vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
As I have no account with you, nor am I your customer, nor have I entered into a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : CREDIT COLLECTIONS SERVICES Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization under law for your collection of information?

What is your authorization under law for your collection of this alleged debt?

Please provide evidence of your authorization to do business in my state.

Please show proof to establish balances, payments, interest rate disclosures, etc., as alleged in your demand letter.

According to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly, will work as a waiver to any claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This notice has the same effect as a dispute over the validity of the alleged debt and a dispute over the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Second Request for Debt Validation Failure to Provide Required Documentation Date : XX/XX/year> Dear Portfolio Recovery Associates, This is in reference to the alleged account with Capital XXXX, account number ending in XXXX, now being reported by your company. I previously requested debt validation under the Fair Debt Collection Practices Act ( XXXX XXXX Code XXXX ). Your response failed to include : A copy of the original contract bearing my wet signature Complete billing statements from the original creditor Detailed breakdown of how the balance of {$480.00} was calculated Chain of assignment or proof of ownership The letter you provided from XXXX  XXXX merely states that the account was sold and does not satisfy the legal requirements for proper debt validation. 

Until full and complete documentation is provided, I am formally requesting that you : XXXX. Cease all collection activity, XXXX. Remove this account from all consumer reporting agencies, and XXXX. Provide full validation within XXXX  days of this letter. 

Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
A fair and lawful resolution would be the immediate and permanent deletion of the account reported from all consumer reporting agencies XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

This deletion is warranted due to their failure to issue IRS Form 1099-C as required under 26 U.S. Code 6050P, and for violating my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), by reporting inaccurate and unverifiable information. 

I also request a written confirmation from XXXX XXXX stating that the account has been deleted from all credit bureaus, and that they will cease and desist from further reporting or collection attempts related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX has sent {$610.00} of debt to collections. I do not know what XXXX really is, and I never applied for a loan with them. I can provide bank statements that prove that this money never entered my account. My credit report states that I took on this debt on XX/XX/year>. This is around the time I was applying for loans, but never with this company and I never got approved. I have filed a dispute with TransUnion, and they said the debt is real even though I never received a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint against Ally Financial Services for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, Ally Financial Services has reported a 30-day late payment on my closed auto loan account ( Account Number : XXXX ) for XX/XX/2023, which I dispute as inaccurate.

Despite my dispute, Ally Financial Services has failed to provide any verification or documentation proving this late payment is valid, violating their obligation under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and respond appropriately to consumer disputes.

I do not possess direct supporting evidence such as payoff letters or bank statements, but under the FCRA, the burden is on Ally Financial Services to verify the accuracy of the information they furnish. If they can not verify this late payment, it must be deleted from my credit report.

This inaccurate late payment reporting is severely damaging my credit score and directly impairs my ability to qualify for a mortgage at an affordable interest rate, thereby affecting my opportunity to purchase my first home. The false information creates an unfair barrier to fair credit access and homeownership.

I request that the CFPB investigate Ally Financial Services for failure to comply with their duties under the FCRA and require them to remove this inaccurate late payment entry unless they provide proper verification. 

This inaccurate reporting harms my creditworthiness and ability to access credit fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to dispute several items on my Experian but it keeps saying I can only call even though it gives option to try to dispute online it never lets me. I don't want to sit on the phone waiting a long time to get someone and then to try to dispute at least 5-7 items on my report that are inaccurate. I should be able to dispute easily online l.

Also, transunion only allows you to dispute 1 item on report at a time until it's processed and processing can take 30 days.

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 2025-07-14 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Experian \ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)\nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, and hard inquiries are the result of identity theft and fraud"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
In XX/XX/XXXX, a collection account was opened by XXXX Credit Bureau, listing the original creditor as XXXX XXXX XXXX XXXX The reported balance is {$2300.00} and the high credit is {$2300.00}. This account appears across all three credit bureaus and is marked as seriously past due, in collections, and unpaid. 

On or around XX/XX/XXXX, a payment was reportedly made on the account, yet the balance remains unchanged and continues to report as unpaid. There are inconsistencies in how this account is reported between TransUnion, Experian, and Equifax including differing payment statuses and reporting dates ( e.g., last reported dates vary between XXXX and XX/XX/XXXX ). Additionally, the account is being reported as both an open account and a collection, which is contradictory and may be misleading.

I disputed this account with the credit reporting agencies, requesting validation of the debt and verification of the accuracy of the reporting. I have not received sufficient documentation confirming that the debt is valid, nor a proper reinvestigation response from the furnisher.

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to report accurate and verifiable information and to respond to disputes in a timely and complete manner. Specifically : FCRA 1681s-2 ( b ) requires the furnisher to investigate disputes and correct any inaccurate or unverifiable information.

FCRA 1681e ( b ) mandates that furnishers maintain maximum possible accuracy in the data they report. 

I am requesting that XXXX Credit Bureau provide full verification of the debt and correct or delete this account from all credit reports if it can not be verified with complete and accurate documentation. Continued reporting of inconsistent or unverifiable information is harmful and may be in violation of federal 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 explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
In XX/XX/XXXX, a collection account was opened by XXXX Credit Bureau, listing the original creditor as XXXX XXXX XXXX XXXX The reported balance is {$2300.00} and the high credit is {$2300.00}. This account appears across all three credit bureaus and is marked as seriously past due, in collections, and unpaid. 

On or around XX/XX/XXXX, a payment was reportedly made on the account, yet the balance remains unchanged and continues to report as unpaid. There are inconsistencies in how this account is reported between TransUnion, Experian, and Equifax including differing payment statuses and reporting dates ( e.g., last reported dates vary between XXXX and XX/XX/XXXX ). Additionally, the account is being reported as both an open account and a collection, which is contradictory and may be misleading.

I disputed this account with the credit reporting agencies, requesting validation of the debt and verification of the accuracy of the reporting. I have not received sufficient documentation confirming that the debt is valid, nor a proper reinvestigation response from the furnisher.

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to report accurate and verifiable information and to respond to disputes in a timely and complete manner. Specifically : FCRA 1681s-2 ( b ) requires the furnisher to investigate disputes and correct any inaccurate or unverifiable information.

FCRA 1681e ( b ) mandates that furnishers maintain maximum possible accuracy in the data they report. 

I am requesting that XXXX Credit Bureau provide full verification of the debt and correct or delete this account from all credit reports if it can not be verified with complete and accurate documentation. Continued reporting of inconsistent or unverifiable information is harmful and may be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i paid my member XXXX, XXXX XXXX recieved payment on XX/XX/XXXX, my bill states it was due XX/XX/XXXX th it was paid, Experian claims it was reported late! Making my credit go down! also i have disputed addresses that are false, never my addresses! They refuse to delete them from my credit reports! I m sick of this game!

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
RE : Account Name : COMENITYCBXXXX  Account XXXX XXXX Amount : {$770.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX XXXXXXXX Amount : {$770.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law. Should you continue to report unverifiable or ina
ccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX XXXXXXXX Amount : {$770.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by feder
al law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the 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 non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
these accounts keep being reinserted back on my reports and are hindrance to my succeeding in life.

Company response to consumer: Closed with explanation