vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
HIPAA Violation, Debt Validation Request, Dispute, and Cease & Desist Demand Collection Agency : United Collection Bureau Original Creditor : XXXX XXXX XXXX Account Opened : XX/XX/2024 Amount Allegedly Owed : {$1200.00} To Whom It May Concern : I am submitting this formal complaint regarding United Collection Bureaus attempts to collect a debt allegedly owed to XXXX XXXX XXXX. This matter involves potential violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Health Insurance Portability and Accountability Act ( HIPAA ).

* * 1. Debt Validation Request * * Pursuant to 15 U.S.C. 1692g, I demand full validation of the alleged debt. Specifically, I request : - The original creditors name and address ( XXXX XXXX XXXX ). 
- A complete itemization of charges leading to the alleged balance of {$1200.00}. 
- Proof of my contractual obligation to pay this debt. 
- Documentation showing United Collection Bureaus legal authority to collect this debt.

Until such validation is provided, this debt must be considered disputed.

* * 2. HIPAA Privacy Concerns * * Because this debt allegedly arises from medical services, any disclosure of my protected health information ( PHI ) to United Collection Bureau without proper authorization may constitute a violation of HIPAA. I request that the CFPB investigate whether my PHI has been unlawfully disclosed or mishandled.

* * 3. Dispute of Debt * * I formally dispute the validity of this debt. Any attempt to report this debt to credit reporting agencies without proper validation will constitute a violation of the FCRA, 15 U.S.C. 1681s-2.

* * 4. Cease & Desist Demand * * Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that United Collection Bureau cease all communication with me regarding this alleged debt, except as permitted by law ( e.g., providing validation or notifying me of specific legal remedies ).

* * 5. Request for CFPB Action * * I respectfully request that the CFPB : - Investigate United Collection Bureaus collection practices.

- Ensure compliance with HIPAA, FDCPA, and FCRA.

- Require United Collection Bureau to provide proper validation or cease collection efforts.

- Prevent further unlawful reporting of this alleged debt. 

Please confirm receipt of this complaint and advise me of the next steps in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
CFPB Complaint Draft ( for XXXX XXXX XXXX ) Category : Debt Collection Rental Housing / Lease Consumer ( Client ) : XXXX XXXX What Happened My client, XXXX XXXX, is being wrongfully pursued for a debt that does not belong to her. Debt Collection Attempt Without Proof : Professional Debt Mediation , Inc. ( PDM ) sent a Validation of Debt letter on XX/XX/XXXX, stating that she owes {$8100.00} on behalf of XXXX XXXX XXXX. The letter does not include any supporting documentation proving that the alleged debt belongs to XXXX XXXX no signed lease, no payment history, no breakdown tying charges to her name. Under the Fair Debt Collection Practices Act ( FDCPA ), a collector must provide verification of the debt upon request. Instead, the collector merely restated the balance without supplying proof. Conflict With Emergency Rental Assistance : Separately, XXXX XXXX was approved for {$10000.00} in Emergency Rental Assistance through XXXX XXXX XXXX XXXX XXXX ( Case ID XXXX, XX/XX/XXXX ). The landlord submitted information to the program and agreed to accept payment. Once a landlord accepts government rental assistance, Maryland law requires them to dismiss any rent-related claims for that covered period. Continuing to pursue a debt after accepting such assistance is improper. Inflated and Unsupported Charges : The landlords accounting statement ( dated XX/XX/XXXX ) claims {$10000.00} in charges, later reduced to {$8100.00} after applying a deposit. Many of these charges are questionable, including trash removal and multiple months of rent, but no evidence has been provided to connect these charges to XXXX XXXX specifically. Why This Is a Problem The debt collector has failed to validate the debt as required under FDCPA. The alleged debt does not belong to XXXX XXXX, and there is no legally sufficient proof tying her to it. The landlord accepted emergency rental assistance, which should have resolved any valid arrears, making the continued collection effort misleading and potentially unlawful. Desired Resolution Direct the debt collector and landlord to cease all collection efforts against XXXX XXXX. Require the landlord and collector to provide proof that the alleged debt is owed by XXXX XXXX, or otherwise delete the account. Correct XXXX XXXX record to reflect no outstanding balance. Investigate whether the landlord and collector violated the FDCPA and Maryland consumer protection laws by pursuing a debt without proof and despite rental assistance payments. Evidence to Attach when Filing : Exhibit A : Debt Collectors Validation of Debt Letter ( XX/XX/XXXX ) Exhibit B : Landlords Deposit Accounting ( XX/XX/XXXX ) Exhibit C : Emergency Rental Assistance Approval ( XXXX XXXX, {$10000.00}, Case ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
On XX/XX/2025, a state court issued a certified order fully expunging and sealing my misdemeanor Assault in the Fourth Degree conviction ( Case # [ put case number here ] ). The order states the conviction is deemed never to have occurred and must be removed from all records. 
On XX/XX/2025 ( 13 days after the court order ), I sent formal FCRA disputes with the certified expungement order attached to XXXX, First Advantage, XXXX XXXX XXXX the four largest background-check companies used by employers. 
I have an immediate job offer that requires a clean background check to be completed by XX/XX/2025. The continued reporting of this legally expunged conviction is preventing me from starting work and is costing me wages I desperately need. 
These companies have known about the expungement for weeks ( XXXX and the others received my dispute and documents on XX/XX/2025 ) yet have not yet removed the record. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy and must complete reinvestigations within 30 days. Reporting a legally expunged conviction is inaccurate on its face and is causing real financial harm. 
I am filing this complaint now because the delay in updating an expunged record even within the 30-day window is actively blocking employment and perpetuating the exact harm the expungement process is supposed to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal will pend larger transactions for days and then authorize smaller transactions to then cause your account to reflect a higher balance than whats displayed which eventually leads to overdrafts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Security Credit Services, LLC
State: MI

Complaint narrative:
FINAL NOTICE BEFORE LAWSUIT UNLICENSED DEBT COLLECTION Attached is my final notice before legal action.You have 4 business days to respond before I file a {$6500.00} lawsuit in Michigan for unlicensed debt collection and illegal credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe these items are inaccurate and require immediate investigation. Below are the accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-25 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: NC

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I don't know what is going on with XXXX and the three credit Reporting agencies... I do not owe Country door the amount they claim, I only purchased a few items, my first bill was {$230.00} ... I sent them {$100.00} to bring the bill down, I placed another order for only {$190.00}, that left me a bill for {$190.00} + XXXX ... total to be paid {$320.00} ... they went into my account and took out {$25.00} on the next XXXX Bill, I had XXXX to send them {$70.00} ... I have XXXX receipt sending them the {$70.00} ... and also when they took out the twenty-five dollars... They sent me a Bill saying XXXX was behind two payments ... I got the bill, they jumped my bill to over {$400.00} dollars {$410.00} exact ... I told them to correct my true bill, and then they sent me two payments behind ... instead of paying {$7500.00} in back payments... they brought it down to {$5000.00} .. I told them I was not going to pay one dime until they correct my bill... to what I really owe ... and they refused to yet correct my bill ... giving me bad credit reports to bring my score down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Care credit are happy to keep me in debt and not willing to work with me i see advertising about how the government do not want people kept in debt but here i am. Had the debt for a fee years now paid way over the amount borrowed the minimum payment they want me to pay each month is {$80.00} yet they are charging my account {$50.00} each month i owe {$2000.00} which means I will be paying {$80.00} for another 6-7 years. The account is closed i don't understand how they are allowed to keep me in debt and not willing to offer a settlement.

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 2025-11-25 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:
This entry does not accurately portray my financial responsibility. Please update my records to ensure they are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am disputing this debt and requesting that it be dismissed and removed from any credit reporting. 

I attended XXXX XXXX in XXXX. The program was misleadingly marketed as a widely accepted and transferable certification, which it was not. Because of this misrepresentation, I do not believe this debt is valid. 

TekCollect claims they sent validation on XX/XX/XXXX to an address I have not lived at for over XXXX years. I never received any validation, notices, or itemized statements. I did not receive anything from them until this CFPB process. This means I have not been given proper debt validation under the FDCPA. 

I am requesting the following : XXXX. That this debt be fully dismissed, as I dispute its legitimacy due to misleading practices by the original institution. 
XXXX. That TekCollect remove or refrain from placing any information on my credit report, as no proper validation was ever provided to me. 
XXXX. That all collection activity stop unless full, proper documentation can be provided directly to my current address or uploaded to this CFPB portal. 

This is the only fair and acceptable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage servicer received a payment of {$710.00} on XX/XX/2025, but they have not applied it to my monthly mortgage payment and they refuse to refund the money. The payment is showing in my account as Unapplied Funds ( screenshot attached ). 

I have contacted them multiple times over the last month, and they have not resolved the issue, provided an explanation, or returned the funds. 

This appears to be a violation of RESPA ( Regulation XXXX ), which requires servicers to : Acknowledge written inquiries within XXXX business days, and Resolve or fully respond within XXXX business days. 

The servicer has missed both deadlines. 

I am requesting the XXXX  assistance to force the servicer to either : XXXX. Apply the {$710.00} to the correct mortgage payment, or XXXX. Issue a full refund to my original payment method. 

This unresolved unapplied payment is affecting my account and causing stress and financial harm. 

Amount in dispute : {$710.00} What I want : Apply the payment or refund it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX. XX/XX/XXXX XXXX XXXX Services {$6100.00} Original creditor : XXXX XXXX Possible re-aging, unverifiable. 


XXXX. XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX creditor : XXXX XXXX XXXX proof of debt. 


XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX Previously disputed, no validation. 


XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX No signed contract provided . 


XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Duplicate reporting with XXXX XXXX XXXX. 


XXXX. XX/XX/XXXX XXXX XXXX / XXXX XXXX {$480.00} No signed agreement or validation. 


XXXX Multiple XXXX XXXX XXXX XXXX XXXX Duplicated negative payment histories, possible reporting errors.

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