vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Revolving Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$870.00} Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXXXXXX XXXX Account XXXX XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$1900.00} Account name XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$45.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
This account was charged off in XX/XX/year>. Since then, the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. After 4 prior disputes, how are you not catching these inaccuracies in your reasonable investigation? You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX Account Number : # 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 2025-11-08 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
Improper or fraudulent garnishment and lack of lawful debt verification in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Washington State law. 



Summary of Complaint : I am filing this complaint against Olympic Collection , Inc. and Olympic Collection XXXX XXXX Inc. regarding an alleged debt for which my employer, XXXX XXXX XXXX XXXX ( XXXX XXXX ), was served with a Writ of Garnishment for Continuing Lien on Earnings ( XXXX XXXX XXXX XXXX Case No. XXXX ). 

This is the first and only notice I have ever received that I allegedly owe any debt to Olympic Collection , Inc., or any creditor. I was never notified, served, or given any opportunity to dispute or verify this debt prior to my wages being subjected to garnishment. 

Upon review of the documents provided to my employer, I observed several serious irregularities : 1.No judicial signature or court filing stamp appears on the writ or related paperwork, suggesting it was not properly issued or filed with the XXXX XXXX XXXX XXXX XXXX 
2.White-out alterations appear on page 3 of the documents, which raises questions about tampering or modification after preparation. 
3.The documents do not identify the original creditor, the nature of the debt, or the date the alleged debt occurred. 
4.The amount listed ( {$4400.00} ) appears without any prior judgment notice or proof of validation. 
5.I was never served a notice of garnishment or judgment as required under RCW 6.27.130 and RCW 6.27.140, nor was I provided the mandatory Notice to Defendant form required under Washingtons garnishment statutes. 


Violations Alleged : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
1692g ( a ) Failure to provide written notice of debt and right to dispute within 5 days of initial communication.

1692e ( 2 ) ( A ) False or misleading representation of the character, amount, or legal status of a debt.

1692e ( 10 ) Use of deceptive means to collect a debt.

1692f ( 1 ) Collection of an amount not expressly authorized by agreement or permitted by law. 

2. Washington Collection Agency Act ( RCW 19.16.250 ) Prohibits any attempt to collect a debt without a valid judgment or proof of assignment. 
Requires accurate representation of legal process ; use of false or altered court documents violates RCW 19.16.250 ( 15 ). 

3. Washington Garnishment Statutes ( RCW 6.27 ) The garnishment appears to have been issued without proper judicial authorization or notice, violating RCW 6.27.060 and RCW 6.27.130. 
A valid garnishment must be accompanied by a filed judgment or court order and served with notice to the debtor none of which occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
Could you inspect this entry? Its delayed and possibly flawed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint to report inaccurate and unfair information being reported by State Employees Credit Union regarding my account # XXXX. I have attempted to resolve this matter directly with XXXX XXXX and through the credit bureaus, but the issue remains unresolved. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter under the authority granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) where applicable Creditor : State Employees Credit Union Account Number : XXXX Under Section 609 and 611 of the Fair Credit Reporting Act, I am exercising my right to request a proper investigation and correction of this inaccurate information. State Emp [ loyees has failed to provide verifiable documentation substantiating the accuracy and validity of this account information. Therefore, I request that the CFPB investigate Sate Employees reporting practices regarding this account and require them to remove or correct the inaccurate information immediately.

Please confirm receipt of this complaint and keep me informed of all actions taken. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are both attempting to collect on the same {$220.00} account originally from XXXX. XXXX XXXX claims to have purchased the debt from XXXX but refuses to provide any written validation or documentation. When I contacted XXXX, they told me to go back to XXXX, who also refuses to a call for anything confirming the account number, amount owed, or ownership of the debt. 

Both companies continue to reference the debt but neither will provide a written debt validation notice, which is required under the Fair Debt Collection Practices Act ( FDCPA ) within XXXX days of initial contact. 

I believe my personal and financial information is being shared improperly, and that the account may be reported inaccurately to credit bureaus without proper validation or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XX/XX/year> The Best Service Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute and Debt Validation Request Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the above-referenced account in its entirety. This letter is a formal request for an investigation into the reporting of this account, as well as a validation of the debt, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have reviewed my credit report and have identified several inaccuracies in the information you are reporting. The details of this account do not align with my records. 

Furthermore, I request that you provide me with the following information to properly verify this debt : Method of Verification : Please provide a detailed description of the method used to verify the accuracy of the account information you are reporting to the credit bureaus, as required by the FCRA. 

Proof of Debt : Please provide complete documentation proving that I am legally obligated to pay this debt to Best Service Company. This must include proof of your legal right to collect this debt, specifically a copy of the signed agreement or other documentation establishing my account and responsibility with the original creditor, XXXX XXXX XXXX XXXX. 

Validation of Notices : Please provide proof that all required notices were sent to me as mandated by the FDCPA, including the initial written notice of the debt. 

Legal Basis for Request : This request is made pursuant to the following laws : FCRA, Section 611 ( a ) ( 1 ) ( A ) which requires you to conduct a reasonable investigation of information disputed by a consumer.

FCRA, Section 623 ( a ) ( 8 ) which requires you to provide the method of verification to a consumer upon request.

FDCPA, Section 809 ( b ) which requires a debt collector to cease collection efforts until they have provided validation of the debt upon a consumer 's written request within 30 days of initial communication. 

If you are unable to fully and accurately verify all information related to this account, provide the requested method of verification, and supply proof of the debt and your right to collect, in a timely manner as stipulated by the above laws, you must immediately request that the credit reporting agencies delete this inaccurate and unverified account from my credit file. 

Please conduct your investigation and provide me with your written response. 

Sincerely, 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 2025-11-08 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc
State: MI

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 605B, 623, 607, 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ) due to Possible Financial Incs deliberate, negligent, and unlawful reporting of false information to XXXX, XXXX, and XXXX.

Possible Financial Inc is reporting a {$57.00} charged-off account that I did not authorize, open, or benefit from in any way. I have never received, signed, or agreed to any contract or disclosure with Possible Financial, nor was I ever provided an itemized statement, billing history, or validation of debt within the five-day period required by FDCPA 809 ( a ). 

This account is the direct result of identity theft via data breach, and I have previously notified the credit bureaus of this fact. Despite such notice, Possible Financial has continued to furnish this account as valid, in clear violation of FCRA 605B ( blocking of identity-theftrelated information ), 623 ( a ) ( 6 ) ( duty to correct and delete inaccurate information ), and 607 ( b ) ( requirement of maximum possible accuracy ). 

The continued reporting of this fraudulent account after formal dispute constitutes willful noncompliance under FCRA 616 and 617, and an unfair and deceptive practice under FDCPA 807 ( 2 ) ( A ) by misrepresenting the character, amount, and legal status of an alleged debt that has no lawful basis.

If Possible Financial contends that this account is legitimate, I hereby demand production of verifiable, admissible documentation that substantiates their claim, including : The original signed or e-signed application with full IP, device, and geolocation verification ; The account-level transaction history with itemized details ; All billing and adverse-action notices sent with proof of delivery ; Evidence of reasonable reinvestigation conducted under FCRA 611 ( a ).

Absent such evidence, this tradeline is unverifiable, unauthorized, and must be deleted immediately. Possible Financials reckless disregard for consumer protection laws has caused tangible injury, including loss of credit opportunities and damage to my financial reputation. 

I demand the permanent deletion of this fraudulent tradeline from all credit reporting agencies within three ( 3 ) business days, along with written confirmation of removal and an internal compliance review to ensure no future furnishing occurs. Continued noncompliance will trigger civil escalation and complaint referral to the FTC, and state AGs office for willful FCRA violations. 

My name is XXXX XXXX XXXX, XXXX last XXXX ( XXXX ), address ( XXXX XXXX XXXX, XXXX, MI XXXX ), and phone ( XXXX ). Attached are my drivers license and XXXX XXXX  for identity verification. 

Respectfully,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have waited months now for the resolution to my claim of {$940.00}. I keep getting denied for my claim and now Im tired of waiting for something that shouldve been handled in a matter of 10 business days. A domino effect has been caused due to this situation. Both of my checking accounts with them went negative and one of them has been charged off due to it. My second account is extremely close to being charged off and my credit card with them is now maxed out, delinquent, and close to being shut down too! This is my life here Ive worked hard to treat my credit responsibly in the last year and a half and this XXXX has set me back 7 plus years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
I took out a loan using my pay with chime a service they offer that gives you like an advanced to your own paycheck. I lost my job and didnt pay it and eventually they decided to take it out if that came from a friend not my direct deposit like the terms and conditions State to be the only ones that qualify for repayment. So then they deposit randomly back into my account months later, without any explanation, notification or new agreement, and now expect me to repay that money back to them under new terms of conditions that Ive not agreed to signed to or consent it to and no expect me to pay them back the exact same thing I already paid for and settled.

Company response to consumer: Closed with explanation