vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IN

Complaint narrative:
Complaint Against Americollect , Inc. Unverified Medical Collection Reporting Account Number : XXXX Balance : {$1600.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Original Creditor : Medical Provider To Whom It May Concern : I am filing this complaint because Americollect , Inc. is reporting a medical collection account on my credit file without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I made a written request for validation.

Americollect failed to provide any documentation, yet continues reporting the account as a valid debt.

1. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) Americollect has not supplied : Itemized statements Proof of assignment of the debt Date of service and billing codes Insurance billing and payment breakdown Any signed forms authorizing medical services or payment HIPAA release showing lawful access to billing data Despite this, they continue reporting the debt. 

2. Reporting Unverified & Potentially Inaccurate Information ( FCRA 607 ( b ) ) Americollect can not verify the total amount of {$1600.00} or the accuracy of dates and status reported to bureaus.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) After my dispute, the furnisher did not update the bureaus to reflect that the account is in dispute, which is a legal requirement.

4. Continuing Collection Activity Without Validation ( FDCPA 809 ( b ) ) Reporting to Experian, Equifax, and TransUnion qualifies as collection activity.

This must stop until the debt is validated yet they continue.

5. Possible HIPAA Violations Americollect has not shown proof they are permitted to possess or transmit my medical billing records. 
1. Require Americollect to provide full validation documents, including : Itemized charges Insurance billing history Proof of assignment Signed treatment or admission forms HIPAA authorization 2. If unable to validate, require removal of the account from XXXX XXXX XXXX XXXX  3. Require the furnisher to update the account status to disputed, as required by law. 
XXXX. Require all collection and reporting activity to stop until validation is completed. 
I do not believe this debt is valid. I requested validation from Americollect and received none. 
This account is harming my credit, and I need CFPB intervention to ensure compliance with federal law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I recently reviewed my credit report and identified several accounts that I do not recognize or authorize. These entries strongly indicate that I have been a victim of identity theft. I have previously raised this issue, and I am once again requesting the immediate removal of all unauthorized accounts from my credit file. 

The continued presence of these inaccurate and unauthorized items is causing significant distress and does not reflect my true credit history or financial behavior. This situation has made it extremely difficult to manage important financial goals, including purchasing a home and providing stability for my family. 

If this matter is not promptly corrected, I will be prepared to take appropriate legal action to protect my rights and ensure compliance with applicable consumer protection laws. I request your immediate attention to this issue and expect a timely resolution.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: KS

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding certain items on my credit report that I believe to be inaccurate and incomplete. Below is a detailed list of the accounts in question, separated by bureau. 

Inquiries : 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/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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-17 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-17 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: CA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/2025, I visited the Mercedes-Benz of XXXX looking to purchase a car. We were assisted by XXXX XXXX from the sales department. I expressed interest in a XXXX XXXX, and XXXX XXXX persuaded me to lease the vehicle, citing a {$7500.00} rebate that would only apply if I chose to lease. He further assured me that after 3 months of lease payments, I could buy out the lease and own the car. Working with XXXX XXXX and XXXX XXXX, the sales manager, we agreed that the cost of the car would be {$50000.00}. I had not mentioned how much down payment I would pay. A verbal agreement was made for {$50000.00} and I agreed to move forward with the lease. I never talked to either of them about a down payment. I only talked about the down payment when I reached finance. I then paid {$10000.00} for a down payment. The cost of the vehicle out the door excluding dmv fees, taxes, and the warranties I bought should have been {$40000.00} TOTAL. At no point during the leasing process was I given the opportunity to review the lease contract. I was simply told where to sign and trusted the dealership to honor our verbal agreement. However, when I attempted to buy out the lease after 3 months, I discovered that the payoff amount was significantly higher than what I was led to believe. I have met with XXXX XXXX, XXXX XXXX, and XXXX XXXX, the General Manager. They are unable to provide any satisfactory explanation or resolution to my concerns. I firmly believe that I was misled by the dealership regarding the cost of the vehicle, both during the leasing process and in my subsequent attempts to purchase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because XXXX  is reporting multiple inaccurate and unauthorized items on my credit report. I have attempted to dispute these items, but the errors remain. I request your assistance in investigating and correcting these inaccurate entries in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is also incorrect and has no connection to me. Please delete this address from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have never resided at this address. Its presence on my report suggests a file-mix or reporting error. Remove it immediately. 
XXXX Account XXXX XXXX XXXX  High Balance : {$170000.00} Date Opened : XX/XX/XXXX The late payment history being reported is incorrect and not accurate. I have never been late on this account. Please correct the payment history accordingly. 
XXXX Account XXXX  XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX The late payment reporting is false. I am requesting that you update the history to reflect on-time payments, as I never made late payments on this account. 
XXXX XXXX Account XXXX XXXXXXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX I have no knowledge of this account and have never received any documentation validating this debt. Please delete this collection from my report for failure to provide verification. 
XXXX XXXX Date : XX/XX/XXXX I did not apply for credit with this lender. Please delete this unauthorized inquiry. 
REQUEST FOR CFPB ACTION I am requesting that the CFPB : XXXX. Investigate these inaccurate address entries XXXX Review the false late payment reporting XXXX. Investigate the collection account that lacks validation XXXX. Remove all unauthorized hard inquiries XXXX. Ensure XXXX  complies with FCRA accuracy and correction requirements These incorrect entries are causing serious harm to my creditworthiness and must be handled urgently. 
Thank you for reviewing my complaint. I appreciate your assistance in ensuring that my credit file is accurate and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
I am filing this complaint because the repossession/charge-off accounts being reported by Exeter Finance LLC and XXXX XXXX XXXX  are inaccurate , unverified, and legally unauthorized, and I am demanding immediate deletion from my credit reports. These accounts violate the FCRA, including 15 U.S.C. 1681, 1681e ( b ) for failing to use reasonable procedures, 1681i for failing to properly reinvestigate, and 1681s-2 ( b ) for failing to verify all information furnished. They also violate the FDCPA, including 15 U.S.C. 1692, 1692e, 1692f, 1692g, and 1662 because neither creditor provided proper validation or accurate documentation of the balance, deficiency amount, or repossession details. These accounts additionally violate the Truth in Lending Act, including 15 U.S.C. 1635, 1635 ( f ), 1635 ( b ), 1605, 1640, and 1644, due to incomplete, inaccurate, or unverified finance disclosures required during the credit transaction. The repossessions violate UCC 9-609 because both companies failed to prove the repossessions were lawful, peaceful, properly noticed, or conducted in a commercially reasonable manner. They also violate FTC XXXX XXXX ( Holder Rule ) because required consumer protections were not followed. If any portion of these debts were canceled, written off, forgiven, or discharged, IRS Form XXXX should have been issued, and if a XXXX applies, the accounts can not continue to be reported, collected, or shown with a balance. These accounts were also sold, assigned, or transferred to third parties, making Exeter and XXXX unable to verify ownership, the balance, the repossession, or the accuracy of the tradeline as required under federal law. Because these furnishers failed to validate the debt, failed to prove lawful repossession, failed to provide required notices, failed to verify balances, failed to follow TILA, failed to meet FCRA standards, and violated FDCPA regulations, I am requesting CFPB enforcement and demanding permanent deletion of both accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Made additional payments to Synchrony PayPal Credit - concurrent with payments spoke with representative about allocating payments to interest-free promotion that was expiring the soonest ( XX/XX/year> ). Made more than {$1000.00} extra payments that were not properly allocated. Was told multiple times that the allocation process could take up to 60 days, after calling back then I was told that after XXXX  days they could do nothing about it. Now it has been escalated to a XXXX who has referred it to a promotional team for another XXXX  day review which takes me XXXX the promotional end date.

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 2025-11-17 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: CT

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. During the months of XXXX, XXXX, and of XXXX, the account was reported as past due. This reporting is incorrect. The balance on this account has since been fully paid, and I am requesting that the credit reporting agencies update the status to reflect that the account is paid. 

The inaccurate reporting is negatively affecting my credit profile, and I am requesting that the CFPB assist in ensuring XXXX XXXX  XXXX this information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial 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 2025-11-17 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: CA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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