vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management. 

I have not received any validation or proof that this debt belongs to me, as required under FDCPA 809 ( b ). The account is being reported as a collection/charge-off with a balance of {$1700.00}, but no documentation or original agreement has been provided.

Under FCRA 611 and 607 ( b ), I am requesting that Midland Credit Management and the credit bureaus verify the accuracy, completeness, and ownership of this account.

If the account can not be verified with documentation showing my signature, original contract, and a full accounting of the balance, I request that this account be deleted from my credit report.

Lender : Midland Credit Management Balance : {$1700.00} Type : Collection / Charge-Off ( Other ) Requested Action : Remove if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Top Line Collectors LLC
State: FL

Complaint narrative:
A derogatory remark was placed on my credit report by Top Line in XXXX XXXX, NY. 
It is for a rental agreement debt that was opened in XXXX and last paid XX/XX/XXXX in New York City for the amount of {$18000.00} I have been a resident of the state of Florida for over XXXX  years and have not rented any dwelling in that time period. 

I have called and emailed them more than a dozen times and have left the same amount of voice messages as no one has ever answered or replied to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMacs response included information that is not at all relevant to my dispute, such as dates, times, and specifics of document requests for my mortgage assistance application. This does not address the issue my dispute concerns : my account was inaccurately reported as delinquent, and a late payment was reported, despite my repeated good-faith efforts to resolve the issue.

I was blocked from making payments through the portal because of my application being under review for mortgage assistance. I was never made aware by PennyMac that my portal would have limited function during this time and no representative ever informed me of the option to pay by phone until after the CFPB complaint.

I have been making my mortgage payments via PennyMacs online portal since my loan was transferred to them, as instructed by the servicer at that time. I was made aware today, XX/XX/year>, that alternative payment methods, such as payment by phone, were available. 

Timeline of my attempts to resolve the issue before escalating to CFPB : XX/XX/year> Contacted PennyMac customer complaint representative regarding inability to make payment via the online portal and questioned why my account was inaccurately reported to the credit bureaus. The rep stated the portal issue was user error and said she would look into it and get back to me. 

XX/XX/year> After receiving no update, I emailed the same representative. She called me, and I explained the same information as on XX/XX/XXXX. She said she would investigate and provide an update but did not explain why the account had been reported delinquent, and she mentioned nothing about an alternative payment method. I had been paying my mortgage through the portal for years and was unaware of the option to pay by phone. No other rep had mentioned this during my mortgage assistance review. After repeated failures to receive guidance from PennyMac, I escalated the matter to CFPB. 

XX/XX/year> Received PennyMacs response via CFPB indicating I could make a payment over the phone. I immediately called and paid the last two months. I also explained the situation, and PennyMac waived the late fee, which was appropriate since I had only just been made aware of the phone payment option. The delinquency reporting was unjustified, caused significant credit harm, and occurred while my mortgage assistance review was still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Complaint Summary : On XX/XX/year>, the credit bureaus ( Equifax, and TransUnion ) illegally reinserted a XXXX XXXX  account ( Account No. XXXX XXXX XXXX XXXX ) into my credit file. This account had previously been disputed, investigated, and deleted.

Under FCRA 611 ( a ) ( 5 ) ( B ), if deleted information is reinserted, the bureau must notify the consumer in writing within five ( 5 ) business days, provide the furnishers contact information, and comply with 609. I received no such notice.

Illegal reinsertion of deleted account.

No written notice of reinsertion.

Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ).

Requested Relief : Permanent deletion of the XXXX XXXX account from all credit files.

Written confirmation that safeguards are in place to prevent further illegal reinsertions.

A free updated credit report reflecting the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this urgent request for reinvestigation and deletion of inaccurate information that continues to appear on my credit report despite multiple prior disputes. I have already contacted both the credit bureaus and the furnisher ( s ) to correct these errors, but the inaccurate data remains.

These errors include late payments and/or account information that I have already proven to be incorrect or unverifiable. Despite providing supporting documentation, the accounts continue to report inaccurately, which is negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer report be accurate, complete, and verifiable. Since the furnisher and credit bureaus have failed to properly verify or correct the disputed information after multiple investigations, I am now requesting that the erroneous data be deleted immediately from my credit file. 

I have acted in good faith by submitting all requested documents and evidence during prior disputes, yet the errors persist. I am asking for immediate reinvestigation, written confirmation of the results, and permanent deletion of any unverifiable or inaccurate 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 non-monetary relief
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-31 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: TX

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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX XXXX # XXXX Dept of Ed/Advantage # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of education XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX Exeter # XXXX Credit Sys # XXXX XXXX U.S.C. 1681 Section 602 A. States I hae the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section XXXX : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of informaion, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-10-31 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: TX

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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX XXXX # XXXX Dept of Ed/Advantage # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of education XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX Exeter # XXXX Credit Sys # XXXX XXXX U.S.C. 1681 Section 602 A. States I hae the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section XXXX : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of informaion, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-10-31 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am writing to dispute an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all 3 credit bureaus. The account is being misreported across my credit files. I am requesting that this account be removed. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am disputing a collection account being reported by Aldous & Associates for an alleged XXXX XXXX membership. On XXXX XXXX, I mailed a formal debt validation request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), asking them to provide the validity of the debt. Specifically, I requested the signed membership agreement, proof of assignment from XXXX XXXX, a copy of their complete transaction history. 

To date, Aldous & Associates has failed to provide any of this required documentation but continues to report and verify account with the credit bureaus as " placed for collections. '' This violates my right under the FDCPA, as no proper validation has been provided. 

I am requesting the CFPB to review this matter to ensure the company ceases all collection activity and deletes this account from my credit report until they can properly validate it. Supporting documentation, including my dispute letter has been attached as well as proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am disputing how Goldman Sachs Bank USA ( issuer of the Apple Card ) handled repeated unauthorized/duplicate billing from XXXX / Apple Services on my Apple Card . 

I already have an XXXX XXXX Yearly subscription that is billed through Apple for {$69.00} per year. That yearly plan is fully paid and active through XX/XX/XXXX, and I already canceled renewal. That means I already paid for service through XX/XX/XXXX and I did NOT authorize any additional monthly XXXX plan, upgrade, trial, or add-on. 

Even though I am already paid through XX/XX/XXXX, XXXXApple continued to bill my Apple Card again . For example : {$19.00} from XXXX on XX/XX/XXXX at XXXXXXXX XXXX {$15.00} charges that Goldman Sachs labeled with different dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and even different merchant names I explained to Goldman Sachs that these are not separate/independent purchases. It is the SAME issue : XXXX/Apple trying to bill me again on top of a yearly plan that is already paid. I did not receive any new or additional service in exchange for these extra charges. 

I provided Goldman Sachs evidence, including : Screenshot of my Apple Subscriptions page showing XXXX Acrobat Premium Yearly, active through XX/XX/XXXX Confirmation that renewal was canceled and the plan is supposed to just continue until XX/XX/XXXX and then end Screenshot of the {$19.00} XXXX charge on XX/XX/XXXX A Federal Trade Commission consumer alert ( XX/XX/XXXX ) describing XXXX using hidden/deceptive subscription practices that trap consumers in charges they did not expect I also told Goldman Sachs : My attempt to reply by email was blocked ( their dispute email bounced back undeliverable ) On a prior call, I was put on hold and the call was disconnected When I finally reached a dispute specialist, she read my statement back to me, confirmed she attached my statement and screenshots to ALL of my active dispute cases, and said I did not need to submit anything else. She confirmed my position that I am not responsible for duplicate billing. 

After all of that, I began receiving notices from Goldman Sachs that my dispute ( s ) were being closed, saying I should resolve with the merchant, or saying the amount was under {$50.00}, and pointing to old/other dates. They are trying to close the disputes and push liability back to me instead of honoring my dispute and crediting the duplicate charges. 

I believe Goldman Sachs is not properly honoring my billing dispute rights. I acted in good faith, provided evidence, and made multiple attempts to resolve this directly with the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed as accurate, I ask that they be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: GA

Complaint narrative:
I have previously disputed the account identified as XXXX XXXX XXXX XXXX XXXXI with account number XXXX with the bureau because it's not mine, provided proof of identity and ask for verification and removal. But the furnisher continues to report the account as verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts No charged-off accounts currently listed for dispute. 

Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I dispute the accuracy and authorization of these inquiries. Please verify and remove any inquiries that can not be confirmed as authorized. 

Late Payments XXXX XXXX  Acct # : XXXX I dispute the accuracy of this late payment. Please verify with the creditor and remove if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

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  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ SXXXX XXXX ] Account Number : [ XXXX XXXX XXXX Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] XXXX Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief