vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, I first discovered that XXXX XXXX was reporting inaccurate and inflated balances on an auto loan account that had already been charged off and the vehicle sold at auction in XXXX. Despite disputes filed with XXXX XXXX XXXX XXXX  and direct disputes to XXXX in XX/XX/XXXX, XXXX continued furnishing derogatory and false information on my credit report. 

Most concerning, in XXXX XXXX litigation is pending in federal court ( XXXX XXXX XXXX Illinois, XXXX XXXX. XXXX ) XXXX XXXX began sending me direct collection emails demanding payment and providing online payment links. These emails included false balances exceeding {$30000.00}, which do not reflect the actual deficiency balance. 

This conduct is misleading, constitutes unlawful collection activity during active litigation, and causes ongoing harm including denial of credit, car financing, employment opportunities, and severe emotional distress. The repeated emails also amount to re-aging of the account, which misrepresents the status of a charged-off debt and refreshes the statute of limitations unlawfully. 

Importantly, this company has a history of multiple violations and recently entered into settlements with the Illinois Department XXXX XXXX and Professional Regulation ( XXXX ) and the Illinois Attorney General ( IL XXXX ) for improper practices and noncompliance with consumer protection laws in XXXX. Their ongoing misconduct toward me demonstrates a continued pattern of unlawful behavior despite regulatory action. 

In addition, a motion for protective order is currently pending before the federal court to address these improper communications, I have notified and entered a new complaint with the XXXX and IL Attorney General on XX/XX/XXXX requesting them to investigate violations that have occurred. I am requesting the CFPB to also investigate these matters to further confirm the seriousness of XXXX actions and the need for intervention. 

In this complaint I have attached the court stamped filed federal complaint, My motion for protection order with exhibits showing the emails where the demands for payment by XXXX XXXX is stated, my proposed order for protection against XXXX XXXX XXXX. 

* * * PLEASE NOTE ANY COMMUNICATION AND RESPONSES FROM CFPB AND XXXX XXXX XXXX THEIR DEFENDANT COUNSEL WILL BE USED AGAINST THEM IN FEDERAL COURT AS EVIDENCE * * * Respectfully, 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 2025-08-27 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:
XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).

LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 

15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.

UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. 

If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. 

DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. 

Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. 

Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. 

NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. 

This letter is written in good faith and with the expectation of full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
Im disputing a late payment on my mortgage that was done in error with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
I paid the {$110.00} to the original creditor child care network on my XXXX  last day of school there. This debt is not owed!

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 2025-08-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX  - Account Number : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25.00} XXXX XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-27 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: TX

Complaint narrative:
XXXX XXXX is reporting a collection account with Equifax and TransUnion. Despite multiple disputes, XXXX has never provided validation or a chain of assignment proving they own this debt. Both bureaus continue to list the account as verified with inconsistent data across months. This is a violation of FCRA 611 ( a ) and FDCPA 807 ( misrepresentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
XXXX  is willfully ignoring federal bankruptcy discharge documentation and refusing to correct inaccurate credit reporting. 

In XX/XX/XXXX, I received a XXXX XXXX bankruptcy discharge that legally eliminated all qualifying debts, including a personal loan from Upstart Network Inc. 

FIRST DISPUTE ( Submitted XX/XX/XXXX - Completed XX/XX/XXXX ) : I disputed the Upstart account because it showed as " Charge Off '' instead of reflecting the bankruptcy discharge. I provided my official bankruptcy discharge order as proof the debt was eliminated.

FIRST VIOLATION : XXXX  responded that they " verified '' the account as accurately reported and kept it as " Charge Off '' with no mention of bankruptcy. 

SECOND DISPUTE ( Submitted XX/XX/XXXX - Completed XX/XX/XXXX ) : I filed another dispute with additional documentation : my bankruptcy discharge order AND the official bankruptcy schedules showing this specific debt was included in my bankruptcy filing. I explained the debt was legally eliminated by federal court order. 

SECOND VIOLATION : XXXX  again claimed they " verified '' the information as accurate and continues reporting it as " Charge Off. '' THE PROBLEM : A discharged bankruptcy debt can not legally be reported as a charge-off because the debt no longer exists. I provided official federal court documents proving this, yet XXXX ignores clear evidence and continues misreporting. At the time of my second dispute I also sent corresponding documentation of my discharge to the compliance department of Upstart, yet received no response. 

IMPACT : This damages my credit score and misrepresents my legal obligations to potential creditors. The debt was eliminated by federal law, but XXXX  makes it appear I still owe money. 

This appears to be willful violation of the Fair Credit Reporting Act- they have been shown definitive proof twice and refuse to correct obvious errors. 

I filed two separate disputes with XXXX  in XX/XX/XXXX regarding this discharged debt. While I don't have copies of my original dispute submissions, I have attached XXXX  's responses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
I am not sure why this company is calling me. I had to look them up to find out. I am assuming they are contacting me about a previous debt that I paid off. Either way with me being in active bankruptcy, I am not even sure they can legally call. I wanted to make this known so others are aware.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my name. I have never authorized, opened, or maintained this account, and its inclusion is entirely false. Its reporting is damaging my financial credibility and misrepresenting my credit history.

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 2025-08-27 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
Nothing. I have auto pay setup, they reverse the payments saying the bank account info is wrong. I've checked it XXXX times, have setup another bank account, have tried making manual payments and nothing will go through. Not alone as there are hundreds of complaints on the web. Now affecting my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-08-27 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: NY

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
They didn't allow me to use the XXXX insurance to pay off debt. I have medical issues that stop me from bring in income and it was an impossible task to get the insurance.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: TN

Complaint narrative:
Meridian Financial Services of XXXX, NC, is trying to collect an alleged debt for maintenance fees on a timeshare unit that I do not own. The fee is allegedly for the XXXX calendar year. I received written notice dated XX/XX/XXXX. Meridian was notified in writing, dated XX/XX/XXXX, that I am not and was not the owner for that time frame. Documentation information in the form of change of ownership registration with the county deed office, which occurred on XX/XX/XXXX, was sent to Meridian. Despite being provided this information, meridian posted damaging information to credit reporting agencies.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
After Mercury cards responded to the CFPB complaint, they attached a pdf stating monthly payments for a set amount and to call the number provided by a certain date to enroll in the monthly payments. Called over 7 times, 5 times within an hour and the number just kept going to voicemail. A message was left on the XXXX or XXXX attempt stating that I was enrolling in the monthly payment to send an EMAIL or certified letter ( because Mercury does not like you to have proof of anything ) to show I called before the agreement date so I can start paying the monthly. It is now XX/XX/year> and the message was left on XX/XX/year> and still have not received an email confirming enrollment or a certified letter. 
However, when I checked my credit score today, Mercury is still charging me late fees and interest and going against the orginal agreement that THEY sent me. I agreed to the monthly payments on XX/XX/XXXX via voicemail because they did not answer one call from me, nor return the call and confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: VA

Complaint narrative:
I wanted to use my card to send money to my youngest XXXX XXXX XXXX. I was told my account was flagged for suspicious activity. I've had my account for over XXXX  years.

Company response to consumer: Closed with explanation