vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
This medical collection from Specialized Collection Services is being reported inaccurately. The account does not include a Date of First Delinquency ( DOFD ), which is required under FCRA Section 623 ( a ) ( 5 ). Medical debt can not be furnished to a credit bureau until 1 year after the DOFD under current CFPB medical debt reporting rules. Because the DOFD is missing, the furnisher can not properly verify or report this collection. The reporting is incomplete, noncompliant, and misleading. I am requesting deletion of this collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
Debt XXXX are reporting debts that are not verified, inaccurate, and legally disputed. XXXX XXXX illegally garnished my wages without prior written notice or proper validation. They never provided proof of ownership, an original signed contract, or any court summons served to me before taking legal action. They continue reporting disputed information to credit bureaus, violating FDCPA 807 & 809 ( b ), and FCRA 607 ( b ) & 611. I am requesting investigation, full reversal and refund of wage garnishment, and removal of all unverified accounts from my credit reports. 

CFPB COMPLAINT STATEMENT WAGE GARNISHMENT + UNVERIFIED DEBTS I am filing an official complaint against multiple debt collectors for unverified debt collection, false reporting, and illegal wage garnishment. 

ILLEGAL GARNISHMENT XXXX XXXX XXXX XXXX XXXX XXXX garnished 10 % of my paycheck without : Proper legal notice Proof of debt ownership Judgment paperwork being served Contract with my signature Itemized breakdown of any amount they claim This violates : FDCPA 807 ( 2 ) ( A ) false representation of legal status FDCPA 809 ( b ) continued collection without validation FCRA 607 ( b ) & 611 failure to report accurate/verifiable data DEBTS IN DISPUTE + REPORTING INACCURACIES Other companies reporting false, duplicated, incorrect, unvalidated, and re-aged debt include : Sunrise Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Secure XXXX Insurance debt ) Contract Callers XXXX & XXXX ( Utility debt ) Credit XXXX XXXX XXXX XXXX XXXX account ) XXXX XXXX XXXX XXXX XXXX cards XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX cards XXXX Funding multiple purchased debts These furnishers continue updating and collecting despite being notified the accounts are disputed which is illegal. 

Requested Resolution I request the CFPB ensure : 1 Investigation into all accounts listed 2 Reversal & suspension of garnishment immediately 3 Required validation of all alleged debts before any action 4 Removal of all unverifiable debts from my credit reports 5 Confirmation that all collectors comply with federal law Signature XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-10 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: NY

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I was trying to to purchase a car and realized that I had damages on my report according to the 15 U.S.C 1681 there shouldnt be any damages on my report its a defamation to my character

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 2025-12-10 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: TX

Complaint narrative:
I was trying to to purchase a car and realized that I had damages on my report according to the 15 U.S.C 1681 there shouldnt be any damages on my report its a defamation to my character

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been locked out of my Equifax account for months. I have made numerous phone calls, both using the automated system, and speaking to a live representative. 

My most recent call was yesterday, XX/XX/year>, in another attempt to get my account unlocked. The representative advised me that my freeze would be temporarily lifted until XX/XX/year>, which never happened. Also, she advised me that my account would be unlocked, which also did not happen. 

All I want is to remove the freeze and keep the freeze off of Equifax forever. They are impossible to work with and are a terrible company. I can not understand how they are able to operate in their current capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Additional evidence for reporting past 30 days but payments were made before the 30 days. Ongoing case : XXXX XX/XX/year> payment was made and reported late XX/XX/year> payment was made and reported late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX is the card issuer and the merchant in question is XXXX XXXX. I placed an order through a webpage for an initial order for XXXX. I never received any confirmation for this order and was only charged through XXXX. 2 months later, same company cited some terms and condition verbiage and charged XXXX. I never even accessed the initial subscription yet alone this renewal. I promptly reached out to company day after renewal asking what this is for and requested to cancel/ refund. Company is now refusing to refund and cancel. Opened a dispute with XXXX as the their XXXX was used and they are keeping this case vague and declined to help. This is purely fraud.

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 2025-12-10 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: MA

Complaint narrative:
Tesla has failed to refund the property tax it overcharged me for lease buyout. I requested the refund and sent all the details and supporting documents to Tesla on XXXX XXXX XXXX Below are the email I sent to Tesla. It has been over 12 weeks since my request and numerous email/phone inquires. This appears to be a fraudulent tax practice by Tesla. Please investigate. Thank you! 
================================================================= Date : Wed, XX/XX/2025 at XXXX Subject : Re : Massachusetts property tax refund [ refid : XXXX ] To : XXXX XXXX XXXX Hi XXXX XXXX Thank you for getting back to me. I just sent a follow-up email today with all the details. So I'm putting everything in this email thread to simplify tracking as it has a refid now. 

The license plate was canceled on XX/XX/2025 and the cancellation receipt is attached. 

I'm writing to formally request the property tax refund from Tesla. Please see the details below.

Tesla charged me {$1000.00} property tax for lease buyout ( Bill of Sale attached ) on XX/XX/2025. I was told it was an estimate of the local tax and Tesla will refund me based on the actual local tax later. 
I contacted my local assessor 's office and confirmed the local tax ( excise tax ) is only {$380.00}. Because the leased car registration XXXX was cancelled on XX/XX/2025, they are sending a tax refund check of {$270.00} to Tesla. So in total Tesla paid {$100.00} local tax ( {$380.00} - {$270.00} ). The local tax receipt is attached. 
Therefore, I'm requesting a tax refund of {$920.00} from Tesla ( {$1000.00} - {$100.00} ). 
I have attached all the necessary documents for this request. Please let me know if any additional information is required. I appreciate your prompt response and assistance in processing the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
b'To Whom It May Concern:\n\nI am submitting this formal complaint regarding Absolute Resolutions Investments (Absolute Resolutions INV) and their failure to validate a debt they are reporting.\n\nOn XXXX XXXX XXXX I submitted a written dispute and request for validation of the alleged debt associated with Account #XXXX As of today, I have not received any documentation or proof from Absolute Resolutions INV that verifies this account or my responsibility for it.\n\nInstead, on XXXX XXXX XXXX XXXX received an email stating that the account will remain on my credit report. This is improper, as the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) require that disputed accounts be verified before they can continue to be reported.\n\nBecause the collector has failed to provide validation, I am requesting that the CFPB investigate this matter and require the immediate removal of this account from my credit report.\n\nI am including the following with my complaint (if applicable):\n\nCopy of my dispute letter dated 1XXXXEmail response indicating the account will remain without validation\n\nThank you for your attention to this matter. Please contact me if additional information is needed.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
My Cash App account was illegally accessed and taken over. On XXXX same day as the unauthorized {$750.00} transactions XXXX XXXX notified me that : A new email address that I do not recognize ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was added to my account. 
My phone number ending in XXXX was removed from my account. 
I have attached screenshots confirming these changes. These changes were not made by me, and they demonstrate clear account takeover fraud. 

{$750.00} transaction ( s ) was not authorized by me, and the evidence clearly shows my Cash App account was compromised by a third party. The hacker took full control of my account, changed my login information, and initiated transactions without my permission. I did not receive, authorize, or benefit from this charge in any way. I did not authorize, receive, or benefit from this transaction in any way. Cash Apps refusal to refund the fraudulent charge has left me financially responsible for activity that occurred only because my account was compromised by an outside party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This complaint concerns Capital Ones XXXX XXXX XXXXXX/XX/year> written response, which contains new information and raises new FCRA violations. In their response, Capital One admits the account ending in XXXX was opened online, but they still can not provide any of the authentication records required to verify account ownership. They provided no application, no IP address, no device or browser information, no SMS or email verification logs, and no fraud-investigation documentation. 

Instead, Capital One stated that certain public records were linked to my identity. Public-record linking does not constitute authentication or proof that I opened or authorized the account. FCRA requires furnishers to conduct a reasonable investigation and verify disputed information using the records relied upon at account opening. Capital Ones response confirms that it does not possess such records.

Capital One also contradicts previous statements. In prior communications, they stated they could not provide a signed application. In the December 9 letter, they again fail to provide any documentation supporting account ownership, yet still refuse to delete the account.

This constitutes a failure to comply with FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 611 ( a ), and 1681g ( e ). Capital One continues to furnish information that it can not verify and refuses to provide legally required fraud documentation. Their XX/XX/XXXX response demonstrates that the account is unverifiable and that the companys investigation was not reasonable under the FCRA. I am requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Kikoff Inc.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-10 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: VA

Complaint narrative:
XXXX XXXX XXXX sold my debt to a collection agency which is violation of XXXX. 
being in XXXX of security by the XXXX  and XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  This is a breach in contract and negligence. Unauthorized disclosure to XXXX  XXXX  with out proof of bill of sale, transfer agreement, flow agreement, original contract by signature

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 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Request for Debt Validation & Cease Reporting Until Verified To Whom It May Concern, This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). This is a formal request for full validation of the alleged debt you claim I owe and are reporting to the credit bureaus. 

You are required by federal law to cease all collection activity and stop reporting this account to XXXX XXXX XXXX XXXX until proper validation is provided. 


-- - REQUIRED VALIDATION DOCUMENTS Please provide the following original documentation, not summaries or screenshots : XXXX. A copy of the original signed contract or application bearing my signature XXXX. A complete itemized accounting and payment history XXXX. Proof that you have legal ownership or have been assigned the debt XXXX. Full chain of title, from the original creditor to every debt buyer XXXX. Proof you are licensed to collect in my state ( if required ) XXXX. The exact Date of First Delinquency ( DOFD ) from the original creditor XXXX. A copy of the initial dunning notice, as required under FDCPA If you can not provide all documentation listed above, you must : Immediately delete the account from all credit bureaus Cease all collection attempts Refrain from selling or transferring the debt -- - NOTICE OF FEDERAL VIOLATIONS Please be advised : Reporting a debt without validation violates FDCPA 807 ( 8 ) and 809 ( b ) Continuing collection without validation is a violation of FDCPA 813 Furnishing inaccurate or unverified information violates FCRA 623 ( a ) ( 1 ) ( A ) I will not hesitate to file complaints with the CFPB, FTC, State Attorney General, and take further action if necessary. 


-- - REQUIRED RESPONSE TIME This request requires your response within XXXX  days. 
If you fail to respond, the debt is assumed not valid and must be removed. 


-- - Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
Please remove this fraudulent inquiry from my credit report, Thank You!

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