vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
My wife and I previously rented from XXXX XXXX XXXX, managed by XXXX XXXX XXXX. We moved out on XX/XX/year>, and filed a dispute after receiving multiple inconsistent " Final Account Statements. '' We requested a lawful itemized accounting under Louisiana law and formally disputed the claimed balance in writing. 

On XX/XX/year>, we filed a small claims lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) for wrongful withholding of our {$400.00} security deposit. On XX/XX/year>, I emailed XXXX XXXX XXXX the court citation, clearly instructing them to cease direct communication and refrain from forwarding the disputed claim to collections while litigation was pending. 

On XX/XX/year>, the defendant ( XXXX XXXX XXXX ) filed its Answer with the court, confirming they were fully aware that the matter was under active litigation. Despite that, on XX/XX/year>, we each received separate collection letters from " Rent Recovery Solutions LLC '' attempting to collect the same disputed balance. 

This constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as the company knowingly referred a disputed, litigated debt to a third-party collector.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 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: IL

Complaint narrative:
I recently received an alert from my Experian credit report indicating that XXXX had reported my payment due on XX/XX/year>, as being 30 days late. I want to clarify that this information is incorrect. I made my payment on time, and in addition, I have arranged a plan for my future payments to ensure everything remains up to date. This discrepancy is concerning, and I believe it needs to be addressed promptly.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: IL

Complaint narrative:
this company charged off my account after trying to atttempt to collect money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I underwent treatment at XXXX XXXX XXXX XXXX XXXX. At the office I was given and asked to sign what was presented as an in-office financing form. I was explicitly told the financing would not affect my credit. I later discovered a {$4000.00} CareCredit account ( issued by Synchrony ) was opened in my name without my informed consent. The application was prefilled by staff and I was never shown or given a signed disclosure that this was a CareCredit credit card or that it would be reported to credit bureaus. 

I contacted XXXX XXXX XXXX XXXX XXXX and CareCredit/Synchrony and requested the signed application, all consent/disclosure documents, and proof that I knowingly agreed to open this account. They have not provided those documents or corrected my credit. This appears to be an unauthorized account opened by misrepresentation, and it has harmed my credit and caused financial and emotional distress. 

Requested remedy : close the account, remove any adverse reporting to credit bureaus, refund any charges, provide copies of the signed application and disclosures, and investigate XXXX XXXX XXXX XXXX XXXX and CareCredit/Synchrony for deceptive or fraudulent practices. If the CFPB finds evidence of fraud or criminal conduct, I request referral to law enforcement for further investigation.

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 2025-11-09 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: KY

Complaint narrative:
This is letter for MULTI-DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance. 

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a Metro 2 factual dispute regarding the inaccurate and unverifiable reporting of a {$0.00} balance collection account from XXXX XXXX. The account is still being reported as derogatory and account not in dispute across multiple credit bureaus, even though I have been disputing it for more than 90 days directly with Experian, TransUnion, and Equifax. 
Despite these ongoing disputes, OneMain and the credit bureaus have failed to provide any validation or supporting documentation, which constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance Standards. 
Major Reporting Errors and Inconsistencies : Balance Conflict : Account shows {$0.00} balance, yet remains marked as derogatory and collection.

Dispute Status : Incorrectly marked as Account Not in Dispute. 
Date of Last Activity ( DLA ) : Experian XX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These conflicting DLAs violate Metro 2 XXXX, which requires uniform data fields across bureaus. 
Date Reported : Experian XX/XX/XXXXXXXX XXXXXX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These inconsistencies demonstrate a failure to report data with maximum possible accuracy under FCRA 607 ( b ). 
This accounts data directly conflicts across all three bureaus and continues to be published without any validation or correction, violating : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Requires furnishers to mark disputed accounts as in dispute.

FCRA 611 ( a ) ( 1 ) ( A ) Requires reinvestigation within 30 days of dispute receipt.

FCRA 611 ( a ) ( 5 ) ( A ) Mandates deletion of unverifiable data.

Metro 2 4.2.2, 4.3.1, and 6.2.1 Require consistent factual reporting, validation of data sources, and correct coding of dispute indicators. 
Additionally, despite prior requests and disputes, no written validation or account documentation has been mailed or uploaded by XXXX XXXX. These continued inaccuracies have caused significant harm to my credit profile and violate both the FCRA and Metro 2 accuracy standards. 
This is not an identity theft claim, but a factual dispute backed by 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 2025-11-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPTEDXXXX ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I looked at my Experian credit report, and noticed some things are incomplete and not accurate. According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-11-09 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: OR

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately. 

XXXX XXXXXXXX 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously submitted letters to address errors on my XXXX  credit report, but no corrections have been made to date. Please review the documents and correspondence I provided regarding these 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 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
I informed both the original creditor and the debt collector that it is illegal to bill me for medical services because at the time of service I had/and still have XXXX XXXX medical insurance through the state of Wisconsin. I gave both parties my Medicaid insurance information and they both ignored it and continued to harass me by telephone. The bill was also over a year old when I first received notice. There was not a statement included in either of the companies bills that came to me in the mail. 

AMERICOLLECT , LLC XXXX XXXX XXXX XXXX WI XXXX Pay the balance shown below or call XXXX to make arrangements. 
CREDITOR NAME XXXX XXXX XXXX XXXX XXXX  LOCATION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BALANCE {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MD

Complaint narrative:
After reviewing my annual credit report, I discovered an {$810.00} account reported by National Recovery Agency that I do not recognize or owe. I contacted the agency directly, and a representative advised me to file a stolen identity report with my local police department. Instead, I filed a complaint with the XXXX  credit bureau to dispute the debt. 

I want to state clearly that I do not owe this debt. For the past two to three years, I have filed multiple complaints with the CFPB concerning the unauthorized use of my name and credit. 

I previously shared identifying information with another woman who has the same first, middle, and last name, as well as the same date of birth. This situation has caused repeated and serious complications. The other individual incurred infractions, including a warrant and traffic violations, which were mistakenly linked to me. 

These issues have extended beyond credit reporting. They have affected my credit, employment opportunities, and even my ability to renew my drivers license, which was restricted until the matter was resolved. I contacted the Pennsylvania XXXX XXXX and the XXXX  XXXX XXXX XXXX, who verified my identity and cleared the matter. 

Additionally, I have noticed medical bills and related accounts on my credit report that do not belong to me. I know this to be incorrect because I have not incurred a medical bill or used any of the listed facilities for more than 20 years. 

Despite taking strong protective stepssuch as security freezes, credit locks, and consistent monitoringI continue to face issues tied to my name and credit identity. This ongoing problem has led to declines in my credit scores and continued financial harm. 

I respectfully request that the CFPB investigate these identity and reporting issues, assist in removing false information from my credit reports, and help ensure that my personal and financial information is properly protected going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and data breach exposure, and my Navy Federal Credit Union accounts have been illegally recycled, resold, and re-reported by multiple collection agencies and debt buyers. 

I have received collection letters and credit reporting activity from at least XXXX different entities attempting to collect the same alleged XXXX XXXX debts : Absolute Resolutions I, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union ( as the original furnisher ) Each company has sent letters or emails claiming ownership of the same accounts some showing balances of {$580.00}, {$590.00}, {$6500.00}, and {$10000.00} all referencing Navy Federal Credit Union. 
This is clear evidence of debt recycling, false representation of debt ownership, and re-aging of accounts in violation of FCRA 605B, 611, 623 and FDCPA 807, 809.

The debt has been resold multiple times within short periods ( as shown by XXXX XXXX own letters dated XX/XX/year>, assigning accounts to both Absolute Resolutions and Resurgent Capital simultaneously ). 
I also received emails from XXXX XXXX and mailed notices from XXXX, both claiming to represent XXXX XXXX XXXX further proof that my personal data is being circulated and monetized by multiple parties. 

I have already filed identity-theft alerts and disputes with Experian, Equifax, and TransUnion, yet these entities continue to allow reinserted or duplicate tradelines to appear without the required written notice under FCRA 611 ( a ) ( 5 ) ( B ).

Violations Alleged 1. Multiple collectors attempting to collect the same alleged Navy Federal accounts. 
XXXX. Reporting of unverified and re-aged accounts on credit reports. 
XXXX. Failure to notify consumer of reinsertion after deletion. 
XXXX. Continued furnishing of data after written disputes. 
XXXX. Misrepresentation of the amount, legal status, and ownership of debt. 
XXXX. Breach of FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ), and FDCPA 807 ( 2 ) ( A ). 



Impact This repeated recycling has caused confusion, credit-score drops, and emotional distress. 
My XXXX, XXXX, and XXXX  scores have all been impacted by duplicate collections and repeated verifications despite clear contradictions between creditors own letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I financed a vehicle through Credit Acceptance Corporation in XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX, and the account is now closed. Despite the loan being fully satisfied, XXXX XXXX is rep

orting 23 late payments on the account. This reporting is harming my creditworthiness and does not reflect the fact that the loan was ultimately paid in full and closed in good standing. I am requesting... A full investigation into the accuracy of the 23 late payment entries Removal of any
entries that can not be fully validated Correction of the account history if errors or gaps are found Updated reporting to all bureaus A written notice confirming the results of XXXX XXXX investigation Consideration of a goodwill deletion, given that the loan is closed and paid in full I am asking the CFPB to intervene because XXXX XXXX has not addressed this matter directly, and inaccurate or excessive negative reporting violates my rights under the FCRA.

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 2025-11-09 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation