vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
Experian has not been uploading my accounts and mortgage data, which has hurt my XXXX score. I completed the terms and conditions of my bankruptcy in XX/XX/year> and am requesting that they upload my data so I can begin the process of rebuilding my credit. Despite patiently waiting for XXXX year for Experian to provide the missing information, I have not received any updates. 

Additionally, I attempted to initiate a dispute with Experian, but there are currently no accounts acknowledged that would allow me to do so. I also purchased an Experian premium membership in hopes of resolving this issue, but my credit report remains incomplete. I have made several attempts to contact Experian, but reaching them has been nearly impossible.

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 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I do not owe debt to XXXX XXXX XXXX XXXX never heard of that company and I want this debt removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
I had called an ambulance as I could not breathe. They came and I am not sure why, they sent XXXX ambulances. I went to the hospital and the second ambulance followed us. Still do not know why I should pay fore XXXX ambulances. 
My insurance paid $ XXXX Prime healthcare services XXXX XXXX XXXX XXXX XXXX {$620.00} ) and I have another bill from Atlantic XXXX XXXX XXXX XX/XX/year> ) for {$2000.00}. 
I just received a collection letter from XXXX XXXX XXXX ( XX/XX/year> ) for {$2200.00} Almost {$12000.00} dollars for an ambulance ride XXXX miles from my home. 

Not only is this criminal this is horrible. I am a senior and in bad health at this time. 
I do not have the funds to pay this. How can anyone charge this kind of money for a XXXX mile ride to the hospital? 
They were paid close to {$10000.00} How can this be allowed to happen to seniors? Please help. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hawes Klein LLC
State: PA

Complaint narrative:
I am disputing two collection accounts that do not belong to me. These accounts are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX and appear on my XXXX, XXXX, and XXXX  credit reports. I have never had any accounts, loans, or relationships with either company or with the original creditors they claim to represent. 

Details : I first noticed these collection accounts on my credit reports in [ month/year you noticed them ]. I contacted both the collection agencies and the credit bureaus to dispute the accuracy and requested verification of these debts under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Despite my dispute, neither company has provided proper validation of the debts, and the accounts remain on my credit reports. These accounts are inaccurate, unverifiable, and causing harm to my credit. Under the FCRA, only information that is accurate, complete, and verifiable may be reported.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a follow-up complaint and formal notice to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXXXXXX XXXX XXXX and multiple data furnishers, including Ally Financial. 

On XX/XX/XXXX, I submitted a written dispute to XXXX  identifying several accounts being inaccurately reported on my credit file. 
Despite my request for full validation and lawful reinvestigation, these accounts continue to appear on my credit report without proper verification or documentation, violating federal law. 

On XX/XX/XXXX, Ally Financial sent a settlement offer letter ( Acct # XXXX XXXXXXXX ), but again failed to include any validation, original contract, or proof of assignment confirming that this debt remains unverified and should not be reported. 

This continued reporting, after formal dispute, constitutes a willful violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), as well as FDCPA 809 ( b ). 

Accounts Previously Disputed and Still Reporting Inaccurately * Ally Financial Acct # XXXX Still reported as charge-off with no proof of validation or permissible purpose. 

* XXXX XXXX XXXX XXXX XXXX Acct # XXXX Still reported as active collection without chain of assignment or validation. 

* XXXX XXXX XXXX XXXX Acct # XXXX Charge-off remains unverifiable ; no documentation received. 

* XXXX XXXXXXXX XXXX Acct # XXXX Inconsistent and unverifiable late payments and charge-off reporting. 

* XXXX XXXXXXXX XXXX Acct # XXXX XXXX supporting documentation or payment history provided. 

* XXXX XXXX Acct # XXXX Continues to report unverified account and unauthorized hard inquiry. 

* XXXX Acct # XXXX Still listed as charged off with inaccurate balance. 

* XXXX XXXX Acct # XXXX Reported charge-off remains unverifiable. 

* XXXX XXXXXXXX XXXX  Acct # XXXX No evidence verifying delinquency or accurate reporting dates. 

* XXXX Acct # XXXX Still reporting as charge-off without substantiating records or permissible purpose. 

Federal Law Violations and Noncompliance The continued reporting of these accounts after a formal dispute violates multiple sections of federal law, including : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibition on reporting information known to be inaccurate.

FCRA 1681e ( b ) : Duty to maintain maximum possible accuracy.

FDCPA 809 ( b ) : Duty to cease collection and validate debt upon written request.

FCRA 1681n & 1681o : Civil liability for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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 ask that you promptly remove the inaccurate late payment from my file. My record shows consistent on-time payments, and this mistake has been mentally and emotionally taxing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NV

Complaint narrative:
Subject : Sentry Credit , Inc. Noncompliance and Failure to Cooperate in Furnishing Accurate and Verifiable Credit Reporting Data To the Consumer Financial Protection Bureau , I am filing this complaint regarding Sentry Credit , Inc. , a data furnisher and debt collector, for their continued noncompliance and failure to cooperate with lawful consumer verification requests, as well as the credit bureau ( s ) that continue to accept and report unverified and inaccurate information provided by them.

Despite multiple written requests, Sentry Credit , Inc. has : Failed to furnish proof of compliance with XXXX reporting standards, as required for lawful data submission to the credit bureaus ; Submitted erroneous, inconsistent, and unverifiable reporting information that does not match the consumer records or substantiated debt details ; Repeatedly provided irrelevant or unrelated documentation in response to direct verification and compliance requests ; and Ignored clear demands for validation and evidence of lawful reporting under FCRA 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ).

The associated credit bureaus have improperly accepted these unverifiable reports and failed to perform a reasonable reinvestigation, as required by the FCRA. This represents a clear breach of fiduciary duty, a violation of consumer protection law, and a defamation of my credit reputation, as inaccurate data continues to be published to third parties without verified or lawful basis. 

Requested Enforcement and Remedy I am requesting that the CFPB : Investigate and enforce compliance by Sentry Credit , Inc. under the FCRA, FDCPA, and XXXX data furnishing standards. 

Direct the credit bureaus ( XXXX XXXX XXXX XXXX ) to remove all unverifiable or non-compliant entries related to this furnisher. 

Require Sentry Credit , Inc. to furnish verifiable, XXXX-compliant proof of the accuracy, ownership, and legality of any data they report, or cease furnishing altogether. 

Ensure full compliance and written confirmation within 30 days of this notice. 

Sentry Credits refusal to provide proper validation, coupled with the bureaus continued publication of inaccurate information, constitutes a serious violation of my rights under federal consumer law. 

I respectfully demand immediate deletion of all unverifiable or noncompliant information and expect the Bureaus fiduciary enforcement of these statutes without delay. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX Email : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
I sent for my credit file to be investigated due to the credit breaches and inaccurate amounts on my credit file, and they did not accurately investigate what was on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
I sent for my credit file to be investigated due to the credit breaches and inaccurate amounts on my credit file, and they did not accurately investigate what was 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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX XXXX, and I am requesting an expedited review and correction of my rental screening reports. I have spent over {$300.00} applying for housing, but my reports continue to show inaccurate and outdated information that does not reflect my verified background or income. 



This issue is jeopardizing my familys housing stability, and I urgently need this corrected. I have already contacted TransUnion and was informed that my background and income data were recently updated ; however, property management companies are still receiving the older, incorrect version. 



Please use this email as a formal request and dispute initiation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am also asserting my right to fair and nondiscriminatory housing consideration under Colorado Revised Statutes 24-34-502.2 and 38-12-902 ( 2.5 ).

For your review, I am attaching my verified Experian screening report, which accurately reflects my background, credit, and income information. I have no criminal history, no negative rental history, and a consistent work record as a nurse assistant serving elderly and XXXX clients in the Colorado XXXX and XXXX areas. 



Please update my file immediately and confirm in writing that my corrected screening data will be used for all current and future rental applications. I am seeking stability for my children, and delays in this process are causing serious harm to my family. 



Thank you for your urgent attention and compassion in resolving this matter. Please confirm receipt and next steps at your earliest convenience. 



Respectfully, XXXX XXXX XXXX ( XXXX ) 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 2025-10-19 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: MI

Complaint narrative:
I started my XXXX account on XX/XX/XXXX, spent the next XXXX days going back-and-forth with customer service trying to get the account unfrozen. Sending them photos of my ID and other identifying information. Finally getting an email on XX/XX/XXXX indicating that my account was unfrozen and I could access the funds that had been sent to me by XXXX of my clients ( {$55.00} in XXXX payments ). The information I provide next covers everything from XX/XX/XXXX to present. Ive tried multiple times to add several of my checking and savings accounts to my XXXX account to withdraw the money in my XXXX account. Ive tried multiple times to add all of my debit cards to my XXXX account in an attempt to withdraw the money in my XXXX account. Ive tried multiple times to acquire the XXXX debit card. All of these attempts have been unsuccessful, ending in error errors on their end. I have emailed and called them multiple times, I have copies of all of the emails and recordings of several of the calls, including the latest where I spent over an hour on the phone on XX/XX/XXXX. They tell me that there is an issue on their end that their security is tripping every time I try to add an account or get the XXXX debit card and I need to send them more identifying information pictures of my bank account and ID. I have already sent this information to them in reference to these issues in addition to sending them this information initially to get my account unfrozen when it was only hours or days old. I have requested that they just send me a check and close my account, but they want me to close my account before they are willing to send a check and I am unwilling to lose the last little tiny bit of access I have to that money before I see that it is sent to me or XXXX of my accounts. They continue to demand my personal information which I have already sent them to get this problem resolved. Claiming the exact same information that I already sent them is out of date and cant be used now. Despite the fact that I sent them that information to resolve these precise problems. 

XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX emailed XX/XX/XXXX XXXX and XXXX mins XX/XX/XXXX called XXXX mins XX/XX/XXXX called XXXX mins XX/XX/XXXX called XXXX mins XX/XX/XXXX called XXXX mins

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
The interest rate is wrong and the amount Im paying is wrong as well.

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 2025-10-19 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: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
The interest rate is wrong and the amount Im paying is wrong as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
I am disputing a collection account that is being reported inaccurately. The details of the account are : Creditor : XXXX XXXX XXXX Balance : {$170.00} Date Opened : XX/XX/year> Status : Collection On my Equifax credit report, the original creditor is listed as No Info. On my TransUnion credit report, the original creditor is listed as XXXX XXXX XXXX XXXX. This is a clear inconsistency. 

Under the Fair Credit Reporting Act ( FCRA ), information on credit reports must be accurate and complete. Reporting a collection account without the original creditor is incomplete and makes the account unverifiable. 

Because the information is not being reported accurately, I am requesting that this collection account be deleted immediately from my credit file. If the furnisher can not fully verify the original creditor information, this account must be removed as required by law. 

Please complete your reinvestigation and send me written confirmation of the deletion.

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 2025-10-19 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my credit report. This late payment was reported by XXXX XXXX / XXXX XXXX XXXX 

The payment are 'late /closed, charger off. 
These credit Bureau has is inaccurate and creditor has the furnishing of my personal information, or the obtaining of my consumer report, regarding this entry violates the provisions of 15 U.S.C. 1681 et seq.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Yamaha Finance Does NOT have any option but to pay by bank account online, and I have to spend XXXX minutes + on a XXXX phone call to pay with debit. This is a major issue. My wife is a Joint account holder and says do NOT put the account numbers online, as they don't pull that day ( like a debit is direct and instant ) and we may and have faced NSF fees due to it not actually coming out the day it was submitted. we did it once, I have had many complaints lodged with Yamaha Finance regarding this. What if I were deaf or mute? How would I pay by debit? If my wife said no as a joint account holder, I must listen. I feel this is against ADA practices and that Yamaha should make changes. Also, I get paid on Sundays. Yamaha is not open on Sundays ... debit payment would work on Sunday online. Also, I would not ever be late to pay, as I do not have to waste time on the phone when I hate people in general, let alone calling to talk to some random and give my info each month. Request every month my calls, that they have recorded, and see how every single month I ask for a fix, I explain my situation, and am completely ignored, never an escalation. After they reply to this, I will be following up with Florida 's AGs to complain about unfair business practices and to see if they are, in fact, breaking any ADA rules. If I were deaf, and or mute, I could NOT pay debit online and would be forced to do this one option : open a new account? NO, is Yamaha going to pay the bank fees each month for that? No! One of their agents on a call actually suggested I do that. What the actual hell? They may not respect marriage, but I respect my wife and her wants.

Company response to consumer: Closed with explanation