vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-12-10 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: AL

Complaint narrative:
I am submitting this follow-up complaint because my credit reports contain multiple inaccuracies and inconsistencies across Equifax, Experian, and TransUnion that have materially harmed my creditworthiness and appear to violate federal law ; addresses such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear only in Experian while XXXX XXXX, XXXX XXXX, XXXX XXXX appear only in TransUnion, creating contradictory reporting that violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update ) and 623 ( b ) ( furnishers duty to investigate ), and accounts such as XXXX XXXX XXXX XXXX XXXX  are reported with conflicting dates of last activity and dates reported across Equifax and TransUnion, violating FCRA 605 ( a ) ( obsolete information ), 623 ( a ) ( 1 ) ( A ) ( accurate reporting ), and 623 ( a ) ( 5 ) ( accurate DOFD reporting ) ; additionally, XXXX XXXX XXXX XXXX XXXX is reported in TransUnion but missing in Experian and Equifax, creating an incomplete and misleading credit history and potentially violating FDCPA 807, 808, 809 regarding false, unfair, and unvalidated debt practices ; further, multiple inquiries and reporting from XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  appear inconsistently across the three bureaus, violating FCRA 604 ( a ), 605 ( a ), 611 due to unauthorized or outdated hard pulls ; collectively, these issues show that furnishers and credit bureaus are not fulfilling their legal obligations to report accurate, complete, and verified information, leaving me with a credit file that is fragmented, misleading, and in violation of both FCRA and FDCPA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
Upstart row off this debt in 2024 and was able to claim on their taxes but never sent a 1099C upon looking at my credit report they sold this debt and the debt collector never contacted me but has now filed a lawsuit, but not served me so now I am requesting proper chain of custody of documents. A clear chain of title. Accurate documentation. compliance with the notification from the said debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding Santander Consumer USA repossessing my vehicle after I filed for arbitration and while the account was in dispute. 

I filed arbitration with XXXX on XX/XX/year> ( XXXX Case No. XXXX ). On XX/XX/year>, Santander emailed me stating repossession was being pursued. I replied in writing the same day in good faith through their system and by email to multiple Santander contacts. 

Despite the pending arbitration and dispute status, the vehicle was repossessed on Tuesday, XX/XX/year>. My personal property including my wallet, drivers license, Social Security card, bank cards, clothing, and miscellaneous items was inside the vehicle and taken with it. 

I attempted to call Santander three times to resolve property retrieval and discuss the dispute, but the calls disconnected after 14 and 20 minutes, and the estimated wait time exceeded an hour on my third attempt. I was unable to reach a live agent.

I am requesting investigation and assistance regarding : Repossession during an active arbitration case Failure to provide meaningful opportunity to cure or communicate Property retained in vehicle including identity documents Potential bad-faith enforcement and unfair collection practice I am seeking resolution, return of vehicle or alternative settlement options, return of personal property, and review of Santanders conduct. 

Documentation available upon request ( arbitration receipt, emails, property list, screenshots, call logs, etc. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: NJ

Complaint narrative:
I am filing this complaint because Equifax has failed to correct multiple inaccurate and conflicting XXXX XXXX account entries on my credit report, despite my prior formal dispute sent under the Fair Credit Reporting Act ( FCRA 611 ). This is now my Second Notice, yet Equifax continues to report duplicate accounts with contradictory statuses, balances, payment histories, and remarks including Charge Off, Dispute Resolved Consumer Disagrees, and at the same time listing the same account as In Good Standing. These inaccuracies violate FCRA 607 ( b ) accuracy requirements as well as FCRA 623 ( b ) furnisher responsibilities, and Equifax has failed to conduct a reasonable reinvestigation within the required timeframe. These ongoing errors continue to harm my creditworthiness and ability to obtain fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Debt collectors are reporting debts that are not verified, inaccurate, and legally disputed. XXXX XXXX illegally garnished my wages without prior written notice or proper validation. They never provided proof of ownership, an original signed contract, or any court summons served to me before taking legal action. They continue reporting disputed information to credit bureaus, violating FDCPA 807 & 809 ( b ), and FCRA 607 ( b ) & 611. I am requesting investigation, full reversal and refund of wage garnishment, and removal of all unverified accounts from my credit reports. 

CFPB COMPLAINT & CEASE COLLECTION ILLEGAL GARNISHMENT & UNVERIFIED DEBTS Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX I am submitting a formal complaint against several third-party debt collectors reporting inaccurate, unverified debts and engaging in illegal collection activity, including wage garnishment without proper legal notice, which violates the FDCPA and FCRA. 

Illegal Wage Garnishment XXXX XXXX XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX began garnishing my wages without : Original signed contract Notice of lawsuit Proof of judgment served to me Itemized accounting of the alleged debt This violates : FDCPA 807 ( 2 ) ( A ) false representation of legal status FDCPA 809 ( b ) collection must stop until validation is provided FCRA 611 unverifiable information can not be reported Employer Notification Details : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Rate : 10 % wage garnishment Amount : {$770.00} NO prior legal notice was ever sent to me XXXX has already taken a large portion of my wages which is causing severe financial hardship. 

Other Debt Collectors Reporting False or Unverified Accounts These companies continue to report debt that is disputed and unvalidated : 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 Portfolio Recovery multiple accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  multiple accounts Violations include : Reporting inaccurate balances and dates No permissible purpose to report No proof of ownership/chain of title Continued collection during dispute Failure to investigate reinvestigation requests Requested Action I am demanding that the CFPB require : 1 Immediate suspension and reversal of wage garnishment 2 Full debt validation from all collectors involved 3 Deletion of all unverifiable accounts from my credit reports 4 Written response confirming compliance with federal law I have endured wrongful financial harm and need this resolved urgently. 

Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Debt collectors are reporting debts that are not verified, inaccurate, and legally disputed. XXXX XXXX illegally garnished my wages without prior written notice or proper validation. They never provided proof of ownership, an original signed contract, or any court summons served to me before taking legal action. They continue reporting disputed information to credit bureaus, violating FDCPA 807 & 809 ( b ), and FCRA 607 ( b ) & 611. I am requesting investigation, full reversal and refund of wage garnishment, and removal of all unverified accounts from my credit reports. 

CFPB COMPLAINT & CEASE COLLECTION ILLEGAL GARNISHMENT & UNVERIFIED DEBTS Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX I am submitting a formal complaint against several third-party debt collectors reporting inaccurate, unverified debts and engaging in illegal collection activity, including wage garnishment without proper legal notice, which violates the FDCPA and FCRA. 

Illegal Wage Garnishment XXXX XXXX XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX began garnishing my wages without : Original signed contract Notice of lawsuit Proof of judgment served to me Itemized accounting of the alleged debt This violates : FDCPA 807 ( 2 ) ( A ) false representation of legal status FDCPA 809 ( b ) collection must stop until validation is provided FCRA 611 unverifiable information can not be reported Employer Notification Details : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Rate : 10 % wage garnishment Amount : {$770.00} NO prior legal notice was ever sent to me XXXX has already taken a large portion of my wages which is causing severe financial hardship. 

Other Debt Collectors Reporting False or Unverified Accounts These companies continue to report debt that is disputed and unvalidated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management multiple accounts XXXX XXXX XXXX XXXX XXXX XXXX multiple accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  multiple accounts Violations include : Reporting inaccurate balances and dates No permissible purpose to report No proof of ownership/chain of title Continued collection during dispute Failure to investigate reinvestigation requests Requested Action I am demanding that the CFPB require : 1 Immediate suspension and reversal of wage garnishment 2 Full debt validation from all collectors involved 3 Deletion of all unverifiable accounts from my credit reports 4 Written response confirming compliance with federal law I have endured wrongful financial harm and need this resolved urgently. 

Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: AL

Complaint narrative:
I am submitting this follow-up complaint because my credit reports contain multiple inaccuracies and inconsistencies across Equifax, Experian, and TransUnion that have materially harmed my creditworthiness and appear to violate federal law ; addresses such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear only in Experian while XXXX XXXX, XXXX XXXX, XXXX XXXX appear only in TransUnion, creating contradictory reporting that violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update ) and 623 ( b ) ( furnishers duty to investigate ), and accounts such as XXXX XXXX XXXX XXXX XXXX  are reported with conflicting dates of last activity and dates reported across Equifax and TransUnion, violating FCRA 605 ( a ) ( obsolete information ), 623 ( a ) ( 1 ) ( A ) ( accurate reporting ), and 623 ( a ) ( 5 ) ( accurate DOFD reporting ) ; additionally, XXXX XXXX XXXX XXXX XXXX is reported in TransUnion but missing in Experian and Equifax, creating an incomplete and misleading credit history and potentially violating FDCPA 807, 808, 809 regarding false, unfair, and unvalidated debt practices ; further, multiple inquiries and reporting from XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  appear inconsistently across the three bureaus, violating FCRA 604 ( a ), 605 ( a ), 611 due to unauthorized or outdated hard pulls ; collectively, these issues show that furnishers and credit bureaus are not fulfilling their legal obligations to report accurate, complete, and verified information, leaving me with a credit file that is fragmented, misleading, and in violation of both FCRA and FDCPA requirements.

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Roadrunner Account Services, LLC
State: CA

Complaint narrative:
I am filing this complaint against Road Runner Financial regarding a fraudulent account ending in XXXX, showing a negative balance of {$17000.00}. This account was opened without my knowledge, authorization, or consent and is the direct result of identity theft. 
I have never applied for or opened any account with Road Runner Financial. I notified Road Runner Financial that this account is fraudulent, yet my concerns have been ignored. They failed to conduct a proper investigation and continue to report this account to the credit bureaus, causing serious negative impact to my creditworthiness. 
Road Runner Financials refusal to investigate or remove this fraudulent information violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements for furnishers to conduct a reasonable investigation when a consumer disputes inaccurate or fraudulent data. 
This ongoing false reporting is causing significant hardship, affecting my ability to obtain credit and creating unnecessary financial harm. 
I have included a copy of my FTC Identity Theft Affidavit with this complaint as supporting documentation proving that I am a victim of identity theft and that I should not be held liable for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Synchrony Bank ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
In XXXX or XX/XX/year>, I applied for a XXXX credit card and was approved for a {$2100.00} credit limit. After a few months, XXXX dropped my credit limit down to {$500.00} without any prior notification, supposedly because my XXXX XXXX had dropped. When I asked where this was disclosed in the terms, I did not receive any clear explanation. This sudden reduction happened while I was in the middle of a dispute and after I had already made purchases, so it now appears as if I am abusing my credit and going over the limit, which is hurting my XXXX XXXX and feels misleading and unfair. 

In XXXX, I made several purchases on the card for XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, and XXXX dollars, totaling XXXX dollars. There is also a {$600.00} charge from XXXX Car Rental on this card that I have been disputing since XX/XX/year>, which is a false charge. I have called XXXX at least twice a week trying to resolve this, but I still have no resolution. I also contacted XXXX by email, and they sent me documentation showing that no charge for {$600.00} is valid on my XXXX account. I forwarded this email to Prosper, but they continue to place the blame on me and refuse to fix the issue, even though XXXX, the company they say they paid, has confirmed they do not know of this debt.

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 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a request to BSI Financial Services for a payoff statement for my mortgage loan. The company did not provide the payoff statement within a reasonable time. 

I followed up multiple times : XX/XX/XXXX : First follow-up ( no response ) XX/XX/XXXX : Second follow-up XX/XX/XXXX, XXXX : I received repeated automated responses, including messages stating the request would be completed by XX/XX/XXXX, a date that had already passed. These responses showed the request was not being processed. 

For 31 days ( Oct 10Nov 10 ), no payoff statement was provided, and daily interest continued to accrue. 
The payoff statement was finally issued on XX/XX/XXXX, only after I filed a CFPB complaint. 

Based on the payoff statement, the per diem interest is $ XXXX. 
Because of the XXXX delay, approximately {$2400.00} in additional interest accrued unnecessarily. 

I am requesting a refund or credit for this additional interest, which resulted solely from the servicers delay in providing the payoff statement.

Company response to consumer: Closed with explanation