vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
RE : Formal Dispute of Collection Account CREDIT COLLECTION SERVICES ( Progressive Balance : {$1300.00} | Date Opened : XX/XX/year> To Whom It May Concern, This letter serves as an official dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding a collection account reported by CREDIT COLLECTION SERVICES. I am demanding the permanent deletion of this entry from my credit report based on multiple violations of federal law : Violation of FCRA 1681e ( b ) This entry lacks verified, complete, and accurate reporting. The collection status is unsubstantiated and shows a past due balance of {$1300.00} without any supporting documentation or payment record from the original creditor, XXXX. 


Failure to Provide Proper Validation FDCPA 809 ( 15 U.S.C. 1692g ) This account was never properly validated. A collection agency is required to provide a detailed accounting of the alleged debt, including the original contract and billing statements. This was never provided.

Lack of Permissible Purpose FCRA 1681b There is no proof that CREDIT COLLECTION SERVICES or its client ( Progressive ) had a legally permissible purpose to access and report my credit information. 


Potential Re-aging This account shows an open date of XX/XX/year> but fails to clarify the true date of first delinquency with XXXX. If the open date is used to re-age this debt, it would be a direct violation of FCRA and a deceptive practice under CFPB oversight. 


Unverifiable Debt The burden is on the credit bureau and data furnisher to verify every detail, including balance, ownership, and payment history. In the absence of complete and verifiable documentation, the information must be removed under FCRA 1681i ( a ) ( 5 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2025 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-15 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit files without my knowledge, consent, or authorization. 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) documenting these unauthorized accounts and inquiries. These accounts were opened and inquiries made by unknown individuals using my personal information, likely as a result of the Equifax data breach. 

The fraudulent accounts appearing on my credit reports include : Challenge Financial Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries also include : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts and inquiries are the result of identity theft and should be permanently blocked from my credit reports in accordance with FCRA 15 U.S.C. 1681c-2.

I request that the CFPB assist in ensuring the credit reporting agenciesEquifax, Experian, and TransUnionimmediately remove the above accounts and inquiries from my credit files and take steps to prevent further unauthorized use of my information. 

I have enclosed the following : FTC Identity Theft Report ( # XXXX ) Copy of my government-issued ID Copy of my Social Security card Proof of address Signed : XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors in billing and credit reporting have harmed my credit. Under TILA ( 15 U.S.C. 1666 ( b ) ), creditors must accurately record payments and credits. My payments were not properly applied, there are calculation errors, and I did not receive the required 21-day notice before payment was duemaking any late marks invalid.

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 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I received notification from the credit bureaus that a collections account in the amount of {$2400.00} had been placed on my credit report from an Indiana utility provider, XXXX. I do NOT live in Indiana, I do not have an account with XXXX, and I have never authorized anyone to open an account using my personal information. 

After being notified by the credit bureaus, I immediately contacted XXXX to report the fraud and gather further information. The XXXX customer service representative confirmed that the fraudulent account was tied to the service address XXXX XXXX XXXX, XXXX, XXXX XXXX. This property is managed by XXXX XXXX XXXX, which confirmed that the tenant is XXXX XXXX. 

XXXX also provided additional details : The phone number on the account and used to make prior payments is ( XXXX ) XXXX. 

The email address on file is XXXX. 
Both the phone number and email are registered to XXXX XXXX. 

XXXX XXXX also listed himself on the account as a reference claiming to be " my boyfriend '' ( I do NOT know this guy, have never met him in my life. ) Further, XXXX XXXX is currently being evicted from this same address under XXXX XXXX XXXX # XXXX. 

It is clear that XXXX XXXX unlawfully obtained and used my personal information to open this account without my knowledge or consent, committing identity theft and fraud. 

On XX/XX/year>, I spoke directly with Detective XXXX XXXX XXXX XXXX, Indiana Police Department, who opened an active investigation. I have made it clear that I intend to pursue criminal charges to the fullest extent allowed by law. I am now waiting for Detective XXXX to subpoena XXXX for all relevant records and present the case to the XXXX XXXX XXXX XXXX for charges to be filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-15 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I have been trying for countless days to have XXXX Mortgage report my years of payment credit history. This is imperative to show all my years of hard work paying for my house. I filed XXXX  over XXXX years ago to buy myself some time after coming out of a divorce. I withdrew the XXXX  XXXX, and the XXXX  XXXX I thought was discharged and affirmed. But XXXX said they don't have to report the history if it wasn't affirmed. I spoke with the attorney who was handling it back then and he said to write in to get this information uploaded to my credit history PLEASE! I am XXXX XXXX XXXX now, and I need my history in my credit report to show I am a good steward of longevity in paying my bills. I currently now have XXXX XXXX after I took some equity out of my house to help my XXXX sons with their homes and I refinanced my home.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA
State: NC

Complaint narrative:
Ive never attended college or applied for the loan

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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 am writing to formally request the removal of inaccurate and fraudulent information from my credit file. I am a victim of identity theft. My credit report currently reflects multiple accounts and inquiries that I did not apply for, authorize, or initiate. These items are the result of identity theft and do not belong to me.

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 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Even my insurer, XXXX XXXX, is flabbergasted at the level of incompetence and con artistry exhibited by Citizens. My home suffered significant hail damage, and both the insurance and repair processes were painless. However, Citizens is withholding my final payment check and has canceled my final inspection ( despite repairs having been completed months ago ) due to 'paperwork. ' They have received authorizations and statements from XXXX XXXX, my contractor, and myself, but seem to come up with a new excuse/demand daily. Their practices have to be illegal -- holding on to large settlement checks in hopes of bulking up their own interest-bearing coffers. In the meantime, my construction partners have eaten costs and interest. It is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I report would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: MO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-15 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I received a letter from Aldous & Associates in XXXX, stating that I owe them {$150.00}. The letter also stated that if the recipient did not owe that money or if the amount was incorrect, the recipient should call them to dispute. The letter also threatened that if the recipient did not comply, they can report to credit bureau and negatively reflect on the recipient 's credit. I saw that the billing came from XXXX XXXX XXXXXXXX. The amount originally demanded from XXXX 's XXXX was {$39.00} and this was after I had told them I do not want to renew my expired membership in XXXX. XXXX 's XXXX still charged me and I filed a claim with my bank. The issue was settled back in XXXX but XXXXXXXX XXXX XXXX  charged me {$42.00} in XXXX. I called Aldous & Associates in XXXX to dispute the issue because that was more than XXXX times what was forcefully demanded from XXXXXXXX XXXX XXXX. When I called Aldous, this extremely rude woman on the other end repeatedly screamed " don't worry about it '' and " it's from XXXX XXXX XXXXXXXX ''. Aldous made a false statement on their letter because they refused any kind of dispute. Furthermore, they intentionally concealed substantial information by refusing to release the breakdown and explanation of the amount of the bill. Why should I " not worry '' about paying my money to these people? They refused to release any substantial information, they refused any dispute, threatened to damage my credit, did not provide any explanation, and literally just screamed at me to pay. Then without answering any of my question, the woman rudely cut me off at every sentence and hung up on me. When I filed complaints about these issues, they completely ignored me and did not answer to my complaints. Instead, they sent me another email demanding me to pay. I even made an offer to settle and they ignored that too. Then, they literally made countless phone calls and even left a voice mail harassing me. They demand my money without providing any explanation as to why I owe them money, threatened me, screamed at me, refused to provide substantial information, and harassed me by calling me all day. They made a false statement on their letter suggesting that they were open to discuss any dispute, when in reality, when you call them to dispute, they will not let you speak, tell you not to worry about it, scream at you, and just hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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 take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have a loan with credit acceptance and the car I got was used and I think Im paying to much for this car

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation