vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marcadis Singer PA
State: FL

Complaint narrative:
I am disputing a debt being collected by Marcadis Singer, PA Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I exercised my right to request validation of the alleged debt. The law office provided documentation ; however, I dispute the accuracy, ownership, and validity of the alleged account.

Under 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until proper verification is provided. Despite my written dispute, I continue to receive collection letters from this office.

I am requesting that the CFPB review this matter and ensure the collector complies fully with the FDCPA and halts all collection activity until complete and verifiable proof of the alleged debt is provided in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 a victim of identity theft documented under FTC Report # XXXX. Fraudulent auto loans with XXXX XXXX ( {$29000.00} ) and XXXX XXXX XXXX XXXX ( {$51000.00} ) were opened without my authorization and continue to appear on my TransUnion report. 

I have provided TransUnion with the FTC Identity Theft Report, supporting documents, and my government identification as required under FCRA 605B. TransUnion has failed to block these accounts as required by law. These accounts are causing severe harm to my credit reputation and violate federal protections afforded to verified victims of identity theft. 

I am requesting immediate removal ( block ) of these fraudulent accounts and confirmation that my file has been corrected accordingly.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am writing to formally request a review and removal of negative information associated with my closed credit card account. This account has been closed for some time, yet it continues to reflect late payments and negative reporting that no longer represent my current financial situation or responsibility. 

During the period when those late payments occurred, I was facing financial hardship due to personal and medical circumstances that temporarily affected my ability to meet payment deadlines. Since then, my situation has stabilized, and I have worked diligently to improve my financial health and maintain a positive credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-23 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
In XX/XX/XXXX, I formally disputed a debt FCO was reporting related to a former lease with Lifestyle Properties in XXXX, NY. I submitted written disputes to FCO on XX/XX/XXXX and XX/XX/XXXX, and FCO acknowledged receipt by email, stating they would contact the creditor and update me with results. Despite this acknowledgment, I never received a response or verification from FCO.

During this time, FCO continued reporting the collection account to XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXX, marking it as verified. This violates the Fair Debt Collection Practices Act ( FDCPA 809 ), which requires a debt collector to provide verification upon dispute, and the Fair Credit Reporting Act ( FCRA 611 ), which requires credit bureaus and furnishers to investigate disputes and prohibits continued reporting of unverified information. 

The underlying charges from XXXX Properties are also disputed. XXXX improperly deducted cleaning and redecorating fees from my security deposit, despite my lease including a non-refundable cleaning/re-marketing fee. Under New York General Obligations Law 7-108, landlords may only withhold security deposits for actual damages beyond normal wear and tear and must return deposits within 14 days of lease termination. By relying on these unlawful deductions, FCO reported an invalid debt, causing prolonged credit harm and emotional distress.

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 2025-10-23 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
This letter serves as a formal notice regarding my consumer rights and the handling of my personal information under the Fair Credit Reporting Act ( FCRA ) and related federal privacy laws. 

According to 15 U.S.C. 1681, Section 602 ( a ), Congress recognized that consumer reporting agencies carry a serious obligation to handle information about individuals with fairness, impartiality, and respect for privacy. As a consumer, I am asserting my right to ensure that my personal data is handled in accordance with federal law.

Under 15 U.S.C. 6801, financial institutions and those who furnish information to credit reporting agencies have an ongoing responsibility to protect customers private, nonpublic information. This means they are required to maintain the confidentiality and security of that data at all times. 

Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer reporting agency may only release a report when it is done so with the written authorization of the consumer involved. I have not given, nor do I give now, any written consent to XXXX XXXX or any financial institution ( the furnisher of information ) to share or report my personal or financial data. 

Any and all forms of consentwhether verbal, implied, or writtenare hereby revoked effective immediately. 

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) requires that before any nonpublic personal information is disclosed to third parties, consumers must be notified of their right to opt out of such disclosures. I was not provided this option by any furnisher of information connected to these credit reporting agencies. 

It should also be noted that 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years in a report, unless otherwise specified by law. Reporting such information without my consent violates these federal protections.

Per 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no entity may furnish inaccurate or unverifiable information to a consumer reporting agency. In addition, 15 U.S.C. 1681e requires all consumer reporting agencies to implement reasonable procedures to prevent such violations. I have reason to believe that both XXXX XXXX XXXX  are not upholding this standard.

Lastly, 12 C.F.R. 1016.7 affirms that a consumer may opt out of data sharing at any time. This letter is my formal exercise of that right. I am opting out of all data reporting, sharing, or disclosure of my nonpublic personal information. 

I expect written confirmation that you have received this notice and that all unauthorized reporting activity concerning my information will cease immediately. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Law Offices of Timothy M. Sullivan
State: GA

Complaint narrative:
This letter serves as a formal notice regarding my consumer rights and the handling of my personal information under the Fair Credit Reporting Act ( FCRA ) and related federal privacy laws. 

According to 15 U.S.C. 1681, Section 602 ( a ), Congress recognized that consumer reporting agencies carry a serious obligation to handle information about individuals with fairness, impartiality, and respect for privacy. As a consumer, I am asserting my right to ensure that my personal data is handled in accordance with federal law.

Under 15 U.S.C. 6801, financial institutions and those who furnish information to credit reporting agencies have an ongoing responsibility to protect customers private, nonpublic information. This means they are required to maintain the confidentiality and security of that data at all times. 

Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer reporting agency may only release a report when it is done so with the written authorization of the consumer involved. I have not given, nor do I give now, any written consent to XXXX XXXX, or any financial institution ( the furnisher of information ) to share or report my personal or financial data. 

Any and all forms of consentwhether verbal, implied, or writtenare hereby revoked effective immediately. 

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) requires that before any nonpublic personal information is disclosed to third parties, consumers must be notified of their right to opt out of such disclosures. I was not provided this option by any furnisher of information connected to these credit reporting agencies. 

It should also be noted that 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years in a report, unless otherwise specified by law. Reporting such information without my consent violates these federal protections.

Per 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no entity may furnish inaccurate or unverifiable information to a consumer reporting agency. In addition, 15 U.S.C. 1681e requires all consumer reporting agencies to implement reasonable procedures to prevent such violations. I have reason to believe that both XXXX XXXX XXXX are not upholding this standard. 

Lastly, 12 C.F.R. 1016.7 affirms that a consumer may opt out of data sharing at any time. This letter is my formal exercise of that right. I am opting out of all data reporting, sharing, or disclosure of my nonpublic personal information. 

I expect written confirmation that you have received this notice and that all unauthorized reporting activity concerning my information will cease immediately. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
As attached on XX/XX/year> Bridgecrest sent me a statement that balance due was {$3300.00}. On aust XXXX, XXXX XXXX submitted a check for {$3400.00} leaving a credit for me of {$130.00}. I notified Bridgecrest when I had my accident on XX/XX/year> and the my car was totaled and would they put a hold on XXXX payment if insurance didnt pay. They did not send XXXX XXXX nor XXXX the proper documents in time and charged bogus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-23 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
XX/XX/scrub>XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Your Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Portfolio Recovery Associates , LLC. They are reporting one or more accounts on my credit report that I do not recognize. I requested validation of the alleged debts in writing, but they have failed to provide proper documentation verifying that I owe these accounts, or that they have the legal right to collect or report them.

Despite this, the company continues to report the accounts to the credit bureaus, negatively affecting my credit. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors to provide validation and to report only accurate, verified information. 
I am requesting that Portfolio Recovery Associates immediately provide full validation of the alleged debts or remove these accounts from all credit reports. I am also requesting that the CFPB review this matter to ensure the company is held accountable for any violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 writing to dispute multiple accounts appearing on my credit report that were opened or are being reported in my name without my authorization or knowledge. I did not open, authorize, or manage these accounts, and their presence is inaccurate and misleading. This matter has caused me significant concern.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
By reporting false late payments, the credit bureau failed to ensure the accuracy of the data published in my consumer report.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
XX/XX/year>XXXX  I called First Tech credit union to resolve my deceased husbands accounts. I was told that their estate processing department would need to return my call. The agent let me know that it might take a couple of days. 
One week and a day later, I called back to First Tech credit union, as I still had not received a phone call from them. I was told that they had everything that they needed. They know that I am my husbands heir, but that they are very busy. I was assured they would call me back. 
I called First Tech credit union yesterday, XX/XX/XXXX, again to follow up. I was told I would receive a phone call either later yesterday or today. No call received. 
XX/XX/XXXX, today its been three weeks since I have tried to make contact to resolve my husbands accounts. I have all the proper paperwork. 
Holding my husbands account ( s ) hostage and any information there of hostage from me for three weeks is unacceptable. As a financial institution, they are obligated to work with the customer and to give the customer their funds. 
Ive been Stonewalled and for what reason, I dont know. What I do know is that its outside of normal banking rules and regulations to not enable a customer to retrieve their funds/information like this. I want to lodge a complaint. 
I know this is unacceptable behavior by this financial institution and they need to be held accountable.

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