vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XXXX XXXX I responded to request made by XXXX XXXX to settle this debt for {$3000.00}. 
I paid {$3000.00} on XXXX XXXX. 

Several years later, a collection account appeared on my account and I reached out to the collection agent and requested validation and it was not received so I didn't know who the primary debtor was.

Covid was crashing my business and my husband had a XXXX XXXX and I lost track until recently when I decided to return to work after my husband passed away. My credit score is making it a challenge to find work.

I now know that XXXX XXXX turned this account over to Midland credit. 
I asked for debt verification because I thought I had paid XXXX XXXX off in XXXX. 

I have not received the payment history and believe the {$3000.00} that was to be a final payment was never posted to the account.

I asked the 3 credit bureaus to intervene and the debt comes back verified but no one can tell me why the XX/XX/XXXX payment didn't settle the debt or was posted to my account.

If the amount reported owing after the {$3000.00} payment was received in XX/XX/XXXX the reported date of first delinquency is being reported incorrectly as XX/XX/XXXX. Additionally, the status of collection account XX/XX/XXXX would leave a creditor t

o believe the account is 3 years newer than it is and I believe is an attempt to re age the debt. I have attached payment history for XXXX XXXX, verification of debt from XXXX XXXX report XX/XX/XXXX, Midland credit dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-12-27 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: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items appearing on my consumer credit file. Despite prior disputes, these items continue to be reported without proper verification, causing significant harm to my credit profile. This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this alleged charge-off account, and no proper verification has been provided. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( b ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} This charge-off has not been properly investigated or validated. 
Violations : FCRA 611 ( a ), 623 ( a ) ( 1 ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Charge-off reporting lacks proper documentation and verification. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( b ) Demand : Immediate deletion XXXX XXXX XXXX XXXX Account # : XXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} I have no knowledge of this charge-off account and no valid proof has been provided. 
Violations : FCRA 611 ( a ), 623 ( a ) ( 1 ), 623 ( b ) Demand : Immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off reporting on a XXXX-balance account is inaccurate and misleading. 
Violations : FCRA 623 ( a ) ( 1 ), 611 ( a ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late payment history is inaccurate and has not been properly verified. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( b ) Demand : Correction of inaccurate late payment history XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$68000.00} Late payments are being reported inaccurately and without proper investigation. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ), 623 ( b ) Demand : Correction of inaccurate late payment history CXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting late payments on a XXXX-balance account is inaccurate. 
Violations : FCRA 623 ( a ) ( 1 ), 611 ( a ) Demand : Update or correct inaccurate reporting The continued reporting of these inaccurate accounts demonstrates a failure to comply with federal law. I respectfully request that the CFPB investigate these matters and require the immediate correction or deletion of all unverifiable and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I reviewed my credit report and identified a collection account reported by The Bureaus Inc., with XXXX XXXX  listed as the original creditor, showing a balance of approximately {$940.00}. 

After identifying this account, I requested validation of the alleged debt, including proof of ownership, the original contract, and itemized billing. Despite this request, no validation or supporting documentation has been provided. 

As of XX/XX/XXXX, the collection account continues to be reported to consumer reporting agencies and collection activity has continued without verification of the debts accuracy or ownership. 

Continuing to report and attempt to collect an unvalidated debt is inaccurate and misleading. I am disputing that this debt is owed and am requesting appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I have attempted to file for payment assistance with Rocket Mortgage. I have submitted all required documents. I call every couple of weeks and they tell me they have everything they need and that a decision as to what programs are available to me will be decided in 5 days. 
There are two people on the mortgage and I have lost my jog. After about two months, they sent me a notice they needed my pay stubs. I called and informed that the reason for the request is that I lost my job. They forwarded over this fact to " underwriting ''. Still no response after another two weeks. This has been going on for over three months. I feel this is deliberate as they want me out of my low interest mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  handling of my disputed auto loan account ending in XXXX. 

I submitted multiple written disputes requesting lawful validation of the alleged debt, including proof of ownership, chain of title, and confirmation or denial of any sale, transfer, assignment, or securitization of the account. XXXX XXXX responded only by providing a copy of the retail installment contract and asserting that the contract validated the debt. 

XXXX XXXX did not provide proof that it is the current owner or holder of the alleged obligation. It did not provide any bill of sale, assignment, chain of title, or sworn affidavit establishing standing. It also failed to confirm or deny whether the account was sold, transferred, pledged, or securitized, despite those issues being specifically raised in my disputes. 

On XX/XX/year>, XXXX XXXX  acknowledged receipt of a cease and desist request that I never initiated. On XX/XX/year>, XXXX XXXX  stated that the matter was closed without addressing the substance of my dispute. Despite unresolved disputes and the absence of ownership verification, XXXX XXXX continues to furnish information about this account to consumer reporting agencies. 

Furnishing disputed information without conducting a reasonable investigation or substantiating ownership raises concerns under the Fair Credit Reporting Act. Representing a contractual obligation without demonstrating current legal standing is misleading and unfair to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: AZ

Complaint narrative:
I am disputing a medical debt being reported by CRDT SVC INT related to an emergency room visit at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona on XX/XX/year>. 

The debt is being reported inaccurately and inconsistently. I received multiple billing statements showing conflicting balances, including an original bill of {$5200.00}, a later statement showing {$1200.00}, an alleged adjustment of {$580.00}, and a stated total balance of {$630.00}. These amounts do not reconcile and are contradictory. The bill I have on my report now in collections is {$5200.00} so all these bills are inconsistent & this account needs to be taken off my report asap!!! 

Due to the inconsistent and unclear billing, I was unable to determine the correct amount owed. I was never provided a clear, accurate, itemized bill validating the charges. Despite this, CRDT SVC INT is reporting the debt to the credit bureaus. 

Reporting an unverified and inaccurate balance violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the duty to report accurate information and to conduct a reasonable investigation upon dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
b'I am filing this complaint against Professional Account Management (PAM) for violations of the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C.  1692e.\n\n1. Misrepresentation of Debt (Physical Impossibility) Professional Account Management (PAM) is attempting to collect a XXXX XXXX XXXX based on 11 traffic violations. The evidence photographs for every single violation in the record identify the vehicle involved as a XXXX.\n\nI have never owned or registered a XXXX. My PennDOT registration history, which is a matter of public record, confirms that I have never had any legal association with a vehicle of that make or model. Under PA Title 75  3370, liability for automated enforcement is restricted to the owner of the vehicle. By pursuing a non-owner for this debt, PAM is misrepresenting the character and legal status of the debt in direct violation of 15 U.S.C.  1692e.\n\n2. Reliance on Procedurally Flawed Adjudication The underlying adjudication process used to establish this debt was compromised by official misconduct. During a hearing at XXXX XXXX XXXX XXXX (late XXXX XXXX XXXX), a Hearing Officer was caught on an active audio feed XXXX XXXX XXXX broadcast to the public waiting area. The officer was clearly recorded scoffing at defendants and making disparaging remarks to a clerk regarding the public immediately before my case was called. This documented bias resulted in a failure to review the objective evidence of the vehicle registration mismatch.\n\n3. Request for Resolution I have formally disputed this debt via XXXX  Signature Tracking (XXXX XXXX XXXX XXXX XXXX XXXX XXXX). I demand that PAM cease all collection activity and void this fraudulent record due to the verified vehicle mismatch.'

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 2025-12-27 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I was at work from XXXX and at the time XXXX different charges of {$99.00} were made from my bank totaling to {$790.00}. I could not authorize these charges as I was at work in a completely different location that the charges were made in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I signed up on XX/XX/year>. My intention was to send {$1500.00} to my brother in law in XXXX for XXXX gift. Initially, I was not able to complete the transfer. I contacted Remitly customer service and was asked a few questions about the nature/purpose of my transfer. I was told by the representative to use the service I would not to provide an identification selfie ( me holding my passport ) and a copy of a bank statement. I wasn't completely comfortable sharing this information, especially since they did not have a secure method for me to provide ( they simply asked me to share via unencrypted email. I really wanted to send the funds so I complied. Remitly received and reviewed the information I provided and told me I would not be allowed to use their services. They refused to provide an explanation. I explained that since I had shared confidential information at their request, I expected to be able to use the service or to be provided an explanation about the policy that resulted in my not being allowed to use the service. Otherwise, it felt like they were just trying to obtain my confidential information without providing anything in exchange. They still refused to provide information or allow me to use the service. As a financial institution, I feel they should have a secure method for potential customers to share sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-27 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION AND/OR DELETION OF INACCURATE LATE PAYMENTS FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal and aggressive demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate, unverified, and/or improperly reported late payments currently appearing on my Equifax consumer credit report.

After carefully reviewing my Equifax credit file, I have identified multiple late payment entries that are inaccurate, misleading, and not properly verified, thereby causing measurable harm to my creditworthiness. These entries violate federal law and must be corrected or deleted immediately. 

ACCOUNTS IN DISPUTE Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Reporting : Late payments reported for XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX FCRA VIOLATIONS Your continued reporting of these late payments violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or correct unverifiable or inaccurate information Unless Equifax can produce competent, first-hand documentary evidence ( not automated or third-party data ) proving the accuracy of each late paymentincluding original billing statements and proof of timely noticethese entries must be deleted.

FORMAL DEMAND You are hereby demanded to take the following actions : 1. Immediately delete or correct all inaccurately reported late payments listed above 2. Provide written confirmation of the corrections made 3. Disclose the method of verification used, including the name, address, and telephone number of any furnisher involved Failure to comply within 30 days of receipt of this notice will result in further action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the Federal Trade Commission ( FTC ) Filing complaints with my State Attorney General Pursuing civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o This letter is not a request. It is a lawful demand for compliance under federal statute. 
Govern yourselves accordingly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
Victim  of XXXX  Data Breach ( Case No. XXXX ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING LACK OF REQUIRED IDENTIFYING INFORMATION MANDATORY ACTIONS REQUIRED XXXX. Provide a written statement of deletions mailed to my legal address within 5 business days.

2. Ensure no reinsertion of deleted accounts unless the furnisher certifies validity under a sworn affidavit with wet-ink signature, with notice to me within 5 business days, as required under FCRA 1681i.

3. Conduct a full investigation into statutory violations, including : a ) Failure to protect consumer data under Texas Data Breach Notification Law ( Tex. Bus. & Com. Code 521.053 ) b ) Reinsertion of accounts without proper verification in violation of Tex. Bus. & Com. Code 20.06 c ) Failure to comply with consumer rights under 15 U.S.C. 1681n & 1681o ( civil liability for willful and negligent noncompliance ) FRAUDULENT ACCOUNTS INFORMATION a ) DEPT OF EDXXXXXXXX Account No. XXXX/Fraud Begun : XXXX XXXX/Bal. {$6200.00} b ) DEPT OF EDXXXXXXXX Account No XXXXFraud Begun : XXXXXXXX XXXX/Bal. {$4500.00} c ) DEPT OF EDXXXX Account No XXXXFraud Begun : XXXX XXXX/Bal. {$3200.00} d ) DEPT OF EDXXXX Account No XXXXFraud Begun : XXXX XXXX/Bal. {$3200.00} e ) DEPT OF EDXXXXXXXX Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$3200.00} f ) DEPT OF EDXXXX Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$1900.00} g ) XXXX XXXX XXXX Account No. XXXX/Fraud Begun : XXXX XXXX/Bal. {$1900.00} All accounts lack permissible purpose and wet-ink signature authorization. 
REQUIRED DOCUMENTATION UNDER 15 U.S.C. 1681b Original wet-ink signature applications Documentary evidence of permissible purpose Complete chain of title documentation Consumer authorization for credit inquiry Failure to produce constitutes willful violation of FCRA permissible purpose requirements.

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