vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In XXXX, I brought two kittens to XXXX XXXX XXXX XXXX XXXX due to a medical emergency. I did not have any money at the time, but the clinic insisted that I sign documents under duress. One of the kittens was euthanized without my knowledge or consent. The other kitten was treated and survived.

I never agreed to the full extent of services or the cost, and I was not informed about my options. I felt coerced into signing because I was told the remaining kitten might die without immediate intervention. 

Now, I am being pursued for a debt of {$830.00} by Transworld Systems Inc. I do not believe I legally or ethically owe this amount. This was not a situation where I had the freedom to make an informed financial choice it was an emotional and medical emergency, and I was left with no other options. 

I believe this is an unfair and predatory attempt to collect money from someone who was forced into a desperate situation. I request that this debt be removed and no further collection efforts be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
I had a friend answer my phone when receiving a call from an unknown number. When my friend attempted to get the name of the company the caller was with, the debt collector assumed it was I, and gave my friend my name and my date of birth without confirming who they were talking to first. As Im aware, this is a violation of personal identifiable information. Not only that, but at the end of the call, the debt collector stated that they were marked that call as a refusal even though they were not speaking with me.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts were charged off on the year XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
These accounts were charged off on the year XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I disputed an item from Central Porfolio Cont, and the item was removed. The item has now reappeared on the report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
I am submitting this formal complaint regarding a collection account reported by Equifax under the name XXXX XXXX XXXX XXXX with account number XXXX, originally opened on XX/XX/2024 for the amount of {$230.00}. I am disputing the accuracy and validity of this tradeline for multiple reasons. 

First and foremost, I have not received any prior validation or verification of this debt directly from the collection agency, nor any original creditor documentation to substantiate the legitimacy or ownership of this debt. I have no recollection of ever owing a debt to this company, nor was I provided the required notices under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which obligates a debt collector to validate a debt when requested.

Secondly, Equifaxs reporting of this item, without properly verifying the legitimacy or providing supporting documenta
tion upon dispute, is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to perform a reasonable reinvestigation when a consumer notifies them of inaccurate or incomplete information. 

The continued appearance of this unverified and potentially inaccurate collection is unjustly harming my credit score and does not reflect my actual credit obligations or payment history. It creates the false perception that I have failed to pay a valid debt when that is not the case. I consider this reporting to be both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/year> I was charged for a rental that did not receive and the company didnt accept Chime as credit card and it doesnt state that anywhere on the websites!!! The credit card had the funds available and they took it. Keep denying my every XXXX  days Ive disputed twice. I have way more documentation that the system will allow me to upload. Chime as them as well and still acts like nothing wrong has happened!! Ive been robbed!!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-18 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX To : Date : [ XX/XX/year> FOX COLLECTION CENTER XXXX XXXX XXXX, TN XXXX Phone # : XXXX {$4900.00} Subject : Formal Dispute & Request for Deletion Charged-Off/Closed Account Re : Account # : XXXX * * * * This letter is a formal dispute and demand for deletion of the above-referenced account, which is currently listed as charged off and/or closed on my credit report. 

I dispute the validity of this debt for the following reasons : I have no record of a signed agreement with your company. 
You have failed to validate the debt after my previous requests. 
I have not received any documentation proving your legal right to collect or report this debt. 
You have reported this negative account to credit bureaus without establishing its accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This charged-off/closed account is having an unfair negative impact on my credit report. Under the FCRA, you are required to report only accurate, verifiable information. If you can not provide a signed contract and proof of your authority to collect, you must remove this account. 



I am now demanding the following : XXXX. That this account be immediately deleted from all credit bureaus, including XXXX, XXXX, and XXXX. 
XXXX. That you cease reporting this debt in any form. 
XXXX. That you send me written confirmation that this account has been removed. 

If you do not comply with this request within XXXX business days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider taking legal action under the FDCPA and FCRA, seeking statutory and punitive damages. 

This is a final opportunity to resolve this issue voluntarily and in compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MA

Complaint narrative:
I am formally disputing a collection account being reported by L J Ross Associates for a balance of {$5600.00} allegedly owed to XXXX XXXX. I dispute the validity, amount, and accuracy of this tradeline. I have no agreement, no recollection, and no supporting billing records for this debt.

Under FDCPA 1692g ( b ), I exercised my right to request full debt validation. L J Ross failed to provide : A signed agreement or contract for services ; Complete itemized billing history supporting the {$5600.00} balance ; Proof of legal assignment or agency authority from XXXX XXXX ; The Forward Flow or Purchase Agreement; and Licensing credentials to legally collect debt in my state. 

Despite this, the agency continues to report this account to credit bureaus, which violates : FCRA 1681e ( b ) Data must be complete and accurate ; FCRA 1681s-2 ( b ) Furnishers must properly investigate and correct data ; FCRA 1681i ( a ) ( 5 ) Data must be deleted if unverifiable within the dispute window ; FDCPA 1692e ( 8 ) Illegal to report disputed or false debt.

L J Ross is likely non-compliant with XXXX XXXX Format reporting rules ( especially Fields 17, 39, and 78 ) and may not have validated the account correctly through E-Oscar CDV reinvestigation procedures. 

Additionally, this collection is based on a last payment date of XX/XX/XXXX, and appears to be aged, unverifiable, and re-aged based on the date opened ( XX/XX/XXXX ). This is potentially misleading and deceptive under Massachusetts General Laws c. 93 54A and c. 93A 2, which adopt and enforce the federal FCRA.

I refer you to relevant case law, including : Cushman v. TransUnion ( 3d Cir. 1997 ) Dennis v. BEH-1, LLC ( 9th Cir. 2008 ) Evantash v. G.E. Capital ( E.D. Pa. 2001 ) These cases confirm that a data furnisher must provide original documentation or face mandatory deletion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
company said inquires are verified and didn't really investigate scam company

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 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I, XXXX XXXX, am formally disputing several items listed on my Experian credit report dated XX/XX/year>. These accounts include multiple charged-off and collection entries that I believe are inaccurate, incomplete, outdated, or unverifiable under the law. 

Some accounts show long periods of delinquency or charge-off status despite a lack of recent activity or appropriate updates. Others may have been settled, discharged, or are being misreported in violation of federal credit reporting standards. I have not been provided with sufficient documentation to validate these debts as accurate or legally collectible.

Under the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) requires Experian to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice.

1681i ( a ) ( 5 ) ( A ) mandates that if the disputed information can not be verified during that investigation, it must be promptly and permanently deleted from the consumers credit file.

1681s-2 ( b ) places obligations on data furnishers ( the companies reporting the debts ) to investigate and correct inaccurate data when notified.

I am exercising these rights and requesting full reinvestigation and, where appropriate, permanent deletion of all unverified or erroneous items from my credit file. Continued reporting of inaccurate or unverifiable data may constitute willful noncompliance with the FCRA, subjecting XXXX or furnishers to civil liability under 1681n and 1681o.

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 monetary relief
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 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: GA

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 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health & According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt!

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