vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINCL XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX Opened XX/XX/year> Its states the remarks are profit and loss write off. 
This is not my auto loan. I have never signed any paperwork for this auto loan to agree to be a joint responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Re : FORMAL DISPUTE Demand for Full Verification or Deletion Under FCRA To Whom It May Concern, I am formally disputing all negative, inaccurate, incomplete, outdated, or unverifiable items currently reporting on my credit file. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify every single account with original documentation, not automated eOSCAR responses.

For each negative item, I am demanding : The original signed contract/agreement Full payment history Proof of ownership or assignment of the debt Method of verification Identity of the verifier Proof of full FCRA 607 ( b ), 611, and 609 compliance If ANY item can not be verified with original documentation, it must be immediately deleted from my credit file.

I am disputing ALL negative items, including but not limited to : Collections Charge-offs Late payments Repossessions Incorrect balances or dates Hard inquiries Any item that is inaccurate or unverifiable Please initiate a full reinvestigation and provide written results within 30 days as required by law. If you fail to comply, I will file complaints with the CFPB, FTC, and State Attorney General.

Attached are copies of my identification and proof of address. Do not hesitate to contact me if additional information is needed.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX * balance {$3500.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} -Reported in XXXX bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$14000.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$33.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX * XXXX XXXX XXXX balance {$1400.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1300.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$700.00} -Reported in XXXX bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$1400.00} Only reported in EX and TU XXXX XXXX XXXXReported in EX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Reported in EX XXXX XX/XX/XXXX reported in EQ XXXX XXXX  XX/XX/XXXX reported in EQ XXXX XX/XX/XXXX Only reported in TU XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Only reported in TU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning multiple inaccuracies on my credit report. After reviewing the results of the prior investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continuing discrepancies materially misrepresent my credit history and create an incomplete and misleading depiction of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXBalance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX  XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning multiple inaccuracies on my credit report. After reviewing the results of the prior investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continuing discrepancies materially misrepresent my credit history and create an incomplete and misleading depiction of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXBalance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX  XXXX XXXX XXXX : {$0.00}

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 2025-12-01 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: NC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$830.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I opened a credit account through XXXX XXXX, a division of XXXX XXXXXXXX XXXX Leafy Financial LLC later purchased the account on XX/XX/XXXX. My last payment on the account was {$190.00} on XX/XX/XXXX. 

Recently, I contacted Leafy Financial LLC to request information about resolving the balance and inquired about a possible pay-for-delete arrangement or written confirmation of any settlement terms. Instead of providing clear resolution options, the company informed me that the account had been referred for litigation, even though I had not previously received any notice of legal action, intent to sue, or validation of the amount owed. 

I also asked for documentation regarding the debt, payment options, or written confirmation of any settlement or resolution terms. The company refused to provide any written information, stating that they do not issue written confirmation or agreements prior to payment. They also refused to provide any documentation on company letterhead, citing compliance policies, which prevents me from verifying the legitimacy and accuracy of the debt or any settlement terms. 

They stated that the outstanding balance is {$3700.00}, but I have not received verification documents or itemized accounting of the balance, fees, or how this amount was calculated. 

What I believe is wrong : The company is refusing to provide a written validation of the debt. 

The company is refusing to provide written settlement terms or payment options. 

The company referenced litigation without previously sending notice, validation, or an opportunity to resolve the matter. 

Their refusal to provide documentation prevents me from knowing the accuracy of the amount and violates my right to clear communication. 

What I am requesting : A full validation of the debt, including an itemized breakdown. 

Written confirmation of any settlement options or payment arrangements. 

Clarification on whether legal action has actually been filed. 

An investigation into the companys communication practices and refusal to provide written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/year> I received an email stating that my funds have been seized due to suspicious activity. I called them to see exactly what was going on the person I spoke with told me that it is under investigation and a it would be the next business day. I called again the next business day and was told it would remain under investigation until the deadline of the XXXX of XX/XX/year>. I tried to get information on what they meant by suspicious activity since all I was doing was paying my bills although it should be no business of theirs what I decide to use my money for. I have called 2 times since then to no avail. Sofi has just kept giving me the run around and I really need MY money back that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: KS

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
CFPB Follow-Up Response Final Demand Client : XXXXXXXX XXXX XXXX ( North Carolina ) Portfolio Recovery Associates Account Ending XXXX Settlement Demand : {$20000.00} + Full Deletion This consumer resides in North Carolina , and Portfolio Recovery Associates ( PRA ) continues to violate both state and federal law, including : FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation FCRA 1681e ( b ) Furnishing conflicting/inaccurate information FCRA 1681i Failure to delete unverifiable reporting FDCPA 1692e, 1692f, 1692g ( b ) Continuing collection without validation And North Carolina law, including : N.C. Gen. Stat. 75-54, 75-55, 75-56 Unfair and false collection practices N.C. Gen. Stat. 75-1.1 Unfair and deceptive trade practices PRA claims to have purchased this alleged debt from XXXX XXXX, yet consumer credit reports show XXXX XXXX as the original creditor. PRA has provided : No chain of title No contract of assignment No proof of ownership No signed agreement This information is inaccurate, unverifiable, and misleading.

I have already filed arbitration. PRA can avoid escalating liability by : Paying {$20000.00} in damages Permanently deleting the account from XXXX XXXX XXXX XXXX Ceasing all future reporting and collection If PRA continues to verify or collect without proper validation : Damages will be tripled under North Carolina law Punitive and statutory damages will increase Additional claims will be added in arbitration This is the final opportunity to cure before full enforcement in arbitration proceeds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC
State: HI

Complaint narrative:
In XX/XX/year>, I was pressured by a door-to-door XXXX salesman into signing for a vacuum purchase. I was a single mother alone at home, and the salesman stayed in my house until almost XXXX PM. He repeatedly pressured me, saying he needed the sale to win a trip to XXXX, and even asked if I wanted to go with him. I was told I had 30 days to cancel, but later learned it was only 3 days, so I became stuck with a contract signed under pressure. My home only had carpet on the stairs, showing I had no real need for the product. 

I contacted XXXX in XX/XX/year>, but they said they could not help because it was a door-to-door seller under a reseller company. 

Credit reporting issue : My Preferred Credit account has been closed for nearly 2 years, yet they continue reporting a charge-off with a balance, even though the account is marked as profit and loss writeoff under TransUnion, the comments specifically show profit and loss, which calls into question whether the debt was actually forgiven, canceled, or inaccurately updated.

Also, due to Preferred Credits data breach, I do not trust the security or integrity of their handling of my personal information, and I am requesting complete disconnection and removal of my data from all active reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Currently, I have no other recourse but to file an Identity Theft claim. One of my daughters has stolen my personal information and used it to obtain at least XXXX credit cards from at least XXXX financial institutions. One of these accounts was recently sold off to a third-party debt buyer. I am a XXXX retired person that can not take the shame I feel in dealing with such an awful situation. Accordingly, I am filing this identity claim with the Federal Trade Commission, and under my rights from the Fair and Accurate Credit Transaction Act as well as the Fair Debt Collection Practices Act, I hereby make this demand for removal of these collections on my personal credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance {$520.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XXXX and XX/XX/XXXX lates 30 days XXXX XXXX Balance - Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance {$520.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XXXX and XX/XX/XXXX lates 30 days XXXX XXXX Balance - Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$1900.00}

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 2025-12-01 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: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
I am writing to dispute several fraudulent accounts and inaccurate information currently appearing on my credit report. These accounts were not opened by me, nor did I authorize anyone to open accounts in my name. Therefore, I am requesting an immediate investigation and deletion of all fraudulent information under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation