vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recieved a letter dated XXXX XXXX for being summoned for the debt that i didnt know from Midland Credit Management Inc. in the amount of {$3900.00}, I am a victim of identity theft.The plaintiff also send me a copy of bank statement under my name but the the address listed is not mine and has never been associated with me.This discrepancy supports my claim that i am not the responsible party and may be a victim of identity theft. I did not authorize, incur or benefit from the alleged debt.I am in a process of filling police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed into sending {$200.00} through Zelle from my Chase to a recipient identified as [ XXXX XXXX phone number XXXX used for Zelle ] and email their email is XXXX. I was searching to buy a kitten and I reached out to XXXX on XXXX because they posted that they had kittens.The recipient posed as a legitimate contact and persuaded me to complete the payment which was a downpayment to " secure '' the kitten. After sending the money they changed the terms we agreed with and wanted the full amount ( XXXX ) I thought that suspicious so I told them no. They then asked me to send them the rest of the money on a gift card thats when I knew I was scammed. 

I immediately reported the incident to XXXX XXXX  and Zelle. XXXX opened a claim ( Claim XXXX  XXXX ) and later informed me that no action will be taken because they consider the transaction authorized. In their CFPB response, XXXX stated they attempted a recovery as a courtesy but were unsuccessful. Zelle was also contacted to report the fraudulent activity and request investigation of the recipient account I believe the claim # XXXX Despite prompt reporting and cooperation, no funds have been recovered. I am requesting that Zelle review this case, investigate the recipient account for fraudulent activity, and provide a formal update regarding any actions taken or information available related to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
Name of Company : Firstsource Advantage , LLC Debt Originator : XXXX XXXX, XXXX. 

Account Number ( if known ) : Ending in XXXX Alleged balance : {$230.00} Summary of the Issue : I am filing a formal complaint against Firstsource Advantage , LLC for unlawful and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have disputed a debt they are attempting to collect on behalf of XXXX XXXX, XXXX and have formally requested validation under 15 U.S.C. 1692g ( a ). I have also demanded all supporting documentation including but not limited to : The original signed agreement or contract Itemized transactional ledger Proof of assignment from XXXX to Firstsource Proof of license to collect in New Jersey Evidence of proper debt validation notice ( required by law ) Any communications logs, call history, or data transmitted to credit bureaus Instead of providing the required documentation, the company responded with a summary of transactions without any legal proof of liability or ownership of the debt. No contract was provided. No chain of title. No legally sufficient validation. 

They are attempting to collect a debt without proof of ownership, in violation of 15 U.S.C. 1692g ( b ). They have not verified the debt, and yet continue to demand payment.

I am requesting that the CFPB immediately investigate and demand that Firstsource : Cease all collection activity Remove any credit reporting if applicable Produce lawful documentation or delete the account entirely I also reserve the right to file civil claims for statutory damages under the FDCPA and FCRA. This behavior is predatory, illegal, and causes undue harm to consumers Requested Resolution : Cease all collection activity Provide full validation and legal documentation Remove any negative reporting to credit agencies XXXX or penalize the collector if noncompliant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-15 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and 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 ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
This complaint includes new evidence showing that the company provided misleading or false information in response to my previous complaint I am submitting this as a new complaint with additional documentation. I respectfully request that CFPB reviews this evidence carefully and ensures fair investigation for a consumer who may not be fully familiar with U.S. financial system but is sincerely seeking justice. Dear Sir/Madam, The companys responses to both complaints I previously submitted are false. When I first called in the very first month to resolve the situation, they mocked me asking, Are you typing this into XXXX? Because my XXXX is not perfect, I repeatedly insisted on communicating in writing, but they ignored that request each time and instead called me. The attorney, the body shop, and this financial institution are all working together ; I am certain they deliberately caused this situation. 

In their response to you they claim the loan on the vehicle was not being paid after the accident that is a lie. After the accident in XXXX, I made a loan payment on XX/XX/XXXX. XXXX was supposed to pick up the vehicle, but they prevented that and the claim was closed. While my loan payments were current, they took my vehicle for repair without any permission. Because of that, I stopped the loan payments. They organized everything very cleverly to make me the victim, and they lied to you about this. 

I am submitting evidence with this complaint that the company secretly repaired my car. I had the vehicles license plates removed and still have them. A friend of mine saw the same vehicle being repaired at the same time and informed me. I went there every day trying to catch them in the act and take a photo and I did take photos. 

The date I received the photo of my car being repaired was XXXX XXXX XXXX  days after I paid off my loan, and it seems like most of the work has been completed, but nothing was said to me during the whole process. They left the loan open in my name and took advantage of my ignorance to do this secretly. Grandwiev financal Please investigate this matter carefully, because this is a conspiracy. 

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 2025-10-15 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-15 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: TN

Complaint narrative:
I have been dealing with these XXXX  loans since XXXX. I have filed Bankruptcy on these XXXX  loans in XXXX, which is attached and I applied for loans to be XXXX due to school closure. Every time i get the amount under XXXX they raise the rates. XXXX now Mohela has raised the rates again, when the XXXX  has lowered rates. So far I have paid Total Amount Paid : {$35000.00} Total Principal Paid : {$11000.00} Total Interest Paid : {$22000.00} Total Fees Paid : {$530.00} My total original loan amount is {$4100.00} - XX/XX/XXXX My total original loan amount is {$3900.00} - XX/XX/XXXX Total combined : {$8100.00} My current balance Total Loans Balance : {$8100.00} I have paid more on the principle then my original loan amount. 
I have paid them XXXX the amount of the original combine loans. 

This is robbery. I never heard anything back regarding litigation against XXXX who if you check my records in the past I have been complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

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 explanation
Consumer complaint received 2025-10-15 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: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
THIS IS THE XXXX TIME MAKING THIS COMPLAINT To Whom It May Concern, This letter is being written regarding a serious concern with XXXX  XXXX  XXXX  and their unfair treatment of an elderly customer. This individual made every single payment on time throughout the full term of her lease, including the first month paid in advance. Despite her spotless record, XXXX XXXX has failed to return her security deposit and has now claimed she owes a balance of {$1200.00}. 

That claim defies both logic and common sense. No responsible person would make every payment for XXXX consecutive months and then suddenly refuse to pay a small remaining balance. This appears to be a clear case of a financial institution taking advantage of an elderly customer, relying on confusion and red tape to avoid fulfilling its obligation. 

To make matters worse, by reporting this alleged balance, XXXX XXXX has caused significant hardship. Her XXXX XXXX has been negatively affected, creating unnecessary stress and financial damage after years of responsible payment history. 

We demand that XXXX XXXX immediately review this account, return the full security deposit, and remove any negative or inaccurate reporting from her credit file. If this matter is not resolved promptly, we will pursue further action through consumer protection agencies and legal channels if necessary. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-10-15 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: IN

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

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