vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: MA

Complaint narrative:
SST has failed to provide accurate validation, continues to report inconsistent account balances, and is providing contradictory and misleading information in violation of federal and Massachusetts law.

Despite multiple written requests and a formal XXXX  XXXX demand letter, SST has : 1.Provided an incomplete and inadequate validation package that does NOT explain how payments were applied, justify the high payoff amount, or reconcile discrepancies in balance.

2.Reported inconsistent account balances, including : a current balance around {$4500.00}, but a payoff balance over {$4700.00}, and unexplained daily interest far higher than allowed by the agreement. 
3.Failed to account for payment discrepancies, including : multiple payments totaling {$400.00}, but the balance only decreasing by {$63.00}, with no explanation for where the remaining funds went. 
This raises concerns about phantom interest, improper fee application, or inaccurate ledger practices. 
4.Ignored my updated mailing address and continued sending notices to an outdated address. 
5.Cited incorrect interpretations of FDCPA exemptions, claiming they are not a debt collector, despite engaging in collection-adjacent activities and communicating after disputes were raised.

6.Provided misleading regulatory information, implying that being licensed as a loan servicer automatically exempts them from debt collection requirementsthis is not correct under Massachusetts law .

7.Failed to correct or explain credit reporting, despite my dispute being submitted with evidence.

8.Sent a formal 93A response denying all wrongdoing, but did not cure any violations, correct inaccuracies, or provide the required accounting.

Because of SSTs failures and conflicting information, I can not verify whether the amount they claim is actually owed, and my credit has been negatively impacted.

I am requesting that the CFPB require SST to : Provide proper validation as required by law Correct or delete inaccurate credit reporting Provide a complete accounting that reconciles all payments, interest, and fees Explain their calculation of daily interest and payoff figures Address the regulatory issues raised in my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX for inaccurately reporting information about my account to the credit bureaus, despite the account being paid in full. 
Summary of the Issue I fully satisfied my balance with XXXX ; however, their reporting to the credit bureaus continues to show inaccurate and negative information. This is incorrect, misleading, and has caused harm to my credit profile. 
My Rights Under the FCRA Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information and to promptly correct or update any information they discover to be incomplete or inaccurate. 
XXXX has failed to meet these obligations. 
Requested Resolution I am requesting that the CFPB investigate XX/XX/XXXX inaccurate reporting and take action to ensure that : XXXX corrects all inaccurate information they have furnished to Equifax, XX/XX/XXXX, and XX/XX/XXXX 
Any negative or incorrect entries related to this paid account are removed or updated to accurately reflect that the account is paid in full and not delinquent in any way. 
XXXX provides written confirmation that the corrections have been completed. 
I have attached documents supporting my claim, including proof of payment and my recent credit reports showing the inaccurate reporting. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I disputed multiple accounts on my credit report withXX/XX/XXXX and TransUnion, requesting full verification and supporting documentation for each account, including the Method of Verification, source of the information, and the name of the individual or system certifying accuracy, as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ).

Despite my formal disputes, the bureaus failed to provide any verification or supporting documentation. They either closed my disputes without investigation or relied solely on automated responses from furnishers, which does not meet the standard of a reasonable reinvestigation under FCRA 611 ( a ).

As a result, inaccurate and unverified accounts continue to report on my credit file, harming my credit score and financial opportunities. I am requesting that the CFPB require the bureaus to fully verify the accounts or delete them if they can not be verified.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered three pieces of incorrect personal information on my credit report : two previous addresses and an employer entry that do not belong to me. Additionally, there were numerous unauthorized hard inquiries and fraudulent accounts from various creditors, dated between XX/XX/XXXX, and XX/XX/XXXX, which I did not initiate or authorize. These included inquiries and accounts from entities such as XXXX XXXX XX/XX/XXXX( including for XXXXXX/XX/XXXXand XXXX XXXX ), XX/XX/XXXX ( multiple instances, some with account numbers ), XXXXXX/XX/XXXX multiple instances XX/XX/XXXX XXXX multiple instances ) XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX( with account number XXXX XXXX XX/XX/XXXX ( multiple instances with account numbers ), and XXXX XXXX XXXX ( with account number ). On XX/XX/XXXX, I sent a written dispute to the credit reporting agency, requesting immediate removal of these fraudulent items under relevant FCRA provisions, including requirements for accuracy, reasonable investigations, and deletion of disputed information. To date, the agency has not confirmed removal or provided any response, and the items appear to remain on the report, potentially violating consumer protection laws. No amounts were specified in the disputes, as these were inquiries and accounts without balance details provided.

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 2025-11-24 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: TX

Complaint narrative:
XX/XX/XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and hereby request full validation of the same.

Because this matter directly impacts my credit history, I am
requesting the following documentation : Proof of responsibility for the debt\n A copy of the original signed agreement or any document that confirms my legal obligation with the original creditor.\n Details of the amount owed\n A detailed breakdown of all charges, includi
ng interest, additional fees, and payments made.\n A copy of the last billing statement issued by the original creditor.\n The exact balance owed at the time of transfer and any subsequent charges applied.\n Information about the original creditor\n Full name and address of the original creditor.\n Original account number.\n The date the debt was transferred and the entity that acquired it.\n Proof of authority to collect this debt\n Documentation proving your agency is legally authorized to collect this debt.\n A copy of your debt collection license in my state, including license number and issuing regulatory authority.\n Additional requested information\n The original due date of the debt and the date it was first considered delinquent.\n Confirmation that the debt remains within the applicable statute of limitations.\n Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation, I request that this debt be removed from my credit report. Reporting inaccurate or unvalidated information may constitute a violation of the FCRA, and I reserve the right to pursue all appropriate legal remedies.

If adequate validation is not provided within the legally required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal authorities. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
PayPal opened on XX/XX/25 a new XXXX credit card account without my knowledge and did the whole application process not even asking once about that. When I got an email from PayPal that new card is been mailed to me, I was shocked and promptly called credit card department at PayPal. After I explained why I am calling in, they directed me to Synchrony Bank who actually issued the card. In conversation with banker, we found out that card is been linked with someone else Social Security Number and Birthday, not mine. I asked banker to cancel that account and card, but he said that he can not because card is associated with different SSN than mine and only that person can call in and request such action. He recommended to call XX/XX/XXXX agency and report this and I did it. I was told by XX/XX/XXXXto report this to XXXX and provide them later with my credentials and with a copy of your answer to my complaint.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sezzle Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Sezzle for inaccurately reporting information about my account to the credit bureaus, despite the account being paid in full. 
Summary of the Issue I fully satisfied my balance with Sezzle ; however, their reporting to the credit bureaus continues to show inaccurate and negative information. This is incorrect, misleading, and has caused harm to my credit profile. 
My Rights Under the FCRA Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information and to promptly correct or update any information they discover to be incomplete or inaccurate. 
Sezzle has failed to meet these obligations. 
Requested Resolution I am requesting that the CFPB investigate Sezzles inaccurate reporting and take action to ensure that : Sezzle corrects all inaccurate information they have furnished toXX/XX/XXXXandXX/XX/XXXX 
Any negative or incorrect entries related to this paid account are removed or updated to accurately reflect that the account is paid in full and not delinquent in any way. 
Sezzle provides written confirmation that the corrections have been completed. 
I have attached documents supporting my claim, including proof of payment and my recent credit reports showing the inaccurate reporting. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Made two purchases on XXXX and paid via PayPal that was linked with a XXXX credit card. XXXX then charged two transaction fees of {$10.00} each ( {$20.00} total ). They state that is because the merchant, XXXX or XXXX, had coded the transactions as cash advances. PayPal and XXXX state that this is not the case. Because they are being coded as cash advances with XXXXXX/XX/XXXX however, these fees also have daily interest accruing. XXXXXX/XX/XXXX PayPal and XXXX are all stating they are not at fault and no one will provide proper reimbursement of these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
I closed a property in XXXX XXXX 
The contracts said it was going to be {$3500.00} and no escrow. 
After the second month, I got a charge under other on my statement. At first tjey told me it was because of unpaid taxes during the closing. Then they told me the lender ( owner of the house through owner finance ) was holding escrow which was another {$1000.00} monthly. 
They asked me to look for an insurance company but on their escrow Im paying for the previous owners insurance. 

My monthly payment has been {$4600.00} instead of {$3500.00}. 

I now received a new Escrow Review Statement dated XX/XX/year> showing a new monthly payment of {$4700.00}, including an escrow charge of {$1200.00}. 

This notice was formally disputed. I havent heard from August REI ( which is the company taking care of the loan ). 

Under the executed XXXX XXXX XXXX for this property, the parties selected the option stating that no escrow account would be established, and that the borrower would be responsible for taxes and insurance directly. 
The underlying loan already includes escrow for taxes and insurance, which are current and PAID by the original lender. 

Because escrow was not agreed to and is not authorized under the contract, any addition of escrow charges, force-placed insurance, or payment increases is unauthorized and is not permitted under the loan documents or Texas Law .

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WA

Complaint narrative:
I was notified by a collection agency that there is a payday loan that was taken out in my name at XXXX XXXX XXXX Unfortunately, I have not received a payday loan from this bank. The debt is under XXXX XXXX in the amount of {$350.00} dollars. There were two payments made in the amount of {$50.00}. There also a paid off loan in XXXX with XXXXXXXX XXXX. This information was located in my IRS transcript. This is Identify fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Crown Asset Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received about an alleged debt. This letter is not a refusal to pay, but a notice that your claim is being disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of the alleged debt. 

Please provide the following : Proof that I am the person who owes the debt, including the original creditors name and address. 

The amount of the alleged debt, including a full itemized breakdown of fees, interest, and other charges. 

A copy of the original signed contract or agreement that verifies my obligation. 

Proof that your company is legally authorized to collect debts in my state. 

Complete documentation showing the chain of ownership of this debt if it has been sold or transferred. 

Until you provide these documents, please cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, please mark the account as disputed until validation is complete. 

Please send the requested information to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: MA

Complaint narrative:
I have a good idea its from a case in XX/XX/XXXXbut I requested proper documentation from the courts several times up there and never got it mailed to me and now allianceone is trying to collect the debt with a fee I was not properly notified nor received proper documentation for this matter before I received the debt in the mail by law it is illegal to have a debt agency attempt to put this on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Credit Corp Solutions INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of an alleged debt reported under my name, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1.The amount of the alleged debt ; 2.The name of the original creditor ; 3.A copy of the original contract or lease agreement bearing my signature ( if applicable ) ; 4.A full itemized accounting of the charges and fees claimed ; 5.Proof that you are legally authorized to collect this debt in my state ; 6.Proof that I owe this debt and that it is accurate and enforceable. 

Until you provide proper validation of this debt, please cease all collection activities and do not report this to any credit reporting agency, or if already reported, remove it until verification is complete. 

If you can not validate the debt, you are required to stop collection efforts and delete any related tradelines from my credit report per the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Do not contact me again unless it is with full documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am sending to dispute inaccurate reporting on two accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$11000.00}

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 2025-11-24 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: NC

Complaint narrative:
I am sending to dispute inaccurate reporting on two accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, 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 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

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