vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Client Services, Inc.
State: TX

Complaint narrative:
I am receiving repeated phone calls and text messages from Client Services regarding an account that has been closed for over a year. I had not been contacted by them in this time, but all of a sudden within the last month I get 2-3 calls from one of their many numbers, as well as a text telling me to contact them. The company contacts me from multiple different phone numbers, making it impossible to block them individually. 

The account in question was closed while I was actively making payments on it, and I no longer have any active accounts or balances with this company. Despite this, they continue to contact me regularly. 

I have requested that the communications stop, but the calls and texts continue. This ongoing contact feels harassing and unnecessary. I am requesting that Client Services immediately stop all communications with me and remove my contact information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint regarding IQ Data XXXX  collection conduct and failure to provide clear communication regarding a rental debt allegedly owed to XXXX at XXXX XXXX. 



In early XX/XX/year>, I received a call from IQ Data representative XXXX XXXX about an alleged {$5900.00} balance ( Ref. # XXXX ). I informed him I was at work and requested a call back at a more convenient time to discuss and verify the debt. Instead, he pressured me to handle this bill now, pushing for immediate payment. 



Weeks later, I discovered IQ Data had reported the debt to my credit bureaus without any prior written or electronic notice. On XX/XX/year>, I called IQ Data again to verify the amount, understand the interest accrual, and confirm why the debt was reported without notification. I again spoke with XXXX XXXX. 



During this call, XXXX XXXX was dismissive and unprofessional. He stated : You can dispute it all you want, but my team is gon na verify it every time. 

If youre not paying it, then why are we on the phone? 

Why are we talking? 



When I asked if he was pushing for immediate payment because he personally receives a percentage of the debt collected, he did not deny it and continued pressuring me to pay instead of addressing my questions about verification and accuracy. 



I informed him that his tone was condescending and that I wanted to speak to a supervisor. I was transferred back to his extension multiple times. When I mentioned again that I wanted to speak to a supervisor, he said, Thats probably because Im a senior executive, in an arrogant and dismissive tone. 



As of today, no supervisor has returned my call. 



I believe IQ Datas actions violate the Fair Debt Collection Practices Act, specifically : 15 U.S.C. 806 Harassment or abuse in connection with the collection of a debt 15 U.S.C. 807 False, deceptive, or misleading representation, including coercive pressure tactics and implying I have no right to question the debt.

I am requesting that the CFPB investigate IQ Datas practices and ensure that the company addresses this representatives conduct, implements better oversight, and stops using intimidation or pressure when consumers attempt to verify or understand their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In reviewing my credit reports from all three major credit bureaus, I discovered XXXX collection accounts being reported by Midland Credit Management XXXX allegedly originating from XXXX XXXX Bank XXXX, and another from XXXX XXXX. 

I have never authorized or given written consent for any third party, including Midland Credit Management, to obtain, use, or furnish my personal or credit information. The accounts appeared on my credit file without prior notice, validation, or my signature authorizing their reporting. 

On XX/XX/2025, I sent certified dispute letters to Experian, TransUnion, and Equifax under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) requesting verification and proof of written consent. As of [ insert date ], none of the bureaus nor Midland Credit Management have provided any documentation proving that I authorized these accounts or the sharing of my personal information. 

I am requesting that these unverified and unauthorized collection accounts be deleted from all credit reports in accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and XXXX, which prohibits the use or furnishing of consumer information without lawful purpose or written permissons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am victim of Fraud and identify theft I hired a lady to help me with credit and she defrauded my bank accounts now I am reported to XXXX XXXX XXXX and XXXX  I call police to report her and was told it had to be dont online that was completed but the damage is done already in my name with my bank 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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I financed a vehicle on XX/XX/year>. I have been making my payments on time. The dealership called me on friday to stop in to go over paperwork. On Monday they sent me a txt threatening if I didnt come in they will repossess my car. This alarmed me to call my lienholder and they told me the dealership paid the balance and bought back my car. When I arrive at the dealership they tell me to sit down and put a contract in front of me. They tell me there was a glitch and they had to buy the car back and redo the paperwork. The contract states more for my car, less on my trade in, and more financed. They told me XXXX cant leave with my car without signing the new contract. They said they owned my car. I called my lienholder back to verify what they are saying but my account still says my name and vehicle and said balance paid in full. The lienholder says they cant give any information because the vehicle is the dealerships now. The dealership held me in their office for XXXX hours until I signed the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts reported by Experian. These items are being contested for accuracy, as some appear to have errors in reporting. Please investigate and verify the details, ensuring compliance with FCRA XXXX ( b ) and XXXX. 

XXXX. CHARGED OFF XXXX : Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$6200.00} XXXX XXXX : Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$890.00} XXXX. INQUIRIES XXXX XXXX  : Date Opened XX/XX/XXXX XXXX XXXX : Date Opened XX/XX/XXXX XXXX  XXXX AUTO FIN : Date Opened XX/XX/XXXX XXXX  MTG : Date Opened XX/XX/XXXX XXXX CARD : Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Date Opened XX/XX/XXXX XXXX AUTO : Date Opened XX/XX/XXXX XXXX. LATE PAYMENTS PREFERRED XXXX : Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am submitting this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my previous disputes. 
On multiple occasions, I have formally disputed inaccurate or unverifiable accounts appearing on my credit reports, specifically : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my written requests under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX, the credit bureaus have failed to provide proper verification or original documentation that substantiates the accuracy of the negative information being reported. 
The responses I received were generic and automated, lacking any supporting evidence such as : The original signed credit application, Detailed billing and payment history, Written notices of delinquency or correspondence from the creditor, Proof that these accounts were legally verified by the data furnisher. 

This violates my rights as a consumer under XXXX U.S.C. XXXX ( Reinvestigation of Disputed Information ) and XXXX ( a ) ( XXXX ) ( A ), which prohibit furnishing or maintaining inaccurate information once a dispute has been made. 

I have sent XXXX written disputes requesting reinvestigation and proper validation, yet the accounts continue to be reported without full verification. This continued reporting is causing harm to my creditworthiness and preventing me from obtaining fair access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-06 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to XXXX U.S.C. XXXX. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, Unknown - XXXX In accordance with XXXX U.S.C. XXXX, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-11-06 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I went to go buy a bed from acime in the electronic XXXX XX/XX/XXXX with the amount of XXXXapplicable taxes, but when I checked It today to see when It would be finished and payed off it hasn't moved since, I have payed XXXX ( I don't know the exact but that around what it is ) I tried to contacted them today but Everytime I called them It kept hanging up saying there was no company representative to talk to, no wait it just ends the call It says I still have about XXXX payments of XXXX every other week ( XXXX for automatic fees ) It says payoff amount is XXXX but over the phone it says XXXX so I do not know what's going on and why I'm being double charged for something I already payed off at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent this letter got no response. 



[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Creditors Name or Collection Agency ] [ Creditors Address ] [ City, State, ZIP Code ] Re : Request for Debt Validation Account Number : [ Account Number ] Vehicle Information : [ Vehicle Make, Model, Year, XXXX ] To Whom It May Concern : I am writing to request validation of the debt that you claim I owe, in connection with the vehicle described above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request written verification of this debt, including the following information : XXXX. The amount of the debt. 


XXXX. The name of the original creditor and their contact information. 


XXXX. A copy of the signed agreement or contract associated with this debt, demonstrating that I am legally responsible for the debt. 


XXXX. A detailed breakdown of any fees, interest, or charges that have been added to the principal amount. 



Until I receive the requested validation, I am disputing this debt and will not make any payments. Please be advised that under the FDCPA, you are required to cease any collection efforts until you provide the requested validation. Furthermore, any negative information reported to credit bureaus regarding this debt must be removed if it can not be validated. 

Please respond to this request within 30 days of receipt of this letter. If you fail to provide proper validation, I will consider this matter resolved and expect you to stop any further attempts to collect on this debt. 

I look forward to your prompt response. 

Sincerely, [ Your Name ] * * * I HAD ALL MY INFORMATION ON Their!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and obsolete information still appearing on my TransUnion credit report.

Charged Off / Public Records XXXX XXXX Account # XXXX, XX/XX/XXXX This account is older than XXXX years and should be removed. 

XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Also past the seven-year reporting limit. 

Bankruptcy File # XXXX, XX/XX/XXXX I dispute the completeness and accuracy; please verify the source and court reporting. 

Hard Inquiries The following inquiries appear unauthorized or unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I request that TransUnion verify the legitimacy of each or remove them promptly. 

Late Payments The following late payment entries are inaccurate or unverifiable : 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 2025-11-06 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: WI

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 response to consumer: Closed with non-monetary relief