vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: OK

Complaint narrative:
Koalafi is reporting a lease account as charged off while still listing it as an active derogatory collection account on my credit reports. This is inaccurate, misleading, and extremely damaging. If the account was truly charged off, that means Koalafi already wrote it off as a loss and closed it. Continuing to report it as though it is an open collection creates a contradiction and inflates negative reporting against me. 

I never signed any agreement that allowed Koalafi to continue damaging my credit after charging this account off. I also never consented for my personal information to be shared, reported, or re-aged in a way that continues to harm me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers must ensure that the information reported to the credit bureaus is accurate and verifiable. Under 1681i, they must also conduct a full and fair reinvestigation when a consumer disputes. Koalafi has not done this.

I have previously disputed this account, yet Koalafi continues to report it with notations such as charged off as bad debt, profit and loss write-off, and collection/chargeoff. These statements contradict one another. If the account was written off as a profit and loss, then Koalafi has already declared it uncollectible. Reporting it as a derogatory debt after it was written off is deceptive and misleading.

Koalafi has failed to provide : A copy of the original signed lease agreement with my wet signature.

Proof that I ever authorized for this account information to be shared or reported after it was charged off.

Documentation verifying that the information currently being furnished is accurate, complete, and up to date.

A proper reinvestigation in response to my disputes, with verifiable documentation, instead of generic responses.

This practice is abusive, harmful, and a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy and enforceability of a loan tradeline currently being reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is void under XXXX XX/XX/XXXX XXXX XXXX. The attached Final Disclosure from XXXX XXXX shows funds were disbursed directly to XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order against XXXX and its CEO, permanently banning them from all consumer-lending activities and requiring relief for any XXXX-related financing agreements prior to XXXX. Because this loan is directly tied to XXXX and originated prior to XXXX, it is void and unenforceable under federal law. https : //www.consumerfinance.gov/XXXX 2. Lack of Borrower Authorization. I never signed or authorized this loan. Ascent claims a XXXX record exists, but I dispute the validity of that signature and request full audit logs. XXXX entirely misrepresented the loan as an XXXX, a risk free way to learn and pay later once you land a job. Without proof of my valid consent, the loan can not be legally reported. I at no point ever have spoken to ascent prior to this, and XXXX took this loan from them. These inconsistencies further call into question the accuracy of the information being reported to your bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MD

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and inconsistent reporting of the above-referenced account by XXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports. 

Upon reviewing my credit files from TransUnion, Experian, and Equifax, I found multiple reporting discrepancies that prove the account is being reported inaccurately and in violation of the FCRAs requirement for accurate and verifiable information. The following issues exist : Different Statuses Reported : TransUnion reports the account as Payment after charge-off/collection and Settled for less than full balance.

Experian reports it as Account legally paid in full for less than the full balance. 

Equifax reports it as Paid charge-off. 

These are conflicting outcomes for the same account. An account can not simultaneously be a charge-off, settled, and paid in full. 

Date Inconsistencies : TransUnion shows the Date of Last Activity as XX/XX/XXXX, with a Date Reported of XX/XX/XXXX. 

Experian reports it as opened on XX/XX/XXXX but last reported XX/XX/XXXX ( a date that has not occurred yet ). 

Equifax shows a Date Reported of XX/XX/XXXX, which is also impossible and inaccurate. 

Balance & High Balance Conflicts : TransUnion reports a high balance of {$1200.00} and a credit limit of {$900.00}. 

Experian and Equifax both report a credit limit of {$900.00} but show a balance of {$0.00}, without reconciling the {$1200.00} figure. 

These inconsistencies across the three major credit bureaus demonstrate that XXXX XXXX and the credit reporting agencies are furnishing unreliable and unverifiable information, which directly violates the FCRA. 

Since the information can not be verified or consistently reported, I am requesting the CFPBs assistance in having this account removed in its entirety from my TransUnion, Experian, and Equifax credit reports. 

I am requesting deletion of this tradeline due to the clear inaccuracies and failure to maintain proper reporting standards.I HAVE INCLUDED THE PROOF DIRECTLY FROM MY CREDIT REPORT ALONG WITH MY ID

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 2025-08-30 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 filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and inconsistent reporting of the above-referenced account by XXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports. 

Upon reviewing my credit files from TransUnion, Experian, and Equifax, I found multiple reporting discrepancies that prove the account is being reported inaccurately and in violation of the FCRAs requirement for accurate and verifiable information. The following issues exist : Different Statuses Reported : TransUnion reports the account as Payment after charge-off/collection and Settled for less than full balance.

Experian reports it as Account legally paid in full for less than the full balance. 

Equifax reports it as Paid charge-off. 

These are conflicting outcomes for the same account. An account can not simultaneously be a charge-off, settled, and paid in full. 

Date Inconsistencies : TransUnion shows the Date of Last Activity as XX/XX/XXXX, with a Date Reported of XX/XX/XXXX. 

Experian reports it as opened on XX/XX/XXXX but last reported XX/XX/XXXX ( a date that has not occurred yet ). 

Equifax shows a Date Reported of XX/XX/XXXX, which is also impossible and inaccurate. 

Balance & High Balance Conflicts : TransUnion reports a high balance of {$1200.00} and a credit limit of {$900.00}. 

Experian and Equifax both report a credit limit of {$900.00} but show a balance of {$0.00}, without reconciling the {$1200.00} figure. 

These inconsistencies across the three major credit bureaus demonstrate that XXXX XXXX and the credit reporting agencies are furnishing unreliable and unverifiable information, which directly violates the FCRA. 

Since the information can not be verified or consistently reported, I am requesting the CFPBs assistance in having this account removed in its entirety from my TransUnion, Experian, and Equifax credit reports. 

I am requesting deletion of this tradeline due to the clear inaccuracies and failure to maintain proper reporting standards.I HAVE INCLUDED THE PROOF DIRECTLY FROM MY CREDIT REPORT ALONG WITH MY ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
CFPB Complaint Against XXXX XXXX ( XXXX XXXX  ) Issue : Debt collection on a fraudulent, disputed loan Sub-Issue : Attempting to collect on a mortgage under formal fraud investigation ; disregard for federal notice of dispute Summary of Complaint : I am filing this complaint against XXXX XXXX ( also known as XXXX XXXX  ) for continuing unlawful debt collection efforts on a VA loan that was formally disputed as fraudulent prior to and after their loan servicing transfer. 

XXXX XXXX knowingly assumed servicing of my loan in XXXX, after I had already begun reporting widespread fraud, forged documents, and contractual irregularities related to the home sale and loan approval with the prior lender ( United Wholesale Mortgage ). I also disclosed : Dual contracts used at closing ( buyer vs. seller version ) Forged receipts used to justify inflated property value Undisclosed structural hazards and falsified inspection results Ongoing formal complaints filed with CFPB, VA, HUD, and state agencies I submitted this information directly to XXXX XXXX upon their assumption of the loan. Their representatives acknowledged the dispute and assigned a fraud investigator ( name possibly XXXX XXXX in XXXX or XX/XX/year>. Despite this, XXXX XXXX : Failed to flag the loan as disputed in their system Continued to issue payment demands and mortgage statements Offered a loan modification in late XXXX, even though the contract is invalid Reported negative activity to credit bureaus tied to a loan under federal dispute Continued debt collection activities, including risk of foreclosure, in violation of federal consumer protection laws Deeds with no dates of signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
I was staying at a XXXX  living house when I was accused of failing a XXXX  screening they forced me to go to XXXX and get a XXXX  screening I have medical insurance I didnt voluntarily want to have to do that like I said I was forced to or id be homeless. The fact that I have health insurance this shouldve been covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: DE

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
To Whom It May Concern, I am writing in regard to an account that your company is reporting to the credit bureaus under my file. I formally disputed this account and requested validation under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

As of today, you have failed to provide any documentation proving that this alleged debt is valid, that you have the legal right to collect it, or that the information being furnished to the credit reporting agencies is accurate. The law requires that you provide proper verification within 30 days, yet no such evidence has been produced. 

By continuing to report this unverified account, you are in violation of both the FCRA and the FDCPA. This is damaging to my credit profile and constitutes unlawful collection activity.

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 2025-08-30 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:
To Whom It May Concern, I am writing in regard to an account that your company is reporting to the credit bureaus under my file. I formally disputed this account and requested validation under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

As of today, you have failed to provide any documentation proving that this alleged debt is valid, that you have the legal right to collect it, or that the information being furnished to the credit reporting agencies is accurate. The law requires that you provide proper verification within 30 days, yet no such evidence has been produced. 

By continuing to report this unverified account, you are in violation of both the FCRA and the FDCPA. This is damaging to my credit profile and constitutes unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, rent was due in the amount of {$1300.00} but since I was scheduled for my lease to end on XX/XX/XXXX, I realized my prorated rent should have been lower. I went to the front office and notified them at my earliest convenience and the lease consultant sent over a link so that I can pay my rent directly. I asked why its not reflecting in the portal and they stated that it was because I was not entered into the system as move out and they can not update so I would just have to wait until I move out. I constantly ask them if everything was ok because the portal was not fixed and they said they made a notation on my account and the property manager was aware. Once move out day comes, i sign the document and handover all keys and I ask them if there is more that needs to be paid and they stated no and the property manager knew of the account. I received a forwarding notice in the mail stating that I owed them {$130.00}. I called them immediately and asked what it was about and the lady on the phone stated that my balance was {$0.00} and I still didnt need to pay. She said that the property manager still had not updated it so i should disregard. 
We are here now in XXXX and I now have a lower credit score because of this and I have even received email from the area at Park at XXXX stating that there was error and I owed no money. I sent that document over to the collector and filed dispute immediately that showed my balance is {$0.00} and the area manager sent it to the collections department. I received notice from the debt collector again stating that this debt belong to me and it needs to be paid. They have completely ignored my correspondence not only directly from the creditor but from me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is attempting to collect a debt I do not owe and do not recognize. On XX/XX/year>, I sent a certified letter formally disputing this alleged debt and requesting validation. Despite this, FCO continues collection activity and is reporting inaccurate information to credit reporting agencies.

I never received any notice of the debt as required under FDCPA 1692g, meaning they failed to inform me of my right to dispute before pursuing collection. I have not supplied proof under the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), therefore no valid debt exists. 
I demand immediate investigation, removal of inaccurate reporting, and enforcement action to prevent further unlawful collection practices

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 2025-08-30 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information currently appearing on my credit report. The following accounts do not belong to me, and I have no knowledge of or involvement with them. I believe these accounts are the result of identity theft or a reporting error : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open, authorize, or consent to any of the above accounts. These items are inaccurately listed under my credit profile and are damaging my credit history.

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office conduct a full investigation into these accounts, verify their legitimacy, and remove them from my credit file immediately.

Please confirm in writing once these corrections have been made. I am also requesting that you provide me with an updated copy of my credit report once the disputed items are removed.

Thank you for your prompt attention to this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information currently appearing on my credit report. The following accounts do not belong to me, and I have no knowledge of or involvement with them. I believe these accounts are the result of identity theft or a reporting error : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open, authorize, or consent to any of the above accounts. These items are inaccurately listed under my credit profile and are damaging my credit history.

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office conduct a full investigation into these accounts, verify their legitimacy, and remove them from my credit file immediately.

Please confirm in writing once these corrections have been made. I am also requesting that you provide me with an updated copy of my credit report once the disputed items are removed.

Thank you for your prompt attention to this matter?

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