vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CREDIT COLLECTION SERVICE in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDIT COLLECTION SERVICE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in? 

Without proof of ownership or a chain of title, CREDIT COLLECTION SERVICE has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account. 

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into CREDIT COLLECTION SERVICE 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : CREDIT COLLECTION SERVICE Original Creditor : Progressive Alleged Account Number : # XXXX XXXX XXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX- the inquiry was not authorized. 
XXXX XXXX XXXX XXXX- the inquiry was not authorized. 
XXXX XXXX XXXX XXXX the inquiry was not authorized.

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 2025-11-20 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: OH

Complaint narrative:
I am filing a complaint regarding an account being inaccurately reported on my Equifax credit report by XXXX XXXX XXXX ( Account ending in XXXX XXXXXXXX ). 

On XX/XX/year>, I received the results of a dispute I filed with Equifax ( Confirmation # XXXX ). Equifax marked the account as Verified as Reported, but they did not provide any documentation, evidence, or actual verification from the furnisher to support this finding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
Regarding file : XX/XX/year>, Confirmation Number XXXX EQUIFAX remove the negative items off my credit report and then replaced it back without first sending me notification 15 days before doing so which is illegal to remove it and then place it back without notifying me in writing 15 DAYS BEFOR Please remove these accounts XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I wanted to pay off my account and tried several times to pin them down on an amount. Their staff is poorly trained, and many don't speak good XXXX. I finally got someone to give me an amount ; I paid off the card and closed it. XXXX weeks in a row I checked to make sure the account was closed and was assured that it was. I find out later that they not only didn't close the account, but they charged me a membership fee and have now sent it to a debt collector. This is the epitome of many things that are wrong in XXXX, it's pathetic how these companies get away with this and no one holds them accountable. I was trying to do the right thing by paying off this debt, thousands of dollars and this is what I get for it. A multimillion-dollar company, who only cares about money, not customer service or doing the right thing!!! I will not pay this fee that they are charging me after I paid the card off and was told multiple times that the account was closed! Someone needs to step up to the plate and take these companies on, it's wrong on so many levels how they take advantage of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XXXX, I lost my job and immediately contacted my mortgage company to request information about deferring my payment. I was told that the necessary paperwork would be mailed to me. During this time, I was actively seeking new employment and ultimately secured a job in Florida, while my current home and family remain in XXXX. 

After XXXX weeks passed without receiving the paperwork, I called the mortgage company again. My first call was disconnected while trying to speak with a representative. I called back immediately, explained my situation, and was told by the representative that as long as you get it paid in XXXX, it will not be reported as late. This was for the XXXX payment. This was a major relief, as it allowed me to prioritize my expenses responsibly during my employment transition. Based on that assurance, I made the payment as I received my first paycheck. 

Last week, while searching for rentals in Florida, I checked my credit score and discovered that my mortgage company had reported the payment as late, causing my score to drop by nearly XXXX points. This has drastically reduced my ability to secure housing and may require deposits I can not affordespecially with my family XXXX hours away depending on me to get settled. 

When I called to dispute the credit reporting, I was told not to file a dispute, as doing so would delay the process. I was assured the matter would be reviewed and that I would receive a follow-up call the following week. That call never came. When I followed up again, I was told only that the issue was still under review, with no further information or resolution.

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 2025-11-20 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ) and notify you of a possible data breach involving my personal information. 
Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Credit Report Date : XX/XX/XXXX Current Score : [ Your Score ] Items in Dispute : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Positive Date Opened : XX/XX/XXXX Balance : {$3000.00} Reason for Dispute : The account may contain inaccurate reporting. Please verify the information and ensure it complies with FCRA Section 607 ( b ), requiring accuracy in reporting. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Negative Date Opened : XX/XX/XXXX Balance : {$620.00} Reason for Dispute : The account is inaccurately marked as charged off. Additionally, there are discrepancies in the payment history that may violate FCRA Section 623 ( a ) ( 1 ) ( A ). Please ensure accurate reporting of the balance and payment status. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Negative Date Opened : XX/XX/XXXX Balance : {$320.00} Reason for Dispute : The charge-off status and the associated late payments reported on this account appear to be incorrect. This violates FCRA Section 605, and there may be unauthorized access to my information.

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 2025-11-20 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom Mortgage purchased my mortgage from XXXX XXXX - Without my consent or knowledge of transaction. My neighbor brought me my mail XXXX months later with a delinquent notification on my mortgage balance. I contacted Freedom Mortgage and they blamed XXXX XXXX for the error of sending all notifications to the wrong address. ALL of this happened without my knowledge as the notice of sale went to my neighbors house. 

I called Freedom Mortgage to fix this situation and they refused to take any accountability or responsibility for the errors in the delinquent account and again, fully blamed XXXX XXXX. I then changed my mailing address to ensure it was correct, and paid the balance. They assured me this wouldn't be reported to the credit bureau at all since it was taken care of. Again - the first I knew about it. 

Then, this very same situation happened yet again XXXX months later 100 % verbatim. Freedom Mortgage Didn't make the address changes after I called in and spoke to a representative to ensure the address change was completed and I had another delinquent account with them. They refused to help me with the situation blaming me and XXXX XXXX for the errors. 

I did not consent to my mortgage being sold. I was not aware there was a sale of it or the information was transferred incorrectly, without my knowledge to proactively prevent this error from happening, as they were sending the mail to my neighbor down XXXX XXXX. 

I want Freedom Mortgage to fix this by withdrawing these delinquent claims off of my credit report Immediately and fix this situation as well.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The below inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Was harassed by the company GM Financial, receiving more than XXXX calls within a 7 day period which is stated to be against the fair debt collection act. The calls were between Thursday the XXXX of XXXX starting at XXXXXXXX XXXX XXXX  and the XXXX call was received Thursday the XXXX of XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: GA

Complaint narrative:
You are reporting inaccurate information on my consumer report. You refuse to provide me with the purchase agreement showing my wet signature. Until you provide me with the following ( letter attached ). This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. 6 1681c-2 ) that you the TransUnion, Experian, Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan at XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXXXXXX account XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank called to alert me that a credit card application was filed in my name and asked me to verify. I was hesitant to give personal information at that time so I checked my XXXX  report and it showed a hard inquiry from Citibank that I didn't initiate. I called XXXX  and started a fraud investigation. Later called Citibank and was told that a Citibank Double platinum card was applied for with my name and social security number. Their fraud dept flagged it and reached out to me. After speaking with someone there and told them it wasn't me, they shut it down but couldn't give me any additional information. 
I have since placed a credit freeze with all 3 bureaus but am very concerned about this happening.

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