vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am filing this complaint because Midland Credit Management ( MCM ) is reporting a {$580.00} debt for an account originally from XXXX XXXX XXXX XXXXXXXX XXXX XXXX This debt was already paid in full to XXXX XXXX XXXX XXXX XXXX, the collection agency that owned the account at that time. 

Attached is my official settlement letter dated XX/XX/year>, showing : Amount paid : {$360.00} Payment date : XX/XX/year> Status : Paid in full with no further monies due XXXX XXXX XXXX handled this account The current creditor at the time was XXXX XXXX XXXX, XXXX The balance was {$0.00} Midland was never the owner of this debt and has no legal basis to report or collect it. 

This reporting is inaccurate and violates : FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of a debt FDCPA 807 ( 8 ) Communicating false credit information FCRA 611 & 623 Failure to report accurate information and reporting information without proper verification Requested Resolution Provide : Proof you own the debt Contract showing assignment or purchase Full accounting and chain of title Original creditor contract with my signature Explanation for reporting a debt already satisfied Until validation is provided, you must cease reporting and collecting under FDCPA 809.

Immediate deletion of Midlands reporting from all credit bureaus Written confirmation that Midland has ceased all collection activity Investigation into why Midland is reporting an account it does not own and that was already paid Proof of payment and the settlement letter are attached. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late payment on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Late 120 days 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted formal disputes regarding derogatory information on my credit report however these items have not been reinvestigated as required. These items have either misleading or no clear account statuses. Data is incomplete and unverifiable as well as inconsistent across the bureaus. 
Despite my attempts to correct and remove these inaccuracies, my requests for investigation has went unanswered.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted formal disputes regarding derogatory information on my credit report however these items have not been reinvestigated as required. These items have either misleading or no clear account statuses. Data is incomplete and unverifiable as well as inconsistent across the bureaus. 
Despite my attempts to correct and remove these inaccuracies, my requests for investigation has went unanswered.

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 2025-12-03 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: CA

Complaint narrative:
I did not open these accounts please remove now thank u

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 2025-12-03 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: CA

Complaint narrative:
I did not open these accounts please remove now thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
Today, Tuesday, XX/XX/year>, I visited PLS Financial to cash 2 money orders, paid to the order of myself. 

PLS told me that one of the money orders had already been cashed on XX/XX/year>. Both of these money orders were purchased XX/XX/year> and I presented both of them with the receipt still attached to it. The other money order they just refused to cash. I was so confused, I asked XXXX what the issue could be and they told me to call : XXXX and enter the money order info. I entered the XXXX digit money order number, the XXXX digit agent number and then the full amount of the money order. 

It said the money order was outstanding, never reported as cashed, no holds or stop payment. I was genuinely confused and embarrassed. This money was supposed to help my family move. It has now put us in a financial crisis and doing much emotional damage. 

I later contacted PLS asking who they verified the money order with and the same guy who I spoke with at PLS said they called XXXX. This is where I was very confused because how did we both call the same exact number and get contradictory information? 

I didnt want to deposit this in my bank account because my bank account is in the negative at the moment and I really need to help my family. 

I dont understand whats going on and I need all remedies that can be exhausted at this point. My family is living out of a hotel because we dont have the funds now to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I previously filed a complaint in early XXXX regarding XXXX accounts on my credit file that were opened fraudulently without my authorization. I provided the credit bureau with all documents required to investigate, including a full identity theft statement and supporting evidence. Despite this, the credit bureau has continued to report the fraudulent accounts with no corrections or updates. 

Both accounts remain on my credit file across all three credit bureaus and are being verified even though the information is clearly the result of identity theft. The bureau has failed to block the fraudulent information, failed to correct the reporting, and has repeatedly allowed the accounts to continue appearing on my file even after being notified. 

This situation has now been ongoing for months with no meaningful action taken by the bureau. I am requesting CFPB assistance to ensure that the bureau complies with federal law, removes the fraudulent information from my credit file, and prevents any future reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
I disputed multiple alleged credit card debts and requested full validation under FDCPA 1692g ( b ). My Debt Validation Letters were delivered to the collectors, including XXXX XXXX XXXX, XXXX XXXX XXXX, Continental Finance Company, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

Despite confirmed delivery of my dispute, several XXXX continued to pursue collection without providing any validation. This is illegal continued collection activity after a dispute. 

Timeline of violations : My Debt Validation Letter to the XXXX XXXX XXXX XXXX XXXX XX/XX/year> ( XXXX tracking confirmed ) XXXX 
Later that same day, XXXX XXXX emailed me demanding payment, stating they were now managing your account, and offering settlement options. 
XXXX continued sending payment-demand text messages after the dispute, including threats such as make your payment before your account is returned to our client. 
XXXX XXXX XXXX ( XXXX ) received my DV letter on XX/XX/year>, yet sent a settlement-demand email on XX/XX/year>. 
All agencies involved failed to provide validation and continued to collect, which is a direct violation of FDCPA 1692g ( b ), 1692e, and 1692f. 

These companies are attempting to collect debts they have not validated, and they are legally prohibited from continuing collection activity until validation is provided. They have also communicated using multiple channels ( text, email ) after being notified of the dispute. 

I am requesting the CFPB to investigate these companies for unlawful collection practices, stop all collection activity, and require deletion of any negative credit reporting associated with these unvalidated debts.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting a negative account beyond 7 years from the date of first delinquency. The payment history is inaccurate. Maximum accuracy is not being met.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I financed a XXXX XXXX XXXX with Challenge Financial in XX/XX/XXXX. My payments have always been on time ; I have never defaulted. In XXXX ( about the XXXX ) my vehicle experienced a critical fuel-cell system malfunction and became inoperable. I was not able to immediately tow or repair the car, so I parked it on a residential street. There was no abandonment. 

Several days later, after the local police towed the vehicle for municipal parking enforcement ( trash day ), Challenge Financial took possession of the car without providing any prior notice to me. I was never informed that you planned to repossess it, nor was I given a chance to cure any alleged default. I only found out my car was taken when I went to the police department. 

Its now been over 60 days and I still do not have a clear explanation of why you are keeping my car. I have not been told how I can retrieve it, if or when it will be repaired, or what you are demanding for its return. Meanwhile, I have incurred significant transportation costs ( XXXX, rental ) because I rely on the car for daily needs, including caring for my young child. 

I believe this constitutes wrongful repossession and unfair business practices. I demand either the immediate return of my car, or a formal, legally justified plan and timeline for repairs and return plus reimbursement for my out-of-pocket transportation cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I am disputing the validity, accuracy, ownership, and enforceability of this alleged debt. It originates from the XXXX for XXXX XXXX XXXX XXXX ( XXXX XXXX, which was sued by the U.S. Department of Education for deceptive practices and subsequently closed. 

This account is likely subject to Borrower Defense to Repayment and School Closure Discharge, making it presumptively unenforceable.

Central Portfolio Control has attempted to collect this debt and report it to credit reporting agencies without providing proof of the debt, the original signed agreement, or legal authority to collect, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ) and Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I demand immediate cessation of collection efforts, removal from all credit reporting agencies, and validation of the debt if they claim it is legitimate. 
I am contacting the U.S. Department of Education and will escalate to federal and state regulators if this agency continues unlawful collection or reporting. I request that CFPB investigate these violations and ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX ( XXXX XX/XX/XXXX, last 4 of SSN XXXX ). I am filing a complaint about how Self Financial / Lead Bank is reporting several credit-builder accounts. 

Accounts reported : Self Financial / Lead Bank revolving account ending XXXX Type : Revolving Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Status : Unknown, with Times XX/XX/XXXX Days Late : XXXX, past due {$0.00}. 
Self Financial / Lead Bank installment account ending XXXX Type : Installment Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Status : Unknown, Times XX/XX/XXXX Days Late : XXXX, past due {$0.00}. 

I used these Self/Lead Bank accounts as credit-builder products and made payments for many months. During the COVID-19 period my income dropped sharply and I experienced multiple family deaths, which caused some late payments. 

Self / Lead Bank is reporting late marks and negative status even though the accounts now show {$0.00} past due. I contacted the company to verify the reporting and asked for a goodwill adjustment and settlement of {$100.00} per account to help clean up my credit. I have not received a satisfactory response or detailed explanation. 

I am cutting expenses, avoiding new credit, and applying for jobs. I want to resolve these accounts and make sure any negative reporting is accurate and fairly reflects my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial and XXXX XXXX XXXX engaged in unfair and deceptive practices. My auto loan balance was repeatedly changed without explanation. Ally failed to provide required loan documentation, accounting records, or proof of how my balance increased. My GAP, tire/wheel, and service contract refunds were mishandled. Large credits such as {$9000.00} and {$9300.00} appeared on my credit report with no explanation. Ally also continued reporting inaccurate balances and derogatory information. I requested full documentation and validation and they did not provide it. I believe the dealer and lender misrepresented fees, added products without proper disclosure, and failed to properly apply payments or refunds. I am requesting a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Request for investigation and removal of erroneous car loans from credit report to Whom this May concern I am writing to file a complaint regarding a car loan that is currently listed on my credit report as charged off this loan was discharged and the contract was canceled with the IRS yet it remains on my credit report natively impacting my credit score moreover I did not receive a 1099C copy B from this transaction which is required for reporting forgiving debt this omission has further complicated my financial situation In addition I made genuine Attempts to resolve this matter and accept the value of the loan returning the necessary documentation despite these efforts the erroneous information remains on my credit report The presence of this charged off loan is causing significant harm it is it is hindering my ability to secure funding for my business and is also impacting my job prospects as many employers review credit reports during the hiring process therefore I respectfully request that the CFPB conduct a thorough investigation into this matter Assist in the removing of this erroneous information from my credit report as soon as possible thank you for your prompt attention to this matter I look forward to your response and swift resolution sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed disputes with Experian, requesting the above mentioned information. This was started on XX/XX/XXXX of this year. I requested that they please investigate collection and / or charge off accounts liste3d on my credit report. I later and sporadically received emails from Experian, stating the dispute was updated, when I logged into the site, all it said was that it was updated, and will remain on my credit report. Nothing I requested was supplied, Not on creditor, or anyone from Experian reached out to me other than to let me know my dispute was completed. 

This is mind blowing that this company that literally controls the lives of everyone in America is able to completely ignore requests from the consumer, and complete disputes as well as make decisions, all while disregarding the consumer request for proof or information. Individual letters were sent to each collection company, and one form letter listing each company was sent to Experian Please see below : I am writing to dispute several inaccurate or unverifiable items on my Experian credit report. Please investigate the following accounts and remove any that can not be verified or that contain errors under the Fair Credit Reporting Act ( FCRA ) : 1. XXXX XXXX XXXX XXXX XXXX Collection - {$390.00} ) 2. XXXX Account XXXX XXXX XXXX XXXX ( Collection- {$790.00} ) 3. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX- {$950.00} ) 4. XXXX XXXX XXXX XXXX XXXX ( Collection- {$1000.00} ) 5. XXXX XXXX XXXX XXXX XXXX XXXX ; ( Collection- {$3700.00} ) 6. XXXX XXXX XXXX XXXX XXXX  ( Collection- {$440.00} ) 7. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Collection- {$930.00} ) 8. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Collection- {$450.00} ) 9. XXXX XXXX Charged Off ( {$810.00} ) 10. XXXX XXXX XXXX XXXX XXXXXXXX Charged Off ( {$680.00} ) 11. XXXX XXXX Bank Charged Off ( {$610.00} ) 12. XXXX  XXXX XXXX Charged Off ( {$3400.00} ) I also request correction or removal of outdated or inaccurate personal information, including old addresses and misspelled names. 
Please reverify these items and send me an updated report once your investigation is complete. 
I received not one thing from anyone

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 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation