vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services ( CCS ) on behalf of XXXX XXXX XXXX for {$270.00}, appearing on XXXX XXXX and XXXX  credit reports. 

This account is inaccurate, incomplete, and unverifiable. No signed contract, policy documents, or billing statements have been produced to prove liability or coverage. Reporting this unverifiable debt violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations and Legal Basis 1 FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting an unverified insurance collection is a failure of that duty. 

XXXX FCRA 1681i ( a ) ( 1 ) ( A ) : A reasonable investigation requires competent evidence such as the original contract or billing history not automated data matching with the furnisher. 

XXXX FCRA 1681i ( a ) ( 5 ) ( A ) : Any information that can not be verified must be promptly deleted and may not be reinserted without proof of accuracy. 

XXXX FDCPA 1692g : Credit Collection Services must provide full debt validation, including the signed insurance agreement, policy details, and itemized billing. No validation has been provided to date. 

XXXX FCRA 611 : The credit bureaus must conduct a lawful reinvestigation within 30 days and provide evidence used to verify the account. None has been supplied. 



Details of Inaccuracy The CCS XXXX collection reports as an open collection with inconsistent open dates across bureaus. 
XXXX has not issued any billing statement to XXXX XXXX for this balance. 
Continued reporting without validation is a direct violation of FDCPA 1692g and FCRA 1681e ( b ). 



Requested Resolution I request the Consumer Financial Protection Bureau ( CFPB ) investigate Credit Collection Services ( CCS ) and require both the furnisher and credit bureaus to : XXXXProduce full validation of this alleged debt, including the original insurance agreement, policy details, and billing records ; or XXXXIf they can not produce documentation within the statutory period, mandate permanent deletion of this collection from XXXX, XXXX, and XXXX  credit files.

The continued reporting of an unvalidated insurance debt constitutes outrageous, negligent, and willful noncompliance under FCRA 616617 and FDCPA 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is being made because I have filed. FTC reports with all three credit bureaus, and they refuse to remove accounts that are not reported correctly accounts that do not belong to me. Also, I have accounts that Ive never been laid on and theyre reporting them late inconsistent late payment accounts. Im on the same days between each bureau. I also have addresses that do not belong to me and Experian refused to remove inquiries that I did not authorize the other bureaus have removed the inquiries, but Experian refuses to. I am placing this report in reference to all three bureaus because of their inconsistent investigations and reporting and their data preachers that have caused damage to my credit report

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is being made because I have filed. FTC reports with all three credit bureaus, and they refuse to remove accounts that are not reported correctly accounts that do not belong to me. Also, I have accounts that Ive never been laid on and theyre reporting them late inconsistent late payment accounts. Im on the same days between each bureau. I also have addresses that do not belong to me and Experian refused to remove inquiries that I did not authorize the other bureaus have removed the inquiries, but Experian refuses to. I am placing this report in reference to all three bureaus because of their inconsistent investigations and reporting and their data preachers that have caused damage to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
Comply with the law by ensuring swift removal of disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX  XXXX. 
Customer Relations & Credit Reporting Department Subject : Formal Dispute Regarding Inaccurate Account Reporting Request for Deletion Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX 

Account Type : Secured Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off {$19.00} written off, {$19.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Recent Payment : {$170.00} as of XX/XX/XXXX Credit Limit : {$190.00} Highest Balance : {$190.00} Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Dispute and Request for Investigation I am writing to formally dispute the accuracy and fairness of the information being reported by XXXXXXXX XXXX XXXX  XXXX on my credit report. The account listed above was closed by the creditor, and I was never given the opportunity to resolve the alleged balance or any past due amount before the account was reported as charged off. 

Despite my attempts to contact XXXX XXXX  to resolve or pay any remaining balance, I was informed that the account could not be reopened or settled because it was permanently closed in their system. This situation left me with no avenue to remedy or make good on the account, which is both unfair and misleading under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

The amount in question {$19.00} is minimal and should not have resulted in a charge-off that continues to negatively affect my credit profile for over four years. The reporting of this account as a charge-off is not a fair representation of my payment behavior or intent. I am requesting that this account be immediately deleted or updated to Paid as Agreed/ Closed by Consumer to accurately reflect the circumstances and prevent ongoing harm to my credit reputation. 


Supporting Information I am attaching : Copy of my government-issued ID and a current utility bill for identity verification.

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 2025-10-26 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX  XXXX. 
Customer Relations & Credit Reporting Department Subject : Formal Dispute Regarding Inaccurate Account Reporting Request for Deletion Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX 

Account Type : Secured Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off {$19.00} written off, {$19.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Recent Payment : {$170.00} as of XX/XX/XXXX Credit Limit : {$190.00} Highest Balance : {$190.00} Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Dispute and Request for Investigation I am writing to formally dispute the accuracy and fairness of the information being reported by XXXXXXXX XXXX XXXX  XXXX on my credit report. The account listed above was closed by the creditor, and I was never given the opportunity to resolve the alleged balance or any past due amount before the account was reported as charged off. 

Despite my attempts to contact XXXX XXXX  to resolve or pay any remaining balance, I was informed that the account could not be reopened or settled because it was permanently closed in their system. This situation left me with no avenue to remedy or make good on the account, which is both unfair and misleading under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

The amount in question {$19.00} is minimal and should not have resulted in a charge-off that continues to negatively affect my credit profile for over four years. The reporting of this account as a charge-off is not a fair representation of my payment behavior or intent. I am requesting that this account be immediately deleted or updated to Paid as Agreed/ Closed by Consumer to accurately reflect the circumstances and prevent ongoing harm to my credit reputation. 


Supporting Information I am attaching : Copy of my government-issued ID and a current utility bill for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SYNCHRONY FINANCIAL

Complaint narrative:
A fraudulent XXXX XXXX Rewards Card account was opened in my name without my authorization. I contacted Synchrony Banks fraud department multiple times to report the identity theft and request records related to the fraudulent account. 

I spoke with Synchrony representatives on : XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX separate calls lasting XXXX XXXX, XXXX XXXX, and XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) During one of the calls on XX/XX/XXXX, I was advised to submit my request and supporting documentation by fax to their Fraud Investigations department ( XXXX ), which I did on XX/XX/XXXX and again on XX/XX/year>. 

My fax included : My FTC Identity Theft Report Proof of identity ( passport ) Proof of address ( bank statement and utility bill ) A formal FCRA 609 ( e ) request for : A copy of the original application submitted, including any documents or identification provided. 
The address, phone number, and email address used in the application. 
Records of where cards, correspondence, or goods were delivered. 
Records of charges or transactions made on the account. 
Any IP address, device, or geolocation data collected at the time of account application. 
Any other materials that can help establish the identity of the individual who opened the account. 

Despite repeated follow-ups, Synchrony Bank has not provided the required documentation or confirmation of receipt. Additionally, all of their representitives seem confused and give conflicting information. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( e ) ), these records must be provided within 30 calendar days of a complete request. It has now been well over the statutory deadline, and I have received no acknowledgment or materials.

I am requesting that the CFPB ensure Synchrony Bank complies with the FCRA 609 ( e ) requirements and provides the legally mandated records.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting a charged-off account ( Account XXXX : XXXX * * * ), but I have not been provided with any certified documentation verifying the validity, ownership, or accurate timeline of the alleged delinquency. The company reports this as a charge-off or loss, yet I have received no proof of how this was calculated or whether proper notice and validation were provided. 

The information reported is inconsistent across the credit bureaus, including differing remarks regarding the basis of closure such as Charged off as bad debt, Account has been closed due to inactivity, and Accounts closed by credit grantor. This raises concerns about the accuracy and verifiability of the information being furnished. 

I previously made payments in good faith, and no documentation has been provided to support the claim that the account was more than 120 days past due or properly charged off in accordance with federal requirements. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must report accurate and fully verifiable information. Additionally, if the account was assigned or transferred, validation is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Since no verifiable documentation has been provided, I am disputing the accuracy and legitimacy of this derogatory charge-off reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
Subject : Complaint AgainstXX/XX/XXXX for False Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) I am submitting this formal complaint against XXXXXX/XX/XXXX ), XXXX. for continued false and inaccurate credit reporting in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ). 

I currently have two XXXX XXXX credit accounts that were charged off on XX/XX/XXXX, yet as of XX/XX/XXXX, XXXX XXXX continues to report both accounts with active balances, misleadingly implying that the debts remain open and collectible. The following are the affected accounts : AccountXX/XX/XXXXXXXX Charge-off amount : {$6200.00} AccountXX/XX/XXXXXXXX Charge-off amount : {$5500.00} This continued reporting is factually and legally inaccurate. I have formally disputed these accounts with all three major credit reporting agenciesXX/XX/XXXX Experian, and XX/XX/XXXX ). Each agency responded that XXXX XXXX verified the information as accurate. This verification directly contradicts the factual record, as both accounts were charged off o

ver a year ago, and no further balance should be reported under FCRA 623 ( a ) ( 1 ) ( A ).XX/XX/XXXX ongoing false reporting : Damages my creditworthiness and reputation. 
Violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) by failing to correct or delete inaccurate information after notice of dispute.

Reflects willful noncompliance by continuing to report a balance on accounts already charged off.

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 2025-10-26 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: PA

Complaint narrative:
Subject : Complaint Against XXXXXX/XX/XXXXfor False Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) I am submitting this formal complaint against XXXXXX/XX/XXXXXXXX ), XXXX. for continued false and inaccurate credit reporting in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

I currently have two XXXX XXXX credit accounts that were charged off on XX/XX/XXXX, yet as of XX/XX/XXXX, XXXX XXXX continues to report both accounts with active balances, misleadingly implying that the debts remain open and collectible. The following are the affected accounts : Account XX/XX/XXXXXXXX Charge-off amount : {$6200.00} Account XX/XX/XXXXXXXX Charge-off amount : {$5500.00} This continued reporting is factually and legally inaccurate. I have formally disputed these accounts with all three major credit reporting agencies ( Equifax, XX/XX/XXXXand XX/XX/XXXX Each agency responded that XXXX XXXX verified the information as accurate. This verification directly contradicts the factual record, as both accounts were charged off over a year ago, and no further balance should be reported under FCRA 623 ( a ) ( 1 ) ( A ).XX/XX/XXXX ongoing false reporting : Damages my creditworthiness and reputation. 

Violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) by failing to correct or delete inaccurate information after notice of dispute. 

Reflects willful noncompliance by continuing to report a balance on accounts already charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 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: TX

Complaint narrative:
On XX/XX/XXXX, I needed to use Venmo so when I opened it there was an unpaid bill which I paid because I thought it might've overlooked something. It was XXXX, XXXX or XXXX in that range-I paid it but realized it was from XXXX - XXXX proceeded to make a payment of {$500.00} which I didn't think went through so I made another payment of {$500.00} to the same person. He did refund {$500.00} less a service fee to the Venmo account. When I tried to access those funds through Venmo, I realized there's many transactions that aren't mine and I could see another persons linked accounts and personal information. I contacted Venmo right away and we went back-and-forth on email and I provided all my personal information documents license bank account, etc. so they could verify. They did and said in an email that they were releasing the account to me with my phone number. I still can not access the {$480.00} and when I asked them They said I needed to open another Venmo account. I said no, i do not trust Venmo and I want them to send me a check For my funds. This has been going on for a months now it's so aggravating. It's taking a lot of my time and now I haven't had access to my money. I just asked them to send me a check. That is all please can you help with this issue? I have provided all the information to them to verify that the money came from my account and my identity, etc. etc. yet they refuse. I'm not sure but when I look back at all the charges, I may have been paying for someone else 's bills ever since XXXX. I don't know what that amount adds up to. Please help me in this matter. I want the {$480.00} returned to me without being forced to open an account. Kind regards. XXXX XXXX

Company response to consumer: Closed with explanation