vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
ACCOUNT XXXX I am a consumer as defined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( c ). 
Absolute Resolutions Investments , LLC accessed, used, and/or furnished information related to my consumer credit report without a lawful permissible purpose as required by 15 U.S.C. 1681b. 
I did not initiate any credit transaction with Absolute Resolutions Investments , LLC . 
I did not apply for credit with this company. 
I did not provide written, oral, or implied authorization for this company to access or use my consumer report. 
I have no contractual relationship with this company. 
Absolute Resolutions Investments , LLC is a debt buyer and not the original creditor. No signed agreement, court judgment, or valid authorization has been produced establishing a consumer relationship or permissible purpose under the FCRA. 
Despite the lack of permissible purpose, Absolute Resolutions Investments , LLC has reported and/or caused inquiries or tradelines to appear on my consumer credit reports. This constitutes an unauthorized access and use of my consumer report Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specifically enumerated permissible purposes. Debt collection activity alone does not grant automatic authority absent a valid consumer-initiated transaction or authorization.

Further, under 15 U.S.C. 1681n and 1681o, willful or negligent noncompliance with the FCRA subjects furnishers and users of consumer reports to civil liability. 
Absolute Resolutions Investments , LLC knew or should have known the statutory requirements of the FCRA and nevertheless accessed and/or furnished information without permissible purpose. 

As a direct result of these actions, I have experienced : Damage to my credit reputation Inaccurate and unauthorized reporting Increased difficulty obtaining credit Emotional distress related to improper credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the above-referenced collection account that your company is reporting on my consumer credit file.

According to my credit report, this account is listed as Account information disputed by consumer, yet it continues to be reported as an open derogatory collection with a balance of {$1200.00}, which is causing ongoing harm to my creditworthiness.

This account is disputed for the following reasons : 1Failure to Validate the Debt You have not provided proper validation demonstrating that I am legally obligated to pay this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

2Inaccurate and Incomplete Reporting The account is being reported without verified documentation, including : A signed agreement or contract Proof of assignment or authority to collect An itemized accounting of the balance 3Violation of FCRA 623 ( a ) ( 1 ) ( A ) You are furnishing information to consumer reporting agencies that you can not fully verify as accurate.

4Violation of FCRA 611 ( a ) Upon dispute, unverifiable information must be deleted, not merely updated or re-aged.

Under FCRA 611 and 623, I am demanding the following : Immediate deletion of this collection account from ALL consumer reporting agencies Written confirmation that the account has been permanently removed Cessation of all reporting and collection activity on this account If you are unable to provide proper validation within the time allowed by law, you are legally required to delete this account immediately. 
Failure to comply will leave me no choice but to pursue all available remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action for non-compliance. 

This letter is not an acknowledgment of liability and is sent in good faith to resolve inaccurate reporting. 

I expect your written response within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I am writing to notify you that I am a victim of identity theft/fraud. Accounts have been opened using my personal information without my knowledge or authorization. These accounts do not belong to me, and I am not responsible for any charges, balances, or collection activity associated with them. 
Despite my previous written disputesincluding multiple letters, phone calls and a recent message submitted through your online portal Experian continues to report fraudulent information on my credit reports. This ongoing reporting is a violation of federal law. 
Enclosed, you will find a copy of my FTC Identity Theft Report, FCRA 605B requires credit reporting agencies to block fraudulent information within 4 business days after receiving an identity theft report. Experian must remove this information, as continued reporting is unlawful.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

Company 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 2025-12-27 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:
XXXX XXXX CFPB response is contradicted by its own written communications and internal payment ledger. 
On XX/XX/year>, XXXX emailed me stating that my missed XX/XX/XXXX payment was deferred to the end of the loan and that my account was current. XXXX XXXX XXXX XXXX independently confirms this by stating : DELINQUENCY CURED BY DEFERMENT NOT BY PAYMENT. 
Despite this, XXXX later told the CFPB that the account remained more than 30 days past due and that a 30-day late was valid. These positions are inconsistent and can not both be accurate. 
The ledger also shows payments accepted and applied after XX/XX/XXXX, including payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, contradicting XXXX claim that no payments were made. 
Repossession activity occurred on or around XX/XX/year>, while an extension was active and after the account had been declared current. XXXX is now attempting to justify adverse reporting and repossession in contradiction of its own records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I became aware of a collection entry/received a communication from Speedy Cash regarding an alleged debt Account. On XX/XX/year> at XXXXXXXX XXXX, I submitted a formal Request for Validation via Certified Mail pursuant to 15 U.S.C. 1692g. 

Despite my timely dispute, the company has failed to provide sufficient verification of the debt, including the original contract or a complete chain of title. Furthermore, the company has : Select applicable violation : Continued collection efforts without providing verification ( 15 U.S.C. 1692g ( b ) ).

XXXX XXXX  violation : Failed to mark the account as " Disputed '' on my credit reports ( 15 U.S.C. 1692e ( 8 ) ). 

Select applicable violation : Engaged in excessive or harassing communication after receiving a written request to cease contact ( 15 U.S.C. 1692c ). 

Legal Argument : The respondents failure to provide substantive evidence of the debt while maintaining a derogatory mark on my credit profile constitutes a " False or Misleading Representation '' under the FDCPA. Additionally, by reporting information they know or should know to be inaccurate ( due to lack of verification ), they are in violation of the FCRA 15 U.S.C. 1681s-2, which requires furnishers to investigate and correct inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: TN

Complaint narrative:
Back when I was working I had access to borrow money from cash app and I borrow what I could to be able to know when I can pay it back and on XXXX XXXX I had about {$100.00} it was owed my mom sent {$40.00} for me to buy a gift for someone and it was taken from me without authorization and this is not the first time that this has happened this is over a few times over the past few years that I've been a cash app customer I've been charged a fee every time and every day that I'm not being able to pay back the money that I have borrowed from you guys this is the second time that I've called this is the second time I report to being made and nothing 's being done about it and I'm constantly being in charge for the money that I can't pay back right now at the moment so what can be done they just take unauthorized transactions and don't know what a person is going through and that's how y'all are doing things now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Validate debt within 30 days ( FDCPA 809 ) Report accurately and consistently across bureaus Cease reporting if they can not validate Common violations I see risk for : No original creditor listed No contract or signature Incorrect balances Duplicate reporting ( original creditor + collection ) FCRA 1681e ( b ) ( accuracy ) FDCPA 807 ( misrepresentation ) State usury & disclosure laws Dispute grounds : Failure to disclose terms clearly Inflated balances Improper reporting as installment vs revolving Re-aging of debt These are prime deletion candidates.

FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681c ( a ) Obsolete information FCRA 1681s-2 ( b ) Furnisher investigation duties FDCPA 807 & 809 Debt validation & misrepresentation FTC Identity Theft Protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I am a documented victim of identity theft whose personal identifying information has been compromised in multiple data breaches, including breaches involving credit reporting agencies. I have previously reported identity theft to the FTC, CFPB, and the credit bureaus. 

Despite multiple disputes, Equifax continues to report inaccurate and unverifiable information on my credit file, including mixed-file data, unauthorized name variations and aliases, unlawful hard inquiries, and disputed tradelines that were never properly reinvestigated. 

Equifax is reporting names and identity variations that are not legally mine, which constitutes a mixed credit file. Federal courts recognize mixed files as a serious Fair Credit Reporting Act violation. Equifax has also continued reporting inquiries that are not tied to open or verified accounts and that lack a permissible purpose. 

Equifax failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). After receiving notice of identity theft, Equifax was required under 15 U.S.C. 1681c-2 to block and delete identity-theft-related information but failed to do so.

I am requesting immediate deletion of all inaccurate, unverifiable, identity-theft-related information, removal of all unauthorized inquiries, correction of all personal information to reflect only my lawful name, and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im writing to appeal the decision on my dispute for the charge of {$170.00} from XXXX ( XXXX ) on XXXX ( on my citi bank cc ) This is not a non-receipt claim. I received the item, returned it, and the merchant never processed my refund. They also stopped answering my messages. I asked to reopen and reclassify my dispute as Returned Merchandise / Credit Not Processed ( refund not received ), but they ignored my email and later on i wasn't able to send emails to them and i'm devastated. 

Timeline : XXXX XXXX XXXX  : Purchased item on XXXX ( amount {$170.00} ). 

XX/XX/scrub>XXXX XXXX XXXX XXXX Notified seller the item was defective/damaged and requested a return.

XXXX XXXX XXXX : Shipped return to the sellers provided return address ( tracking XXXX ). 

XX/XX/scrub>XXXX XXXX XXXX  : Tracking shows Delivered to the sellers address.

As of today : No refund has posted to my account. 

I attached evidence, such as : 1. Return shipping label/receipt showing the sellers name and XXXX delivery address and the tracking number 2. Carrier tracking page showing Delivered ( tracking XXXX ) 3. Message history with the seller confirming the return was sent and received status was discussed The merchants claim that the item is still in my possession is incorrect and contradicted by the delivery confirmation. 
I asked citi bank to send a confirmation that my appeal was submitted with the evidence but, again, received no reply.

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 2025-12-27 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:
CFPB Complaint XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ) This complaint concerns materially inaccurate, inconsistent, and unverifiable credit reporting related to the following account : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$1900.00} Status : Closed / Collection Issue : XXXX  deleted this account on XX/XX/year> due to a data issue, confirming that the account could not be verified. Equifax continues reporting the account with conflicting balances and unverifiable delinquency dates. The Metro 2 fields conflict, making e-OSCAR verification unreliable.

Continued reporting by Equifax of data already removed by XXXX  demonstrates a failure to maintain reasonable procedures to ensure maximum possible accuracy, in violation of FCRA 1681e ( b ), FCRA 1681i, and 623 ( a ) ( 5 ). This ongoing reporting constitutes an unfair and deceptive practice under CFPA ( UDAAP ) and Section 5 of the FTC Act.

Requested Resolution : Immediate deletion of this account from all consumer credit reports, confirmation that all inaccurate data has ceased reporting, and assurance of compliance with FCRA and UDAAP standards to prevent future systemic inaccuracies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P&B Capital Group, LLC
State: MI

Complaint narrative:
Many people from P & B Capital Group harassed me and my family members for months about a debt that I owed. I tried numerous times to call, email and work with this group to try to get onto a payment plan that i could afford. No one was willing to help work with me, and insisted I paid off in full or else. I scrambled to get the money with a week notice and paid off my debt of {$1800.00} on XX/XX/XXXX with the agreement that it would be a pay to DELETE. This loan has not been reported to any credit bureaus and has put a very large mental and financial strain in my life even though I have paid it off in full to try to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXXXXXX XXXXXXXX vehicle from a dealership in XXXX, where the salesperson gave me the following conditions : a total cost of {>= $1,000,000} ( including taxes ) for the vehicle, with a down payment of {$4500.00}, leaving the remaining {$9500.00} to be financed by Westlake in XXXX installments of {$550.00} each. However, the contract states that the financed amount was not {$9500.00} but {>= $1,000,000}. At first, I thought that the {>= $1,000,000} might refer to the total amount I would pay with interest, but no, upon closer examination and calculation, I will end up paying almost {$25000.00} for the vehicle. 

It is also important to inform you that I was not informed about the 28 % annual interest rate, which I would likely not have agreed to if I had known, as I trusted the salesperson that it was a good deal to acquire the car under these conditions. The final value is significantly different from the initial value, which leads me to believe that I was misled because I do not have a strong command of the English language, especially when it comes to more technical terms. Therefore, I would like to request a review and analysis of this contract, as I suspect that products or services were included that I was not informed about.

Company response to consumer: Closed with explanation