vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sound Collection Services
State: CA

Complaint narrative:
This is a formal complaint against SCS XXXX ( Sound Collection Services ), a collection agency that has continued to report an unvalidated and derogatory tradeline on my credit report, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>2025 I received a collection letter from SCS., LLC . alleging I owe {$7300.00} in repairs to an apartment I previously resided in. I sent a letter requesting validation of the debt. On XX/XX/XXXX, I received a letter with documentation attached that was illegible. 

On XX/XX/year>2025, I submitted another debt validation request via certified mail. After waiting the required XX/XX/XXXX days without receiving any documentation that was complete, clear, legible, to include itemized statements of each charge assessed, including the date, description, quantity, unit price and supporting invoices or receipts for labor and materials, or any accounting showing how the claimed balance of was calculated, I then sent a second validation follow-up on XX/XX/scrub> 2025, which was received and signed for. 

As of today, no documentation has been provided validating the alleged now {$7600.00} debt. Despite this, the agency continues to report the account to XXXX or more credit bureaus, causing harm to my credit standing. 

Additionally, SCS XXXX is owed by XXXX XXXX XXXX, the very same property management company that originated the disputed debt. This presents a serious conflict of interest and appears to be part of a broader pattern of tenant abuse and unlawful collection practices. 

I am a medically retired XXXX military veteran, and I am the target of this collection action, which has caused significant emotional distress. 

According to FDCPA XXXX ( b ), the collection agency is required to cease all collection efforts, including credit reporting, until validation is provided. Their continued reporting without validation is a direct violation of federal law. 

Under Washington 's Residential Landlord Tenant Act ( RLTA ) ( XXXX XXXX ) a landlord must provide an itemized statement of any damage deductions withinXX/XX/XXXX days after tenancy termination. Because no such statement has been provided, the landlord may have forfeited the right to retain or collect these charges. 

I am requesting that the CFPB investigate this matter and compel the agency to remove this account from all credit reports. Supporting documents are available and include the original validation requests, certified mail proof of delivery, and credit reports showing the tradeline remains active. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Global lending services has contacted me repeatedly and left 2 voicemails on my personal ( not work ) cellular phone to try to get in contact with someone who works at the same place I do. We are not related, we have no debts in common, we barely know each other. I have no idea how my name would ever become linked to hers in this context. I blocked the first number that left a voicemail on XX/XX/XXXX and they called again XX/XX/XXXX and left a voicemail from a different number. They did not explicitly state that this person owes a debt, but I easily pieced it together by the phrasing important business matter as well as the phone number belonging to Global Lending Services. If the situation were reversed, I would be mortified that my coworkers were called on their personal numbers about a debt. I called global lending services back today and told them not to contact me again. I was told my information was removed. My complaint is that global lending services is calling people in no way associated with an account on their personal phones in order to attempt to reach the person that is associated with an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: KS

Complaint narrative:
The interest rate is unbelievably high, and there is no way I can pay this off

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 2025-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Past XXXX days i have got harassed through phone calls by speedy cash and they are saying they are a compliance officer. They are continuing to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint against Experian for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I placed an order with a vendor in XXXX for {$540.00} for delivery in XXXX. 
The vendor still has yet to deliver in XXXX ( now XX/XX/XXXX ) ; I contacted my bank, Chime, for a refund, by creating a dispute. 
I provided information on the payment I made from my Chime account to the vendor ; the emails showing I asked the vendor for an update, but did not get a response ; the other customers in the same exact situation on the website, posting they are not getting the {$500.00} product and not getting a response from the vendor. 
Chime denied my first dispute, I did a rebuttal, and they just denied the rebuttal again! 
I have clearly shown I paid {$540.00} from my Chime account over XXXX years ago. I waited patiently for the delivery of the product. The product NEVER got mailed/shipped, there is no proof of shipment, there is NO contact from the vendor. I have shown that multiple other customers can not get in contact with this vendor. This was done through multiple screenshots. 
Could the CFPB please assist me in getting an understanding in why I can not have my financial institution, Chime, do the right thing and refund my money? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXXXXXX. Over the past year, I have accepted customer payments for my services through PayPal, which processes transactions via our business software platformXXXX XXXX 

As my company began to grow and process a higher volume of payments, PayPal initiated a business validation process. I fully understood and cooperated with this review, and was subsequently informed that my account was verified and that all issues had been resolved. 

However, despite confirming that my account is in good standing, PayPal continues to hold all of my operating funds. They are still processing and accepting payments from my customers through the XXXXXXXX XXXX, but they have not released the money to my business bank account. 

This situation has now persisted for more than two weeks far beyond the five-day resolution period initially communicated to me. Because of this hold, I am unable to : Pay my employees. 

Issue payments and refunds to clients. 

Cover critical business expenses and debts. 

These withheld funds represent my companys entire operating income, and this has created a devastating impact on my small, veteran-owned business. 
To make matters worse, PayPals agreement states that they can hold funds for up to 180 days. This type of blanket policy, applied without cause or due process, effectively disables small businesses like mine from operating. 

I have contacted PayPals customer service multiple times, as well as my XXXX Transitions corporate support representative, and have been repeatedly told that the issue is being escalated. However, no tangible progress or resolution has occurred. 

I am filing this complaint to request immediate intervention. I need access to my legitimate business funds to meet payroll, satisfy customer obligations, and continue operations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-08 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I recently discovered a serious issue : my identity has been used to open fraudulent accounts without my consent or awareness. I want to state unequivocally that I did not authorize these accounts, and this situation clearly constitutes identity theft. 
This matter has caused me significant distress, and I am urgently requesting prompt action to address it.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims like they needed to. They informed me that recovering lost funds was impossible and that tracking these transactions was impossible. The XXXX  finding that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I wrote them on XX/XX/XXXX. Received a reply on XX/XX/XXXX. They sent a copy of the lease it had my name no social security number on any documents meaning they didnt confirm it was my information.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is in direct violation of the CARES Act, knowingly and wrongfully reporting incorrect information to the credit bureaus substantially impacting my credit score and preventing me from obtaining financing. In XX/XX/year> I applied for the mortgage assistance plan under the CARES Act. XXXX barred me from making a payment in XX/XX/year>. Under the Mortgage Assistance Plan the first payment was due XX/XX/year>, full payment was tendered on the same date. A second full payment was made XX/XX/year> while on the mortgage assistance plan. XXXX is reporting my mortgage account to the credit bureaus as negative with a late payment for XXXX XXXX XXXXXX/XX/year> while being covered by the mortgage assistance plan. This in it of itself is a direct violation of the CARES Act which prohibits XXXX from negatively reporting payments as late while under the mortgage assistance plan. Ive instructed XXXX to remove and correct this information to no avail, they continue to ignore my 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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-07 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: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have discovered public records associated with my credit report that I do not recognize, which is deeply concerning. I urgently request the removal of these entries, as they are causing me significant anxiety and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that have harmed my credit and continue to cause significant financial and emotional distress.

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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