vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I am reporting inaccurate and unvalidated accounts being furnished to the credit bureaus without proper verification. I requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including copies of the original signed agreements, itemized statements, and proof of ownership or assignment. None of these companies provided validation but continue to report to XXXX XXXX XXXX XXXX, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

The accounts are as follows : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX 2 MoneyLion Inc. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX These accounts continue to show as collection or derogatory despite no validation. I request that the CFPB require these furnishers to validate or delete the accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am reporting inaccurate and unvalidated accounts being furnished to the credit bureaus without proper verification. I requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including copies of the original signed agreements, itemized statements, and proof of ownership or assignment. None of these companies provided validation but continue to report to XXXX XXXX XXXX XXXX, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

The accounts are as follows : XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX Acct # XXXX These accounts continue to show as collection or derogatory despite no validation. I request that the CFPB require these furnishers to validate or delete the accounts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Cease and Desist Letter Violation of 15 U.S. Code 1692c XXXX XXXX XX/XX/year> To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist all communications with me regarding any alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c.

Under this statute, debt collectors are prohibited from contacting consumers at unusual or inconvenient times or places, or after being notified in writing that the consumer refuses to pay the debt or wishes no further communication. I am asserting my right to be free from further contact, including but not limited to : Phone calls to my home, workplace, or mobile device Emails, text messages, or written correspondence Contact with third parties regarding this matter Any further attempt to communicate with meoutside of the narrow exceptions allowed by lawwill be considered a willful violation of federal statute and may result in legal action, including claims for statutory damages, attorneys fees, and injunctive relief. 

Please confirm in writing that you have received this notice and that all communications will cease immediately. Failure to comply will leave me no choice but to pursue all available remedies under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally file a complaint regarding inaccurate and potentially harmful information being reported on my credit file by XXXX XXXX and/or TransUnion. 
Despite my efforts to resolve this matter directly, the information in question remains on my credit report and continues to negatively impact my creditworthiness. Specifically : The account reported by XXXX XXXX is inaccurate because it does not belong to me, I have contacted XXXX XXXX and TransUnion multiple times to dispute this information, but have not received a satisfactory resolution. 
I have provided supporting documentation, payment records, correspondence, identity verification yet the inaccurate information persists. 
This situation is causing undue stress and financial hardship, including denial of credit, higher interest rates, reputational damage ]. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that the inaccurate information is corrected or removed from my credit report. I am attaching relevant documentation to support my claim. 
Thank you for your attention to this matter. and TransUnion multiple times to dispute this information, but have not received a satisfactory resolution. 
I have provided supporting documentation, including [ list any documents youve submitted e.g., payment records, correspondence, identity verification ], yet the inaccurate information persists. 
This situation is causing undue stress and financial hardship, denial of credit, higher interest rates, reputational damage I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that the inaccurate information is corrected or removed from my credit report. I am attaching relevant documentation to support my claim. 

Thank you for your attention to this matter and TransUnion multiple times to dispute this information, but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
XXXX XXXX is reporting a charged-off account ( Account Number : XXXXXXXX XXXX XXXX XXXX  ), but I have not received any certified documentation proving the validity, ownership, or accurate delinquency timeline associated with this alleged charge-off. 

There are inconsistencies in reporting across the credit bureaus, including different last payment dates and differing account status remarks such as Account was in dispute now resolved and Account transferred or sold. This raises concerns about the accuracy and verifiability of the information being furnished.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only fully verified and complete information. If the account was transferred or sold, the current debt owner must provide validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Since no verifiable documentation has been provided to confirm the legitimacy, ownership, or accuracy of this charge-off, I am disputing the accuracy of this derogatory reporting as it may be unverifiable, incomplete, or misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
I had lost my phone. When I logged into my account there were two charges to the same person one on the XXXX for {$70.00} and one on the XXXX for {$80.00}. I have never had transactions with this person. When I called cashap they said I had to submit the dispute myself on the app. When I followed their directions it was obvious they were trying to get me to request a refund from the scammed. Obviously they weren't going to refund me so I said i was wanting them to dispute it. So cashap was trying to avoid their responsibility. Im assuming they knew my pin or found it out. I almost exclusively log in with my fingerprint not pin. Cashap claimed i authorized someone that ive never spoken to, to take my money and declined my dispute for both even though I've never had transactions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
late inquires that werent suppose to be submitted to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Source Receivables Management LLC
State: IL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX and its affiliated collection agencies ( including Source Receivables Management and XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and data privacy obligations under Section XXXX of the Telecommunications XXXX ( XXXX XXXX ). 
According to a notice from XXXX, my personal informationincluding my Social Security number and drivers license numberwas found on the dark web after a confirmed XXXX data breach that occurred in XX/XX/year>. Despite this, XXXX and XXXX collection agencies have continued to report or assign a debt in my name, which has led to inaccurate and damaging entries across multiple credit bureaus. 
I have reason to believe my data exposure through XXXX  breach resulted in an unauthorized or compromised account. I was also contacted by a XXXX XXXX representative regarding an account that does not match my own, which further supports the possibility of mishandled customer data or XXXX  violation. The representative later confirmed the debt had been transferred between multiple collection agencies, none of which provided valid documentation or proof of assignment. 
This situation has caused reputational and financial harm. I am filing formal disputes with XXXX XXXX XXXX XXXX  simultaneously and request the CFPB to open an investigation into : XXXX handling of customer data post-breach. 
The validity and furnishing accuracy of the XXXX-related tradeline or collection. 
The failure of collection agencies to provide lawful debt validation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
MAIL WAS SENT TO A RELATIVES HOME REGARDING A CHARGE OFF DEBT. 
I HAVE NEVER DONE BUSINESS OR REQUESTED ANY LINES OF CREDIT WITH TRANSWORLD SYSTEMS INC. ALSO MY PERSON INFORMATION WAS APART OF THE NATIONAL DATE BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Dates XXXX XXXX XXXX  The property manager ( XXXX XXXX XXXX and staff violated statute 42-42, failure to maintain safe premises after I repeatedly asked to be moved to another unit or to remove the tenant above me who violated the leasing agreement that each party agreed to abide by. The property manager stated she could not provide any additional information on the matter except to call the police when the tenant above me began to act irate. The property manager also stated that the tenant was supposed to have XXXX care by a caregiver and was supposed to be on medication that would help his erratic behavior. 

I do not owe the remaining balance and I wish to have this collection removed from the credit bureaus. XXXX, XXXX, XXXX, etc. are failing to investigate this matter and the collection agency ( XXXX XXXX XXXX  ) continues to call and harass me from different unknown numbers. 

The tenant above me was laced by some type of narcotic halfway through my leasing agreement. The apartment complex failed to notify me of this hazard even after there had been multiple police visits and police were actively involved. I was subjected to nonstop screaming and yelling during the nights I was supposed to be resting for work the next day. Having to stay up to meet police, glass and trash being thrown down on my balcony, and lack of sleep caused me to lose my job, develop a mental disorder, and terminate my relationship with my partner. Also, the tenant above me frequently communicated safety threats, so I was terrified of being harmed by weapons in my sleep or randomly whenever I heard the tenant having an episode. The tenant also had XXXX  activity going on while he was in this erratic mental state. I also heard and witnessed violence by the tenant to other people and his animals. 

I requested relocation which they denied unless I paid a relocation fee of {$500.00} even though this issue was not caused by me. This is a violation of statute XXXX. I left because I feared for my life and this was expressed to the property manager several times. An email was sent from XXXX XXXX XXXX with the last remaining balance being {$210.00} ( which I can provide documentation ). This situation contributed to the decline in my mental stability, my physical well being, and relationships with others that have all disintegrated due to the apartment complex not interfering after multiple pleas for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
This is a follow-up complaint to my previous CFPB case involving Zion Debt Holdings and XXXX XXXX XXXX. 

Zion Debt Holdings responded to my original complaint stating : We bought your past due XXXX alarm account. XXXX no longer owns your account. If you reach out to them it's going to get rerouted to us. Your account was not properly closed. Your balance is {$640.00}. Pay online at zionsdebtholdings.com with account XXXX. This is scheduled to be reported to the credit bureaus on XX/XX/year>. We already validated this debt. 

However, no actual validation has been provided as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Specifically : Zion has not provided a copy of the original signed agreement or contract from XXXX ; No itemized accounting or billing history explaining the {$640.00} balance ; No proof of legal assignment from XXXX to Zion. 

I also attempted to contact XXXX directly, but they refused to discuss the matter and stated that XXXX now owns the account. XXXX has not responded to any prior requests for validation or documentation. 

Despite this, Zion has threatened to report this disputed and unvalidated debt to the credit bureaus on XX/XX/year>, which would violate both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 623 ). 

I have mailed XXXX a certified Notice of Continued Dispute and Intent to File Complaint formally requesting validation and warning against unverified credit reporting. 

I request that the CFPB instruct Zion Debt Holdings to : Cease all collection and credit reporting until full legal validation is provided ; Provide proof of assignment and an itemized accounting of the alleged balance ; and Require XXXX XXXX XXXX to cooperate in producing the original signed agreement and closing documentation. 

If Zion reports this debt without proper validation, I will pursue further action for violations under both the FDCPA and FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief