vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Formal FCRA Dispute Letter To : ProCollect , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account that appears on my credit report. 
The alleged debt being reported by ProCollect Inc. on behalf of XXXX XXXX XXXX XXXX is unverified, inaccurate, and legally unproven. 

I have never signed any contract, agreement, or authorization with ProCollect Inc. or with XXXX XXXX XXXX XXXX that would create a binding financial obligation. 
Therefore, under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute and request full validation and reinvestigation of this information. 

Applicable FCRA Codes and Legal Rights Re : Formal Dispute of Unverified Account under the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount Reported : {$5100.00} 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any item of information found to be inaccurate, unverifiable, or incomplete must be promptly deleted or corrected.

3. 15 U.S.C. 1681s-2 ( b ) The furnisher of information ( ProCollect Inc. ) has a duty to investigate, correct, or delete inaccurate or unverifiable data once notified by a consumer reporting agency.

4. 15 U.S.C. 1681e ( b ) Requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

5. 12 C.F.R. 1006.38 ( Regulation F ) A debt collector must cease collection activity and provide verification of the debt when the consumer disputes it in writing.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have recently call the credit card company XXXX XXXX XX/XX/XXXX. To follow up on both complaints of the use a credit cards that I did not have or take part of the service, that I requested. And the customer service department that they did not receive both complaints by faxed that was provided to upon my request. 
XXXX. On XXXX, XXXX I did not stay at a XXXX XXXX because no handicap accessiable accomdation. And requested a refund for XXXX nights at {$120.00} XXXX # XXXX. 
XXXX. On XX/XX/XXXX, I requested a refund because I was in the VA XXXX and was unable to go on a future trip to NC on XX/XX/XXXX and had cancel my airline Reservation on XX/XX/XXXX with XXXX XXXX  and XXXX customer service and was given a future airline credit to fly.until next year XX/XX/XXXX. I am unable to fly period due to my physcial limitation and had provided a VA doctors note upon their request for a credit card refund instead and no response, they just keep losing my faxed paperwork and request and keep telling to keep providing another faxed copy.of both disputed complaints while I still make on time credit card payments.

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 2025-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
Subject : FINAL DEMAND FOR IMMEDIATE CORRECTION OF AUTO LOAN ACCOUNT [ Loan Account # XXXX ] ATTN : SAFCO This letter constitutes my final formal demand regarding the handling of my auto loan account referenced above. My review of this account reveals improper crediting of payments, misapplied fees, and potential violations of federal and state law. 

This letter serves as notice that continued failure to correct these issues will result in immediate escalation and potential legal action.

1. Federal Law Violations TILA 1666d / Regulation Z Under the Truth in Lending Act ( 15 U.S.C. 1666d ) and Regulation Z, all payments must be credited as of the date received. Evidence shows that the following payments were delayed or misapplied, resulting in unauthorized fees, interest, or account mismanagement : Payment Date Sent Amount Date Credited Notes [ XX/XX/XXXX ] $ [ XXXX ] [ XX/XX/XXXX ] I demand a complete written accounting showing all payment receipt dates, crediting dates, and how each payment was applied to principal and interest.

2. Breach of Contract / UCC Violations & Duty of Good Faith Under UCC 3-601, 3-603, 9-609 and the implied covenant of good faith and fair dealing, your obligations include : Posting all payments accurately and promptly. 

Notifying me of discrepancies in writing. 

Avoiding misapplication of payments, or using delays to collect extra fees or interest. 

Failure to comply constitutes breach of contract, bad faith, and wrongful handling of my account, exposing you to potential legal liability and damages. 

XXXX. DEMAND FOR IMMEDIATE CORRECTIVE ACTION I hereby demand that within 30 calendar days of receipt of this letter you : Provide a full, detailed account history showing all payments received, posted, and applied.

Correct any misapplied or delayed payments immediately.

Refund any late fees, excess interest, or penalties caused by improper crediting.

Provide written confirmation that my account is fully corrected and in compliance with TILA and UCC requirements.

4. NOTICE OF LEGAL LIABILITY If these issues are not fully resolved within 30 days, I will escalate immediately by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Contacting my State Attorney General / Department of Financial Institutions.

Pursuing all legal remedies for breach of contract, bad faith, violations of TILA 1666d, and UCC provisions, including recovery of actual damages, fees, and any statutory penalties. 

This letter serves as formal written notice under federal and state law. You are on notice that continued failure to correct these matters may result in legal action without further notice.

I expect your written response and full correction within 30 calendar days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: NJ

Complaint narrative:
Servicing Solutions LLC is reporting an account on my credit report that is falsely listed as an open credit card account. I have no relationship with this company, have never applied for or opened any account with them, and they have failed to provide any proof that I am the rightful owner of the alleged debt.

When I contacted the company and researched them, I found that Servicing Solutions LLC is not a credit card issuer, yet they are reporting themselves as one on my credit file. They have also failed to provide any identifying details about the accountsuch as a complete account number, original application, or documentation connecting the account to me.

This false reporting has caused damage to my credit reputation, interfered with my ability to obtain financing, and caused emotional and financial XXXX. I believe this reporting constitutes false representation and a violation of the Fair Credit Reporting Act ( FCRA ) because the company is furnishing inaccurate information without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is furnishing demonstrably inaccurate and materially misleading information to XXXX XXXX reporting agencies regarding an alleged XXXX XXXX  account. PRA reports a fabricated Date of Last Activity : XX/XX/2025, despite no verified consumer activity or documentary evidence supporting that date. This conduct constitutes re-aging and the furnishing of false information in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Specifically, PRAs continued reporting of this unverified tradeline violates FCRA obligations to ensure accurate reporting and to reinvestigate disputed information ( see 15 U.S.C. 1681i ( a ) and 1681s-2 ), and it constitutes communication of false credit information prohibited under the FDCPA ( see 15 U.S.C. 1692e ( 8 ) ). I previously disputed this tradeline through XXXX  and requested validation under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), including : proof of ownership or assignment from XXXX XXXX, a complete transaction/payment history, a copy of any signed agreement relied upon, and verification of the correct Date of Last Activity. PRA has failed to produce any competent documentary evidence validating ownership, assignment, or the alleged balance, yet continues to furnish and update the tradeline monthly. 
PRAs actions amount to willful or negligent noncompliance with the FCRAs reinvestigation and accuracy requirements and the FDCPAs prohibition on false or misleading representations. I demand immediate deletion of this unverifiable tradeline from all consumer reporting agency files and written confirmation that PRA has permanently ceased all furnishing and collection activity related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I purchased concert tickets through someone on XXXX, they wanted to use chime, so i downloaded it, and used it, the person blocked me after, so I know its a scam, i called chime support, all they told me to do was to file a police report, but didnt dispute my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that Experian conduct a full reinvestigation of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and correct the following inaccuracies : Delete all incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Remove the following incorrect and outdated addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( reported since XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX the following incorrect employers : XXXX XXXX XXXX and XXXX, and XXXX XXXX 

My correct and verified personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Current Employer : XXXX XXXX XXXX I am requesting that Experian immediately delete all inaccurate names, outdated addresses, and incorrect employer information, and update my credit file to reflect only the verified and correct information listed above.

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 2025-10-12 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: NY

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


ACCOUNTS XXXX XXXX balance which is an auto loan has violated my rights. 


INQUIRE XXXX XXXX ( Finance ) I looked at my Transunion credit report and see that some things are not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX and Westlake Financial bank finance and forged my signature for XXXX dollars for a used XXXX XXXXXXXX XXXX I was leasing...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
XXXX is inaccurately reporting a charged-off account that was sold to a third party. This violates FCRA 15 USC 1681s-2 ( b ) and 1681i, as they failed to conduct a reasonable investigation or verify the data furnished to Equifax. Reporting a sold account with an active balance and charge-off status also violates Metro 2 compliance and FDCPA 807 ( 8 ). Despite being notified, XXXX continues to report unverifiable, inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: VA

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX  data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I ask the CRAS for validation of debt however has not been provided due to my information being exposed in have submitted a ftc complaint reporting the information i am not familiar with. Please find attached copy of my ftc, ID and proof of exposure of information on the data breach, debt validation letter. Also them removing and reinserting my account with no notification to me. On XX/XX/XXXX TransUnion stated that they deleted XXXX  from my account as response to my cfpb complaint however it was not deleted or removed.Balance Error Highest balance : {$1500.00} Reported balance : {$1600.00} Claiming a balance higher than the highest recorded is inaccurate and violates XXXX data consistency. 
Payment History Contradictions Last payment : XX/XX/XXXX Account shows XXXX % on-time payments and continuous derogatory reporting through XXXX, even though no payments are recorded after XXXX. 

The 90119 days late remark should not continue after a charge-off/write-off, because post-charge-off lates = re-aging ( illegal under FCRA 623 ( a ) ( XXXX ) ). 
Under XXXX guidelines, an account can not simultaneously be open and charged-off/write-off. 
A charge-off means the creditor has closed the account and written it off as a loss. Reporting both statuses at once = false, misleading, and non-compliant reporting ( violating FCRA 1681e ( b ) for accuracy and 1681i for reinvestigation standards ).

reporting as open or derogatory, they are in violation of 15 U.S.C. 1681c-2 ( a ) Subject : FCRA 605B Identity Theft Block Non-Compliance Request for Immediate Removal To : [ Experian / Equifax / TransUnion ] Date : XXXX XXXX Dear TransUnion, Experian, Equifax This is a formal notice that your continued reporting of the account XXXX XXXX Account # violates my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2.

I submitted a valid Identity Theft Report and requested an FCRA 605B block due to a data breach and unauthorized use of my personal information. Despite that, this account remains on my file as open, profit/loss write-off, and derogatory, which is inaccurate and harmful.You are required by law to block this tradeline within 4 business days of receiving my request and identity theft documentation.Please immediately remove or block all reporting of this account from my credit file and send written confirmation of deletion. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. 

Any item that can not be verified or is inaccurate must be permanently removed. 



2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. 



3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. 



4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. 



5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.

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 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. 

Any item that can not be verified or is inaccurate must be permanently removed. 



2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. 



3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. 



4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. 



5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.

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 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on Credit Report To Whom It May Concern, According to my most recent credit report, these unauthorized inquiries were conducted. I did not grant any authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I request the immediate removal of these unauthorized credit inquiries in my credit report from the three main credit bureaus. 
Below are the items which I am disputing : * These inquiries were not authorized. Delete them from my credit report immediately : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The presence of these inquiries are adversely affecting my credit report and are impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to a swift 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 explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a car. When my lease was almost over, I was given an option to extend my lease. The company agreed, but never filed my paperwork. I continued to make payments. They continued to accept. They repossessed my car. The economy was bad. Car dealerships needed cars. I had immaculate credit. They put a repo remark on my credit report. I tried to hire a lawyer, but I guess my problem is minuscule. Its not right. They are placing me in the same category as someone who fails to make payments. Not right.

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