vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : 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 Subject : Dispute of Unauthorized and Unverified Collection Account Reference : Fair Credit Reporting Act ( 15 U.S. Code 1681i, 1681s-2 ) To whom this may concern, I am writing to formally dispute the reporting of an unauthorized and unverified collection account that is appearing on my credit report. Upon reviewing my credit file, I identified the following inaccurate entry : Creditor/Collection Agency Name : AMSHER COLLECTION Account Number XXXX  Date Opened/Reported : XX/XX/XXXX Amount : {$480.00} This account is not authorized by me and has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and deletion of this account if the furnisher can not provide proper documentation proving its accuracy and my responsibility for this debt.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they knowor should knowis inaccurate. Because this account was reported without my consent and without verified documentation, it violates federal reporting standards. 

Please provide written documentation that proves this account is valid and was authorized by me, including : A signed contract or agreement showing I authorized this debt ; A detailed payment history and validation from the original creditor ; and Proof that the collection agency is legally authorized to collect on the alleged debt. 

If this account can not be fully verified within 30 days, I request its immediate deletion from my credit report, as required by the FCRA. Please also send me written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven year
s, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This has been several attempts now where XXXX XXXX has billed me for an account that reflects the wrong name. I am formally requesting a copy of the Master Promissory Note ( MPN ) for the entire account, as this is the only way to verify the original borrower information. 

The account was initially listed under XXXX XXXX XXXX, which is not my legal name, and it was later changed or removed without my authorization. If the Master Promissory Note does not bear my correct legal name, I am not legally responsible for repayment under contract law ( see Restatement ( Second ) of Contracts 9, which establishes that a contract must correctly identify the parties to be enforceable ).

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is unlawful for inaccurate or unverifiable information to remain on my credit report. I currently have an entry on my Experian credit report tied to this false information, and they have refused to remove it because of XXXX XXXX reporting. This constitutes furnishing false information to a consumer reporting agency, in violation of 15 U.S.C. 1681s-2 ( a ).

I am requesting immediate investigation and correction of all records under my name, as well as written confirmation once the matter has been resolved.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XXXX  credit card. Have always paid my ( 1 ) credit card first to assure never to be in a situation in which Im paying someone FREE money.

Been with my entire life. No issues. Until this year. Has now snowballed into interest. Went in person to branch and nobody knew more than me so they printed same thing Ive been staring at all year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because several accounts on my Experian credit report continue to report inaccurate, inconsistent, or unverifiable information despite prior disputes and Method of Verification ( MOV ) requests under FCRA 611. These accounts include XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, among others. 

After my disputes, some accounts such as XXXX XXXX XXXX and XXXX were removed, confirming they were unverifiable. However, the remaining accounts continue to report errors in balances, payment history, account status, and dates, which violate FCRA 607, 611, and 623.

I have included side-by-side pictures showing how these accounts are being reported across all three credit bureaus, demonstrating the inconsistencies. I have also included two forms of identification to prevent any potential stall tactics.

Additionally, the XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) collection was previously removed in XX/XX/year> following a dispute but has now been re-added without notice. I have included this account as a separate PDF, along with the Intent to Sue letter PDF for the primary accounts.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: SD

Complaint narrative:
Starting in XXXX, I began receiving demand letters from Linebarger, Goggan, Blair & Sampson, LLP, claiming I owed a toll balance to the XXXX XXXX XXXX XXXX XXXX State of Colorado. The amounts claimed were {$22.00} plus added fees, for a total of {$42.00}. 

The firm provided photos of a vehicle with my license plate typed beside them, but the plates in the images were blurred and unreadable, and the vehicle did not show a permanent XXXX toll decal that is on my windshield. 

On XX/XX/year>, I sent a certified letter disputing the debt and requesting verification. I followed up with a second certified letter on XX/XX/year>, also requesting validation. Both letters were received by the firm, as confirmed by return receipts. 

Despite these requests, the firm continued collection efforts, sending a Second Notice on XX/XX/year>, without providing verifiable evidence that the debt was legitimate or that the vehicle in question was mine. 

I am seeking review and enforcement action to ensure that Linebarger, Goggan, Blair & Sampson, LLP complies with the Fair Debt Collection Practices Act ( FDCPA ) and that no further collection attempts are made without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Equifax, Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ), I formally dispute the following items appearing in my consumer report # XXXX Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX  XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX : XXXX XXXX XXXX  XXXX - XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX Recent FOIA and Right-to-Know requests sent to U.S. Department of Education, Office of the Comptroller ( OCC ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Right to Know Request ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( FOIA/Records Department ) yielded no record or authorization for the reporting or data-sharing of theses accounts. Accordingly, you are required to : 1. Conduct a lawful reinvestigation under 611 ( a ) ( 1 ). 
2. Provide the method of verification and identification of each furnisher under 611 ( a ) ( 7 ).

3. Delete any item that can not be verified under 611 ( a ) ( 5 ) ( A ).

Failure to comply constitutes willful noncompliance under 616 and 617, entitling me to actual and punitive damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I accepted a Headway Capital line of credit after being told in writing by a BlueVine representative that the APR shown in the documents was for compliance purposes only and not the rate I would actually pay, while presenting a 3.75 % monthly rate. I even specified in my emails that the interest was far too high. I believe they purposely caused confusion to close a deal. 
My statements show an APR near 48 %. This is clear, documented misrepresentation. 
XXXX refunded one {$8200.00} payment but have been unresponsive regarding remaining interest and fees or closing the account. 
Both Headway Capital and XXXX XXXX acknowledged receipt of my complaint but failed to respond by my XX/XX/XXXX deadline. 
XXXX requesting a full refund of all interest and fees and written confirmation of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I have received two notices of default deadlines for this mortgage collection agencies with a contact name on the back specifically on XX/XX/XXXX and XX/XX/XXXX. These are dates of course on the letter, but I received the letters days later. 

Secondly, I am filing concerns about fees from the last payment plan they list what it is a no explanation of the duplicate title and lower fee amounts. I want this noted and investigated. 

I have attempted to contact both these individuals by phone and email, and I asked for them by name. Neither of them has bothered to email me back or call me back. In fact, the customer service reps state when I call you can talk to anybody. To be honest, many of them do not know what they are talking about or have the expertise. I WOULD LIKE TO MENTION ONE EMPLOYEE BY THE NAME OF XXXX, INDICATED SHE WOULD CALL ME BACK TO ASSIST ME AND SIMPLY DID NOT HAVE THE DECIENCY TO DO SO. I get conflicting information every time I call. I just want to deal with the individual on the letter. 

I WOULD LIKE TO MENTON XXXX XXXX WHO WAS THE MANAGER THAT HELPED WITH ME IN XXXX, FOR LOSS MITIGATION, IF SHE IS THERE, PLEASE LET HER WORK WITH ME. 

I am on government shutdown trying to request a hardship until this shutdown is uplifted. This is beyond my control. I want to keep my home. I have been here for 18 years plus years. 

I have until XX/XX/XXXX to straighten this out or I will be foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-27 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My Bankrucy completed XX/XX/2025 I have sent requested letter from my attorney dated XX/XX/2025 I have advised tme of completed backrucpcy and documentation from XXXX to show completion at least 5 time I have called weekly I have a check for an insurance claim I am afraid will sit in an restricted escrow account do to this flag on my account I have no clue where my payments are going and need explanation of how payments are being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

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

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

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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