vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCM Finance LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I sold a house in XXXX XXXX XXXX XXXX XXXX, Co XXXX. XXXX XXXX acct XXXX said I owed money because this house was inhabited in XXXX and they provided services. Again I sold this house in XXXX and this house gone thru several owners. They said I opened up a rental agreement in XXXX so I am responsible. They sold this debt to IC Systems who on Friday XX/XX/XXXX hit my credit report. Nobody at either company can provide me proof as I can show I lived another state and nothing do with this house. IC Systems said they understood and said pay half the balance total balance {$1300.00} or {$650.00} to make it go away! That is XXXX male or extortion you pick. Neither company has any 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 2025-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Better Debt Solutions LLC
State: CA

Complaint narrative:
I have been receiving unsolicited phone calls nearly every day on my work phone number from a company identifying itself as XXXX XXXX XXXX. They leave a voicemail that is an automated message. After researching the calls online, I learned that this company appears to be operating under the name Better Debt Solutions. 

I called it because I wanted them to stop contacting that number because it is my work phone. When I confronted agent at the phone number with this information, they hung up on me. On a few occasions, I was able to reach representatives who did not immediately disconnect, and I clearly requested that my phone number be removed from their call list. I explained that this is my work phone number, not a personal line, and that I did not consent to these calls. 

Instead of stopping, the company agressively increased its contact attempts by sending me daily prerecorded messages. On Thursday, XX/XX/XXXX, I called again to request removal from their list. I was hung up on twice before briefly reaching a representative who listened to my request, and said I would be removed from their list. Despite this, I continue to receive the daily prerecorded. 

On XX/XX/XXXX at approximately XXXX XXXX, I called again and was hung up on twice. I then attempted to return calls to the phone number provided in the prerecorded message. My calls now immediately receive a busy signal, suggesting my number has been blocked from contacting them. Even after being block, I received another pre-recorded message. 

I continue to receive unsolicited calls and prerecorded messages to my work phone number. Because this phone number is used for professional purposes, these repeated calls interfere with legitimate work communications. I explicitly requested that the company stop calling me, and they failed to honor that request. 

This conduct constitutes harassment and appears to violate FTC rules regarding unsolicited robocalls, prerecorded messages, failure to honor stop-call requests, and the use of misleading or inconsistent business identities. Whether this entity is a legitimate business or not, Better Debt Solutions is engaging in unlawful calling practices. 

I am requesting investigation and enforcement action to stop this activity.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap LLC fraudulently filed a UCC lien against my property for a personal loan without my consent, without a signed security agreement, and without any notice. I never authorized my home as collateral and refused to sign the XXXX  they sent. This violates Texas law ( 9.203, 392.304 ) and federal laws ( FDCPA, TILA, UCC Article 9 ). Filing an unauthorized lien is fraud, and GoodLeap must remove it immediately and confirm they have no claim on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Wells FargoXXXX account was wrongfully restricted after I was an unwitting victim of a " friends and family '' fraud scam. A known contact, whose bank account was compromised, sent me {$500.00} via XXXX and then called, posing as a fraud victim, to urgently request I send the money to a different account. Acting in good faith, I complied. The fraud was later confirmed by the sender 's bank XXXX XXXX  XXXX XXXX XXXX, which closed its investigation. The sender has also provided a written exoneration. 

Despite this clear evidence that I was a victim of the same scam, and not a participant, Wells Fargo and XXXX continue to withhold my account access, causing significant financial hardship. Their failure to recognize the official findings of the originating bank and reinstate my account constitutes an unfair practice.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. The accounts listed below are being reported inaccurately and I request that they be corrected or removed from my credit report. These disputes are based on multiple inaccuracies, including but not limited to incorrect reporting of payment history, late payments, charged-off accounts, and outdated information. The accounts in question are separated by the respective credit bureaus : TransUnion ( TU ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1200.00} Late Payments : 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 2025-12-22 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio recovery associates witch is a debt collector. Ask to validate the debt. Chain of ownership. Bill of sale {$3700.00}. Chain of title.They are XXXX party debt collector of alleged debt. Original written agreement between me and this debt collector. The arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: WI

Complaint narrative:
I obtained a private student loan from XXXX XXXX to attend XXXX, an online coding bootcamp. 

In XX/XX/XXXX of XXXX Devslopes has since shut down ( see Discord screenshot for confirmation from XXXX XXXX ) and is no longer operational. In XXXX of XXXX  Climb Credit ended it's partnership with Devslopes ( see subsequent emails attached ) After the school closed and became unresponsive, I contacted Climb Credit to dispute the loan and request a discharged ( phrased as forgiven in email ) due to the school 's closure and impossibility of performance.

I formally invoked the FTC Holder Rule ( 16 C.F.R. 433.2 ), which makes the loan holder subject to all claims and defense against the seller, as well as contract impossibility under Restatement ( Second ) of Contracts 261 Climb Credit has refused to cancel or discharge the loan, stating that they require Devslopes to confirm and issue a refund before Climb Credit can act ( see email file provided ), however, Devslopes is closed, unreachable, and incapable of issuing refunds or confirmations, thus making their requirement impossible.

By continuing to enforce the loan and requiring action from a non-existent school, Climb Credit is effectively denying relief via an impossible condition, despite being on notice of the school 's closure and my formal dispute ( see emails provided ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief