 
The " reason '' link they text is broken. 
You can not reach a live person at all. 
You're at risk of eviction because of this. 
Ive tried to get ahold of Certegy many times. Their website takes me to a scam alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am submitting a complaint after reviewing my credit report and discovering several entries that do not accurately reflect my financial history. These items are deeply concerning to me because they present a misleading picture of my creditworthiness and violate the protections provided to me under the Fair Credit Reporting Act.

One of the most troubling issues is the way some accounts are being reported as late and closed, even though many of them carry no balance. For, XX/XX/XXXXshould not continue to be reported negatively when no money is owed. In addition, XX/XX/XXXXare reporting late payments inaccurately. These entries are not consistent with my actual payment history, and under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), the information must be accurate, verifiable, and fair. 
I also noticed a charge-off that is being reported despite showing no balance : XX/XX/XXXX( Acct : XXXX * * XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXX It is misleading and harmful for this account to remain in a charge-off status under these circumstances. In line with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, I am requesting its removal. 
Additionally, there are collection accounts that appear incorrectly. XXXX XXXX / Original Creditor : XXXX XXXX XXXXXX/XX/XXXXare not valid representations of my obligations. The FCRA 605B / 15 U.S.C. 1681c-2 clearly protects me from having unverified or fraudulent collections remain on my file. 
Finally, I was concerned to see multiple inquiries listed that I did not authorize. These include XXXXXX/XX/XXXXXX/XX/XXXX I never gave consent for these inquiries, and their presence is unlawful under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which require inquiries to be authorized and permissible.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing multiple Affirm Inc. accounts that are currently reporting as potentially negative on my XXXX credit report with balances of {$47.00}, {$290.00}, and {$73.00} ( updated as of XX/XX/year> ). 

These accounts are being reported without proper validation, without proof of my consent, and without original signed agreements. Affirm has not provided me with any notice or documentation before furnishing these items to the credit bureaus. The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) require creditors and collectors to validate debts and ensure the accuracy of information before it is reported to consumer reporting agencies. 

Affirm has circulated my personal information and reported alleged debts without demonstrating ownership of the accounts, without proof that I authorized them, and without furnishing original contracts bearing my signature. This is a direct violation of my consumer rights and a serious invasion of my privacy. 

Also it is reporting late payments which is afffecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I have been trying to get my refund from the group borrower defense discharge since XXXX but keep getting the run around from Aidvantage. I received a letter in XXXX saying my loans were XXXX and XXXX weeks later they were removed from my credit report and there was a {$0.00} balance on the Aidvantage portal. When I called to inquire about the refund they said it take 7 months to a year for a refund and to call the borrower defense hotline for more information. I called the borrower defense in XXXX and they said that that it only take XXXX months for everything to go through so I called Aidvantage again XXXX tell them what XXXX told XXXX and they said they were still waiting on paperwork from Dept of Ed and to call back in a few months. I waited and called Aidvantage back in XXXX and they again said they were waiting on paperwork to be completed and to call the hotline again so I did an was informed that everything that needed to be sent was sent back in XXXX which is why my loan accounts were {$0.00} and no longer on my credit report. When I tried to contact Aidvantage afterwards they would hang up each time I called and when I finally was able to get through they said it would take a little while longer for processing and I would receive something on the mail once ready. I feel like Aidvantage is taking advantage of people at this point and not trying to give the funds back but Im not understanding how if the government gave the loan servicers money to close out the accounts per this court order why does it take so long to refund money that people have already paid out. Can someone please look into this because I have been very patient but my patience is wearing thin?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I have file multiple claims to verify information. Nothing changes dee to sham investigations. CRA even tell me it is not their responsibility to verify the information provided by creditors. 
I hired a company to continue the fight and challenge things for me. the CRA send me letters telling me they have taken no action on these letter and challenges

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 2025-09-12 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:
I have file multiple claims to verify information. Nothing changes dee to sham investigations. CRA even tell me it is not their responsibility to verify the information provided by creditors. 
I hired a company to continue the fight and challenge things for me. the CRA send me letters telling me they have taken no action on these letter and challenges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-12 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: NY

Complaint narrative:
Despite previous disputes, Experian has continued to report this account with multiple errors that violate the Fair Credit Reporting Act ( FCRA ) .The specific discrepancies include : 1. Future Reporting Date ( Impossible Entry ) : The balance shows as updated on XX/XX/XXXX, a date in the future. This is impossible and indicates Experian is reporting false or fabricated data. 
2. Contradictory Status : The account is labeled Paid off while still showing a past due balance of {$1500.00}. A paid account should not report as delinquent.

3. Conflicting Comments : The remarks state, Account closed at credit grantors request. Completed investigation of FCRA dispute consumer disagrees. Yet the account simultaneously appears as a collection account with {$1500.00} past due, which is contradictory and misleading.

4. Improper Payment History Reporting : The payment grid marks the account as

C ( Collection ) for multiple months. Once an account is sent to collections, it should not repeatedly show new collection notations each month. 5. Missing Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are blank. Without this information, the account is unverifiable under FCRA standards. 
XXXX. Conflicting Update Dates : The tradeline states the status was last updated in XX/XX/XXXX, yet also shows the balance updated in XX/XX/XXXX, which is inconsistent.

Company response to consumer: Closed with explanation