vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Upon calling to acquire account number to verify the accuracy of this attached debt being collected by PROCOLLECT INC. I was met with severe opposition, and from that phone call of attempting to verify the debt PROCOLLECT INC. provided no information regarding the account number, the accuracy of the debt details and how they received the account in accordance with FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation. Considering I have never had an account with PROCOLLECT INC or any of its entities. From this conversation I conducted in attempt to verify the accuracy of this debt and how this debt was received I was informed that from discovery alone that was going to be enough to verify the account as mine which in accordance with FCRA 623 ( a ) ( 1 ) ( A ) : It is unlawful to report information you know or should know to be false. FCRA 611 ( a ) : You must delete any information that can not be verified. FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation. Furthermore in accordance with 15 U.S. Code 1681s-2 ( B ) you are in direct violation for reporting false or invalid information to consumer reporting agencies. Due to these laws being broken PROCOLLECT INC you are liable for reporting false credit information under state law. Along with these fraudulent claims as outlined in 15 U.S. Code 1692e PROCOLLECT INC is and has been reporting an inaccurate debt which was not owed and fraudulently " verified '' by a simple phone call with no information given besides my first and last name. I have also been informed that PROCOLLECT INC has been unlawfully reporting eviction data to credit bureaus and tenant screening services using court-related data to support a claim they have no right to report. Be that as it may, completely inaccurate even with doing so. In addition, I have attempted to contact via mail regarding my account and In accordance with 15 U.S. Code 1692c ( c ) I requested this unverified and fraudulent reporting on my consumer credit report be either verified, ceased, or deleted and have received no response in regards to the demands for verification, cessation of communication and/or deletion. Below I have attached the copy of mail sent to PROCOLLECT INC and EXPERIAN to verify this fraudulent debt claimed by PROCOLLECT INC and its entities. ( Please note that these are copies and are not the original documents which have the official address for PROCOLLECT INC and EXPERIAN respectively )

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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
I am filing a formal complaint against First Progress ( Synovus Bank ) for knowingly reporting false late payments on my credit report. These inaccuracies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

Disputed Months Reported as Late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are factually inaccurate. I have documentation showing that payments were made on time or within grace periods, yet First Progress has furnished data to the credit bureaus reporting me as XXXX days delinquent for each of these billing cycles. I have submitted a dispute to First Progress and requested verification, yet they have failed to provide any substantiating records or correct the entries. 

Legal Violations : XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), a furnisher must not report information it knows or has reasonable cause to believe is inaccurate. First Progress is in violation of this section by continuing to report false delinquencies. 

Under XXXX ( b ), after being notified of a dispute, furnishers are required to : Conduct a reasonable investigation ; Review all information submitted by the consumer ; Report the investigation results to the credit bureaus ; Delete or modify any information found to be inaccurate or unverifiable.

First Progress has failed to meet these statutory obligations. These late payment notations remain on my credit report, despite being disputed and unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: OR

Complaint narrative:
XXXX at XXXXXXXX XXXX XXXX  in XXXX, Oregon referred us to debt collections less than a week after we moved out of the apartment. They gave us no opportunity to dispute the amount of debt owed. The debt collection agency IQ Data XXXX has the wrong year on when payment is due and provides no information on how to dispute the debt owed. Additionally, no address is given for their company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a certified dispute letter to XXXX XXXX on XX/XX/year>, to their listed address ( XXXX XXXX XXXX, XXXX, UT XXXX ), as part of my rights under FCRA 623 ( a ) ( 8 ) and FCRA 611. This dispute requested verification, correction, or deletion of a tradeline that they are furnishing to the credit bureaus. 



The letter was returned unclaimed. XXXX XXXX did not respond, did not investigate, and did not provide any validation of the account. 



Despite receiving no validation and having the dispute ignored, they are continuing to report this negative item to the credit bureaus which is a direct violation of the Fair Credit Reporting Act and may also violate FDCPA provisions if they are engaging in any collection activity. 



This unverified and invalidated information is causing ongoing harm to my credit profile.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reporting on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my credit report, I noticed a late payment reported by Navy Federal for the auto loan account number XXXX. I believe this information is inaccurate and does not reflect my payment history correctly. 



To the best of my records and knowledge, I have made all required payments on time, and I dispute the accuracy of this late payment entry. According to the FCRA : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their file. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information ( such as creditors ) provide accurate information to credit reporting agencies.

15 U.S. Code 1681s-2 ( b ) requires that if a consumer disputes an account, the furnisher must investigate and correct any inaccuracies.

I request that you initiate a reinvestigation of this account and contact the data furnisher to verify the accuracy of the reported late payment. If the late payment can not be fully verified, it must be deleted from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding an account with Credit Acceptance Corporation that is reporting negatively on my credit report. The account shows as charged-off and possibly repossessed. 

I do not recall receiving proper documentation or consistent communication regarding this debt, and I was never given a clear opportunity to resolve it before it was reported. I believe this reporting is damaging and may contain inaccuracies.

I contacted Credit Acceptance to request a resolution, including a possible settlement or goodwill adjustment, but was either ignored or not provided a clear path forward.

I am requesting that Credit Acceptance provide full documentation of the alleged debt and reconsider the reporting of this account, especially given my financial hardship. If they are unable to verify the debt properly, I ask that the account be deleted from all three credit bureaus. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and respectfully request CFPB assistance to resolve this matter.

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 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 is missing that should be on the report
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
PRONTO FINANCE XXXX XXXX XXXX  is not reporting to my equifax credit report Date Opened XX/XX/year> paid off 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to the address they provided. The XXXX confirmed it was delivered and received. This dispute was issued under FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX, requesting proper investigation and validation. 



As of today, XXXX has not responded at all no validation, no communication, no investigation. Yet they continue to report the tradeline to the credit bureaus. Additionally, the balance theyre reporting conflicts with what XXXX XXXX  reports for the same account, which is a violation of FCRA XXXX ( a ) ( XXXX ) ( B ) for furnishing inaccurate or inconsistent information. 



This continued reporting without proper validation, and in contradiction to original creditor data, is causing damage to my credit and violates my consumer rights. 

account from all credit bureaus Written confirmation of deletion Full compliance with FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX into conflicting balances and assignment history

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Finance, I am writing regarding the 90-day late payments your company has reported to XXXX  and Experian for XXXX and XXXX. These reports are incorrect, as my loans were in approved deferment during this period and no payments were due.

As a result of this inaccurate reporting, my credit score has dropped significantly. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate information and to promptly correct any errors once notified.

As a fair resolution, I request that you immediately remove the inaccurate late payment notations from all consumer reporting agencies, update my accounts to reflect the correct deferment status, expedite re-reporting to XXXX  and Experian to restore my credit standing, and provide written confirmation to me once these corrections have been completed.

Please consider this a formal dispute under the FCRA. I expect your prompt attention and resolution to this matter.

Thank you for your cooperation. I look forward to your confirmation.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Finance, I am writing regarding the 90-day late payments your company has reported to TransUnion and XXXX  for XXXX and XXXX. These reports are incorrect, as my loans were in approved deferment during this period and no payments were due.

As a result of this inaccurate reporting, my credit score has dropped significantly. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate information and to promptly correct any errors once notified.

As a fair resolution, I request that you immediately remove the inaccurate late payment notations from all consumer reporting agencies, update my accounts to reflect the correct deferment status, expedite re-reporting to TransUnion and XXXX  to restore my credit standing, and provide written confirmation to me once these corrections have been completed.

Please consider this a formal dispute under the FCRA. I expect your prompt attention and resolution to this matter.

Thank you for your cooperation. I look forward to your confirmation.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i have no knowledge of these accounts i was subject to multiple data breaches XXXX and XXXX XXXX XXXX XXXXXXXX Sent me a letter stating that in XXXX there was a data breach and my information was exposed

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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Request to remove from credit report based on non-verifiable To whom it ay concern : I am filing this formal complaint regarding inaccurate and unverifiable information on my credit reports maintained by XXXX and Equifax. Both credit bureaus continue to report a bankruptcy despite multiple disputes and my submission of supporting documentation that proves the bankruptcy record can not be verified. 

I have obtained letters from both th bankruptcy court and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) confirming that they do not verify bankruptcy information with credit reporting agencies. Additionally, they are not affiliated with XXXX XXXX or any third-party data furnisher. Therefore, the continued verification by XXXX and Equifax lacks a valid source and violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that disputed information must be accurate and verifiable or it must be removed. 

Despite multiple disputes, both credit bureaus have stated that the information is verified, ut have failed to disclose how and through whom. This is a direct violation of my rights under the FCRA, and the presence of this inaccurate and unverifiable bankruptcy on my credit report is causing ongoing harm to my creditworthiness. 

I am requesting the CFPB to intervene and ensure this bankruptcy record is removed from both Experian and Equifax due to failure to verify the information with a reliable and original source. 

I have attached the following documentation for your review : Copy of the credit reports showing the bankruptcy listing Letter from bankruptcy court Letter from Pacer Proof that XXXX XXXX is not affiliated with bankruptcy court or Pacer Please investigate this matter and ensure my credit reports are corrected in accordance with the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: Lloyd & McDaniel, PLC
State: IL

Complaint narrative:
Please note CFPB XXXX. This complaint concerns the same supposed debt that I received a collection notice on but from ANOTHER collection agency. This is the 4th collection company that has been sold a debt that NONE of them can prove and/or validate that I have signed. I owe none of these companies. Please, make them stop.

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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
RE : Account Name : LVNV FUNDING LLC Account # XXXX Amount : {$2200.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section. 
15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report. 
15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file. 
15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute. 
Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent. 
Provide me with an updated and corrected copy of my credit report reflecting XXXX accounts within 30 days as required by 15 U.S. Code 1681i.

Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

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 status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage is reporting derogatory late payments on my credit profile without sufficient documentation or consistent reporting. I have submitted disputes through the credit bureaus, but Carrington has failed to provide adequate verification of the reported late payments. 
Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), Carrington is obligated to report accurately and respond to disputes with verified documentation. To date, I have not received any supporting evidence of the alleged delinquencies. 
Furthermore, the late payments violate the maximum possible accuracy requirement under 1681e ( b ) and the blocking provision under 1681c-2. The data is unverified, harmful, and inconsistent. 
I am formally requesting the CFPB to investigate Carrington Mortgage for failing to meet FCRA obligations and to compel the deletion of all inaccurate and unverifiable late payments on my file.

Company response to consumer: Closed with explanation