vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Service International Corp
State: GA

Complaint narrative:
This is a follow-up complaint regarding Credit Service International Corp XXXX XXXX ) and its continued reporting of inaccurate, conflicting, and unverifiable information across multiple consumer reporting agencies. Despite prior disputes and reinvestigation requests, XXXX continues to report materially inconsistent information related to the same alleged medical collection account, causing ongoing consumer harm. 
Background of the Alleged Debt : The medical bill at issue stems from injuries sustained in a motor vehicle incident caused by a roadway defect. I struck a pothole, which resulted in an accident ( total loss vehicle ) and subsequent medical treatment. Legal counsel ( XXXX XXXX XXXX ) was retained, and a claim was pursued against the responsible city entity. The city denied liability, and the claim did not result in recovery. As such, this matter involves disputed third-party liability related to an accident claimnot a straightforward consumer medical debt. 

Conflicting and Inaccurate Reporting Includes : XXXX Inconsistent identification of the original creditor across consumer reports ( XXXX listed as original creditor on one report while XXXX XXXX XXXX XXXX is listed on another ) 2 Reporting the account as both open and placed for collection 3 Submission of a billing invoice alone, which does not constitute verification of a debt 4 Failure to provide itemized medical billing or proof of services rendered 5 Failure to disclose the Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) 6 Continued reporting during an active dispute and reinvestigation 7 Failure to identify the individual or department that verified the account 8 Failure to provide documentation establishing legal authority to collect or report 9 Failure to consider the disputed liability nature of an accident-related medical claim Clarification Regarding Verification : The mere submission of a billing statement or invoice does not satisfy the requirements of a reasonable investigation or verification under the Fair Credit Reporting Act. Verification requires competent evidence demonstrating the validity, ownership, accuracy, and legal enforceability of the alleged debtparticularly where the underlying obligation arose from a disputed accident-related claim. 

Legal Basis : These actions constitute violations of the Fair Credit Reporting Act, including but not limited to : 15U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation. 

This complaint is submitted for CFPB review and enforcement. Continued reporting of conflictinginformation after notice constitutes willful noncompliance. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I made a XXXX  account recently because XXXX XXXX was offering a promotion where if you deposit {$500.00} via XXXX  you get 10 % of your deposit in bonus funds. I deposited {$500.00} to my XXXX  account via my debit card and tried to put it on my XXXX account but it wouldnt work, so I tried to add another bank account of mine. Immediately after, they suspended my account without telling what I did wrong. I contacted them and they told me they wouldnt divulge what I did wrong but they were going to permanently close my account with the {$500.00} balance in there. They told me IF I can get my money back, Ill have to wait 180 days. This is unacceptable and predatory on their part as I did nothing illegal or shady. I need the money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

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 XXXX692e ( 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 2025-12-26 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: CT

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 2025-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-26 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this as a new CFPB complaint and escalation related to prior CFPB Complaint ID XXXX, which is now closed. This complaint concerns unlawful post-judgment collection activity, specifically the recording of a writ of fieri facias ( fi. fa. ) / property lien against my property based on a debt-collection lawsuit that involved false or unsubstantiated claims and unresolved disputes. 

Timeline summary : XX/XX/XXXX : A claim notice and summons was filed on behalf of Midland Credit Management XXXX XXXX, as alleged assignee of XXXX XXXX Bank, XXXX. 

XX/XX/XXXX : I was personally served. 

XX/XX/XXXX : I filed an Answer and a Counterclaim for {$1500.00}, disputing the debt and alleging falsified claims and lack of standing. 

XX/XX/XXXX : I filed a Motion to Dismiss with Prejudice for falsified claims and lack of proper documentation. 

XX/XX/XXXX : Trial occurred. My motion and counterclaim were acknowledged but not substantively addressed. Judgment was entered for the plaintiff, and my counterclaim was denied. 

XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX filed an Affidavit and Request for Writ of Fieri Facias, despite ongoing disputes and unresolved documentation issues. 

XX/XX/XXXX : A fi. fa. / property lien was recorded against my property. 

Basis of my complaint : The debt collector and its law firm proceeded with post-judgment lien enforcement without providing sufficient, admissible proof of ownership, standing, or accurate accounting of the alleged debt. 

The collectors CFPB response acknowledged discrepancies and stated that investigation into the law firms conduct was ongoing, yet lien activity continued while that investigation was unresolved. 

The collector referenced a {$100.00} payment that I dispute and for which no proof has been provided. 

The company requested credit reporting agencies to cease reflecting the collection tradeline, yet simultaneously allowed or directed its law firm to escalate enforcement through a recorded lien, which is contradictory and misleading. 

Post-judgment documents were mailed in a manner I believe was improper and intimidating, including court-related filings sent to my home while disputes were pending. 

The filing and recording of the fi. fa. has caused financial harm, emotional distress, and risk to my property rights, despite unresolved questions about the debts validity and the collectors compliance with consumer protection laws. 

I believe this conduct constitutes unfair, deceptive, or abusive acts or practices, including false or unsubstantiated representations, abuse of legal process, and improper escalation to property lien enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been under an American Express financial review for several months. During this time I have continued paying my annual fee and related costs, yet my account remains unusable. 

I have repeatedly contacted customer service and have received no clear timeline, no resolution, and no meaningful explanation. 

This prolonged restriction has caused financial harm and effectively denies me access to a product I am actively paying for. I am requesting immediate resolution, restoration of account access, and reimbursement of fees for the period during which my account was unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint regarding a significant credit limit reduction on my Mattress Firm credit card account issued by Synchrony Bank, despite a perfect payment history and no missed or late payments on this account. 

The credit limit reduction occurred suddenly and without a clear, specific explanation. Based on the timing, it appears the decision may have been influenced by information in my credit report related to a mortgage servicing issue that is currently under dispute and subject to an active CFPB complaint. That mortgage matter involves a completed loan modification application under review, and no verified delinquency has been finalized. 

I was not provided meaningful detail regarding the factors relied upon for this adverse action, nor given an opportunity to address or correct the information used. This reduction caused financial harm by increasing my credit utilization and limiting access to available credit, despite my positive history with Synchrony Bank. 

I am requesting a full review of the credit limit reduction decision and written clarification of the specific factors relied upon, including whether disputed or pending mortgage information was used.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
I have a debt collection notice in the amount of {$1200.00} from Debt Collection agency ARS National Services Inc. This is from original creditor XXXX who owns the XXXX XXXX credit card. 
I have been a victim of identity theft and it has been documented with XXXX that I did not incur this total balance. 
After my portion of this balance had been paid in full, my account was fraudulently accessed and I was not made aware until it had been closed and sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX, inquired on XXXX, XXXX, XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX XXXX XXXX  XXXX, inquired on XX/XX/XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX  XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX, inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions!

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