vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for violating the Fair Credit Reporting Act ( FCRA ) and engaging in deceptive and unlawful debt-collection activity. 

I previously rented an apartment at XXXX XXXX XXXX, which is operated and controlled by XXXX XXXX  ( the corporate office ). After receiving a notice that my lease would not be renewedwithout any explanationI informed the corporate office that I would be moving out. The corporate representative told me I had two options : pay an early-termination settlement or leave and potentially be charged for vacancy time. I declined the settlement.

I later received written confirmation from the on-site manager that my unit had been re-rented, meaning there was no vacancy loss. Nevertheless, XXXX XXXX  placed a collection on my credit report for {$9500.00}. I disputed this with XXXX  and the corporate office itself corrected the account to {$0.00}, acknowledging that no debt existed. 

Months later, Fair Collections & Outsourcing began reporting the exact same invalid balance, but changed the original creditor to XXXX XXXX XXXX  instead of XXXX XXXX. This appears to be a deliberate attempt to mislead all three credit bureaus and reintroduce a debt that had already been resolved. 

I sent FCO a written debt-validation request and notified them that this account had already been corrected to {$0.00} by the original creditor. Despite this, they continue to report the same invalid debt, which is a clear violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) ( 1 ) requiring proper investigation and correction after a dispute 15 U.S.C. 1692e prohibiting deceptive and misleading representations by debt collectors 15 U.S.C. 1692d prohibiting abusive practices A debt that has already been corrected and resolved can not legally be re-reported as a new debt by another company. FCOs conduct is not only dishonest, it is illegal. 
I am requesting that the CFPB investigate FCO, require them to remove this inaccurate and previously resolved account from all credit bureaus, and take enforcement action for their repeated violations of federal law.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested assistance since XX/XX/XXXX all the way through XXXX for identity, theft and assistance with a specialist that wouldve provided me step-by-step guidance and help all the way through as stated in their voice hold automation information stating that if we go through identity theft, well get a specialist to help us all the way through. They will even contact the police for us and navigate anything. We need to navigate to have done. I have uploaded documents. I have uploaded police report reports and I have received no assistance throughout this entire time. They said someone called me and they hung up. They never called me back and I am still to this day trying to get help for identity theft in which now I am locked out because they want a {$24.00} payment for the subscription that they just refunded before I could gain access to the account again now with identity theft protection I shouldve had a free subscription for a year, but the departments do not know how to work together to navigate this and fix and correct the issues on their end to have clearly communicated together and communicate between each others departments without having to transfer me 15 times this is not fair. Its not appropriate to be locked out of your account for almost a year and from there I do not believe their call center should be outsourced overseas. There should be no. That deal with American personal banking or credit information outsourced overseas a problem here is that a credit card said that my card was closed. They closed it because they could and theres nothing I could do from there. They gave it to a debt collector sold it to a debt collector the debt collector got my personal information XXXX XXXX XXXX got it from Experian. Experian turned around and gave it to them at XXXX XXXX XXXX in which XXXX XXXX XXXX outsources two third-party countries as in XXXX I was scolded by someone in XXXX over my report of somebody stealing my identity and {$76000.00} from me in XXXX and he told me they were good people. They dont do that and that Im just avoiding my problems. Thank you Experian for giving the same people in the same area of XXXX XXXX my identity information again now I want my credit fixed and I want everything removed from that file immediately. ticket 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 explanation
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XXXX Phone Number:XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following accounts must be removed immediately : 1.NAVY XXXX XXXX Opened : XX/XX/XXXX 2.XXXX  Date Opened : XX/XX/XXXX Remove inquiries Below XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following account must be removed Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
XXXX ish XXXX - created yearly IDR. Recertification Application - change to save request too. 
XXXX to XXXX- no change in app status. 
XXXX ish XXXX - call Mohela and tell them my app says change to SAVE, but I don't want to do that and to please cancel that request and keep me on IBR. 
XX/XX/XXXX - made new idr app to stay on ibr just in case. 
XX/XX/XXXX to XX/XX/XXXX - multiple calls and complaints about my account status. 
XXXX ish XXXX - made new idr app since nothing has happened since XXXX. 
XXXX ish XXXX - Mohela canceled/closed all previous apps and put my XX/XX/XXXX app as pending. 
XXXX ish XXXX - XX/XX/XXXX app listed as in review. 
XXXX to now - mohela escalated my app, I called my senator office for help.

We are going into dec and still no resolution....

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax shared my credit profile without consent to XXXX and placed an unauthorized inquiry on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XX/XX/year> {$1800.00} I asked for a debt validation, not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
What happened : On XX/XX/XXXX, I immediately responded No to XXXX fraud alert asking whether I made an attempted {$20.00} charge. XXXX system declined that {$20.00} attempt based on my response, but despite this, Chase proceeded to allow multiple additional unauthorized transactions to go through afterward, totaling {$100.00}. I reported the activity immediately through the Chase fraud alert system. Chase informed me that they can not dispute these unauthorized transactions and that I must contact the merchant, even though these are unauthorized electronic fund transfers covered under Regulation E. The bank refused to assist or investigate properly. I am requesting the CFPBs assistance in ensuring that Chase follows Regulation E, opens and properly investigates my claim, and reimburses the {$100.00} in unauthorized transactions.. 
Despite this, Chase has refused to treat this as an unauthorized electronic fund transfer, which it clearly is under Regulation E ( Electronic Fund Transfer Act ). 
Amount disputed : {$100.00} total of apple.com, tiktok shop How Chase responded : Chase informed me that they can not dispute the unauthorized transactions and told me that I must dispute through the merchant instead. Chase has closed out my dispute and will not assist further. 
This is incorrect and violates Regulation E. 
The law states that unauthorized debit card transactions must be investigated and resolved by the bank, not the merchant. Merchant disputes only apply to authorized transactions, not stolen-card fraud. 
Why I am filing this complaint : Chase is refusing to follow Regulation E and is improperly pushing liability onto me and onto the merchant. These were unauthorized transfers conducted with a stolen card, and I reported the theft immediately on the same day through XXXX fraud alert system. 
I am requesting the CFPBs assistance in : 1. Requiring Chase to properly process this as an unauthorized electronic fund transfer under Regulation E, 2. Opening the claim, 3. Issuing the required provisional credit, and 4. Providing a written explanation consistent with federal law. 
Summary : Card stolen Unauthorized debit transactions total {$100.00} Reported immediately on XXXX XXXX  through Chase fraud system Chase refused to process under Regulation E Chase incorrectly told me to contact the merchant Chase is refusing any assistance I am requesting that the CFPB ensure Chase complies with federal law and resolves this unauthorized transaction appropriately. 

The banks handling of this claim has caused me unnecessary stress and taken up significant time. I am disappointed that the Chase fraud department failed to follow its legal obligations under Regulation E, forcing me to escalate this matter to the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-24 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: OK

Complaint narrative:
I am disputing the following accounts and inquiries because they appear to be inaccurate, incomplete, or unverifiable. I am requesting that Equifax conduct a full investigation into each item and correct or remove any information that can not be verified according to FCRA guidelines. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XXXX/XXXX/2022, {$0.00} XXXX XXXX XXXX, XXXX, XXXX/XXXX/2021, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX/XXXX/25 XXXX XXXX/XXXX/25 XXXX XXXX/XXXX/25 XXXX XX/XX/XXXX25 XXXX XXXX XX/XX/XXXX25 XXXX XXXX  XX/XX/XXXX25 LATE PAYMENT XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX To : Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute, Validation Request & Permanent Removal Dear Professional Debt Mediation Compliance Department, I am formally disputing the accuracy, validity, and completeness of the information you are reporting regarding the above-referenced account. This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I recently reviewed my credit report and found this account listed by your company. I dispute this alleged debt and request full validation.

Please provide the following : 1. The original creditors full name and address 2. The original account number 3. A complete itemized breakdown of the amount you claim is owed 4. A copy of the original signed agreement or contract proving my legal obligation 5. Documentation showing you are legally authorized to collect and report this debt 6. A copy of the notice of assignment or ownership, if applicable Under FDCPA 1692g ( b ), you must cease all collection activityincluding reporting to any consumer reporting agencyuntil proper validation is provided.

Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), you are required to report only accurate and fully verifiable information. If you can not verify the accuracy of this account during your investigation, you must delete it from all consumer reporting agencies.

If this account is deleted because it is found to be inaccurate, unverifiable, or incomplete : You are prohibited from re-reporting or reinserting this account unless you follow all FCRA reinsertion requirements, including : Providing written notice to me within 5 days of any attempted reinsertion, and Obtaining certification of accuracy from the data furnisher I am explicitly requesting that you do not reinsert this account at any time unless full legal reinsertion procedures are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries listed on my Experian credit report. Many items appear inaccurate, duplicated, outdated, or inconsistent with the information shown on other bureaus. I am requesting verification of all data under the FCRA, and the removal of any information that can not be fully validated. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/2021 {$0.00} XXXX XXXX XXXX XXXX/2022XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX/2020 {$0.00} XXXX XXXX XXXX XXXX/2021 {$0.00} XXXX XXXX XXXX XXXX/2022XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX/2024 {$510.00} XXXX XXXX  XXXX XXXX/2024 {$360.00} XXXX XXXX XX/XX/XXXXXXXX/2024 {$680.00} XXXX  XXXX XXXX/2024 {$2500.00} XXXX XXXX XXXX XXXX/2024 {$12000.00} XXXX  XXXX XXXX/2021 {$1500.00} XXXX XXXX XXXX/2023 {$19000.00} XXXX  XXXX XXXX/2023 {$250.00} XXXX XXXX XXXX  XXXX XXXX/2022 {$880.00} XXXX XXXX XXXX XXXX XXXX/2024 {$500.00} XXXX XXXX XXXX XXXX XXXX/2023 {$730.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX/2023 {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX/2023 {$1700.00} XXXX XXXX XXXX XX/XX/XXXXXXXX/2022 {$770.00} XXXX XXXX  XXXX XXXX2023 {$740.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX/2023 {$630.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX/2023  {$1200.00} XXXX XXXX XXXX/2024 {$3700.00} XXXX XXXX XXXX/2024XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX/2025 {$90.00} XXXX XXXX  XXXX XXXX/2022 {$3100.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX/23 XXXX XXXX XXXX/24 XXXX XXXX XXXX XXXX/24 XXXX XXXX XXXX/23 XXXX XXXX XX/XX/XXXXXXXX/24 XXXX XXXX XXXX XX/XX/XXXXXXXX/24 XXXX XXXX XXXX XX/XX/XXXXXXXX/24 XXXX XXXX XXXX XX/XX/XXXXXXXX/25 XXXX XXXX XXXX XXXX/23 XXXX XXXX XXXX XX/XX/XXXXXXXX/23 XXXX XXXX XXXX  XXXX/24 XXXX XXXX 1XXXX/23 XXXX XXXX XXXX/24 XXXX XXXX XX/XX/XXXXXXXX/24 XXXX XXXX XX/XX/XXXXXXXX/23 XXXX XXXX XXXX XXXX/23 XXXX XXXX XXXX XXXX XXXX/23 XXXX XXXX XXXXXXXX XXXX XXXX/24XX/XX/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