vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: MI

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported on my credit file regarding a collection account. 

Account details Creditor : Trident Asset Management ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account No. : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$610.00} ( last updated XX/XX/XXXX ) What happened I have no knowledge of this account and never authorized or agreed to it. Despite prior disputes, the furnisher has not provided verification tying this account to me. No signed agreement, billing history, or proof of ownership has been produced. The account continues to be reported and updated, which is inaccurate, misleading, and harmful. 

Laws violated FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy ; reporting an unverified account violates this requirement.

FCRA 1681i ( a ) : Upon dispute, the bureau must conduct a reasonable reinvestigation; continuing to report without competent verification fails this duty.

FCRA 1681s-2 ( b ) : Furnishers must properly investigate disputes and report accurate results ; failure to provide verification breaches this duty.

FDCPA 1692e ( 8 ) : Debt collectors may not report credit information they know or should know is false, including failing to mark an account disputed or continuing to report unverified information. 

Because this account is unverified and inaccurate, the only proper correction under the law is for this collection account to be completely removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates ( PRA ) claims I owe the amount of {$390.00}. In response to my request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), PRA provided me only with a printout of a final bill from the original creditor showing a balance of {$190.00}.

This so-called validation is inadequate and inaccurate for several reasons : Amount Discrepancy The documentation PRA provided does not match the balance they are attempting to collect. They claim I owe {$390.00}, yet the only supporting document they produced shows {$190.00}. No explanation of additional fees, interest, or charges has been provided.

Failure to Provide Proper Validation Under the FDCPA, consumers are entitled to accurate, complete, and itemized validation of debts. A simple bill that does not reconcile the difference in balances does not constitute proper validation.

Potential Violation of Credit Reporting Accuracy Requirements The Fair Credit Reporting Act ( FCRA ) requires furnishers of information to credit bureaus to report only accurate and verifiable information. Attempting to collect or report a debt in an inflated or unsubstantiated amount is misleading, harmful, and in violation of these protections.

Because PRA has failed to provide accurate validation, and because the documentation provided clearly shows a materially different balance than what they are reporting, I request that this account be removed from my credit reports immediately. Reporting or attempting to collect on a debt without accurate and substantiated documentation causes me financial harm and undermines the integrity of the credit reporting system. 

I respectfully ask that the CFPB investigate this matter, ensure PRA is held accountable for these violations, and require the removal of this inaccurate debt reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Paypal credit fraudulent charges was put on the PayPal credit card so I try to have the fraudulent department of the company investigationed charges well they said they were mine so I paid the account off closed the account got a conformation number then in two week after I paid it off the charges was still there so I called they said they didn't get payment so I paid it again conformation number again was not paid called supervisor we agree on a mail in payment so I mail took the money now they are charging me late fees and interest

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 2025-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-07 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: NV

Complaint narrative:
( FIRST, & LAST NAME ), ( XXXX ), ( XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
-Experian For the past XXXX years has had numerous inaccurate/false information on my credit score. I have repeatedly reached out to them & disputed the issues to fix it & nothing happens. They have me listed as living at multiple homes with multiple addresses along with falsey owning every vehicle/morgtage in my family 's inventory & falsey claiming they are all deliquent. I have always & only lived at my parents home. They have me listed with false credit cards & XXXX XXXX bills that i never had or applied for. I've sent them multiple disputes to fix all the false information & they always ignore my requests. They are causing me constant stress due to false information & they don't even have my current car i've had for over XXXX year. 
-The only debts I have are as follows. A student loan under XXXX broken down into multiple loan chunks. A XXXX student loan credit card & my car loan being a chrystler XXXX from XXXX. I've never missed a car payment, and my car insurance, also never late. Exeprian has chronically ruined my credit. I will be notifying the Massachusetts Attorney general as well as filing a criminal law suit against Experian for ignoring my request to fix all the tremendous amount of false information on my cedit report. For a company who takes on the role of credit reporting it should be their utmost responsibilty to be ACCURATE!!. They also constantly spam me daily with grossly incorrect emails & text messages while ignoring my dispute requests.

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 2025-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: South River Mortgage, LLC
State: GA

Complaint narrative:
I am submitting this response to a complaint regarding South River XXXX and a contractor, XXXX XXXX XXXX, who has placed a lien on my property. 

On or about XX/XX/year>, I was scheduled to close a reverse mortgage loan with South River XXXX. However, I refused to proceed with the closing due to material discrepancies in the loan terms. On the day of closing, I discovered that the final loan amount and fees had significantly changed from what was originally presented to me. Specifically, the fees deducted from the loan proceeds were almost greater than the loan itself, which I believe was deceptive and predatory. 

As an XXXX senior, I feel that I was targeted with malicious intent by this company. The terms presented at closing were unacceptable and drastically different from what had been initially discussed. 

Following my decision not to close the loan, on XX/XX/year>, a contractor named XXXX XXXX XXXX placed a mechanic 's lien for {$17000.00} on my property. I had not authorized this lien and do not owe this amount. When I contacted the contractor, he claimed that XXXX XXXX of South River XXXX advised him to place the lien in retaliation or anticipation of loan proceeds that were never disbursed due to the canceled closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I called XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX department and asked why my loan information was not on the Transunion credit report. They replied that they only report their loan activities to XXXX of the other companies. It was either XXXX or XXXX 

My loan number with them is XXXX I have had a loan with this bank since XX/XX/year>2018 and have made all of my payments on time. When my credit is checked with Transunion, the score is much lower that the other credit companies because of this omission. 

Transunion will not investigate on their side. I have filed a dispute with them about it also. 

Please help resolve this problem. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Payroll was processed at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX by XXXX who then sent the payment to Citibank who did not issue my payment to my bank account.

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 2025-09-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute & Notice of Failure to Conduct Proper Investigation under FCRA Dear Experian, I am writing to dispute inaccurate information in my credit report and to place you on notice that your reinvestigation process has not complied with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Specifically, I previously disputed the following item ( s ) in my credit report : Creditor/Account Name : [ Insert Name ] Account Number ( last 4 digits ) : [ Insert Number ] Nature of Dispute : [ Briefly explain e.g., Account was settled in full, Balance is incorrect, This account does not belong to me. ] Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information and to provide all relevant information I submit to the furnisher. Under 1681i ( a ) ( 6 ) ( A ), you must provide a clear, written notice of the results of that reinvestigation. 

Your previous response failed to address my dispute adequately and did not clearly identify what actions, if any, you took to correct the information. This failure constitutes noncompliance with the FCRA and has caused continued harm to my creditworthiness. 

I am again requesting that Experian : 1. Conduct a reasonable reinvestigation of this disputed item.

2. Provide me with copies of all documentation you used in your reinvestigation, including the Automated Credit Dispute Verification ( ACDV ) response you received from the furnisher.

3. Provide a clear and specific explanation of the outcome whether the item was verified, modified, or deleted as required by law.

4. If the furnisher can not verify the accuracy of the item, delete it immediately from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please consider this letter a formal notice under the FCRA. If Experian does not correct this violation and continues to report inaccurate information, I may escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider pursuing legal remedies for damages under 15 U.S.C. 1681n and 1681o. 

I expect your response within 30 days as required by law. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I checked my recent report and saw multiple accounts reporting fraud on my report, I do not recognize these accounts there for they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I checked my recent report and saw multiple accounts reporting fraud on my report, I do not recognize these accounts there for they are not mine.

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 2025-09-07 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: Post Lake Lending Inc.
State: CA

Complaint narrative:
I took out an emergency loan in XX/XX/XXXX. My dog had gotten sick so I took him to the veterinary office and they offered a credit line service called scratch pay. Through this service, I got a loan through a company called Post Lake lending. The amount was for {$700.00} for which I have already paid off. Currently Ive paid a balance of {$780.00}. However, in my agreement, I was unaware that the interest rate is XXXX %. This company wants me to pay {$200.00} every XXXX weeks until XX/XX/XXXX. Once I did my last payment for XX/XX/XXXX, I realized this company was still asking for more money. Way more money than I can afford. I had to get my parents involved because I didnt know what else to do as this is my first emergency loan. I called back and told the company people to remove my card info that they had on file oddly enough I was met with a bunch of different options or alternatives to me removing my card info. These alternatives were different payment options that had previously never been discussed before. Numbers I had never heard of. They kept insisting that if I pay by a specified date of however much money that I would be done. They couldnt source these numbers anywhere on an agreement form or on paper, it was just by word-of-mouth. My father explained the term predatory lending to me and said that my case checks off. The APR alone is substantially higher than what is legal in California. 
After going back-and-forth, they finally insisted on removing my card info as I requested. I also told them to not contact me again and that I was going to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
I disputed multiple fraudulent and inaccurate accounts with Equifax, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my certified mail disputes, debt validation requests, and a sworn FTC Identity Theft Report ( # XXXX ), Equifax marked the accounts as verified without providing documentation or proof of ownership. 

On XX/XX/year>, I received a XXXX  breach notice confirming that my SSN and DOB were exposed in a XXXX incident. On XX/XX/year>, XXXX reported the same fraudulent tradelines. This is independent evidence that my identifiers were compromised and that the disputed accounts are unverifiable. 

Under FCRA 605B, Equifax must block identity theft accounts within 4 business days once provided with documentation. Under FCRA 611, unverifiable information must be deleted. Equifax has failed to comply and continues to report inaccurate and harmful tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AmSher Collection Services , Inc. is furnishing an alleged debt under my name and Social Security number without proper notice or lawful validation. This is a violation of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am the beneficiary of my personal data and identifiers. AmSher is handling this property in commerce, which places them in a trustee/fiduciary role. Accordingly, I have filed IRS Form XXXX ( Notice Concerning Fiduciary Relationship ), naming AmSher as trustee. They are now on notice that they must account for their actions. 

Despite my written demand, AmSher has failed to provide proper validation of the debt. They have not produced : The original, signed contract or instrument creating the alleged obligation ; Lawful assignment proving ownership of the debt ; Documentary proof of compensation arrangements or IRS forms showing their role as a paid collector ; Compliance records under FDCPA 809 ( a ).

Instead, they continue to report this unverified account to the credit bureaus. This is a violation of : FDCPA 807 ( 15 U.S.C. 1692e ) false and misleading representations ; FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverifiable information.

I am requesting that the CFPB order AmSher to immediately : Cease all collection activity until full and lawful validation is provided ; Delete any and all inaccurate or unverifiable reporting from my credit profile.

This is not a refusal to pay ; this is a demand for compliance with federal law and fiduciary obligations. AmSher is acting as trustee over my property without proper authority, and I am asserting my rights as beneficiary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation