vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-30 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: GA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy and validity of a charge-off reported by Consumer Portfolio Services on my Experian credit file. The account in question is listed as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Type : Auto Loan Status : Charged Off / Written Off {$11000.00} Date Opened : XX/XX/XXXXXXXX  Reported Closed : XX/XX/XXXXXXXX  Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to request verification of any information that appears inaccurate or incomplete on my credit report. I am also exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) to request full validation of this alleged debt. 

Please provide the following : 1.The original signed contract or agreement that proves I am legally obligated to this debt.

2.A complete payment history, including how the current balance of {$11000.00} was calculated.

3.The name and address of the original creditor, and proof that XXXX XXXX XXXX currently owns or services the debt.

4.Verification that this account was reported accurately, including all dates, amounts, and account status updates. 

Until you can provide proper documentation verifying this debt, I request that the account be Permanently removed or marked as in dispute on my Experian credit file, as required by federal law. 

Please complete this investigation within 30 days of receiving this letter, as required by the FCRA. I also request written confirmation of the results and any supporting documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I tried to have debt removed from credit bureaus after filing report with ftc. Company only sent validation letter even after I sent identity theft report to have this resolved the first time.

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 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was rushed into agreeing to an installment plan without the knowledge of the contract. I have not received any treatments or paid anything to the company yet. The company is refusing the closure of the plan. I was harassed by sales representatives online and only wanted a price quote but was hurried into the installment. This happened on XX/XX/, I am filing this report on XX/XX/.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NM

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect. 

I have explained the discrepancies in the numbered entries. 

According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Repot Act of XXXX, 15U.S.C. 1681 et.seq., I demand these items be reinvestigated and deleted from my credit record. Please sends me the names and addresses of the companies that you contacted so I may follow up. 

Under the terms of the Section 1681I of the Act, you have 30 days from the receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this letter altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C Section 1681i of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to my address. According to the provision of Section 1681j, there should no charge of this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
CONCORA CREDIT PHONE NUMBERS ARE OUT OF SERVICE WEBSITE AND APP DENY ME LOG IN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PREFERRED CREDIT INC
State: UT

Complaint narrative:
I purchased a product through a XXXX dealer. Went through the financing company XXXX, I was told {$88.00} a month for the product but not for how many months. Then I call them asking for my amount and to cancel my product. It turns out the amount that was owed was far more that was agreed upon. With the distributor of the product, I requested to cancel the item or to surrender it for an amount, And that I wasn't helped at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: TX

Complaint narrative:
This account for XXXX is over 17 years old. I have disputed it once in XXXX of XXXX  and on XX/XX/year>. And it was denied on XX/XX/year>. This account is too old for it to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-30 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-30 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: NM

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-10-30 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-30 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I went through a very bad divorce and did have covid a total of 10 times and was in and out of the hospital. Last year I made it a point to try to get back on track with the mortgage company. Did go through their process of loan assistance they asked for three payments which i made then asked for a quit claim deed that I did provide. The representative assigned came back and said she asked for the wrong form and did not know what the new form was but would call me. Her name is XXXX XXXX. This woman did not call me i contacted them and was told i needed to provide a special warranty deed. I asked my ex-husband to get this he did get this done within a XXXX span I uploaded it and contacted them and they told me that my case was closed. Since then I have tried to get back on this payment plan and loan modification again without success. In XXXX I had a XXXX removed which has delayed me making payments, I am now able to make payments but this company despite me providing all the documentation they have requested have not put me in loan modification. I have called submitted and re-submitted documents they continue to increase my monthly payment which is predatory and wrong. I am in constant worry and stress by this company and I simply want my modification done. This is a XXXX XXXX loan.

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 2025-10-30 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I ordered an item from XXXX online and noticed the address was incorrect. I called XXXX and had the order cancelled. The XXXX agent apologized for the glitch, by providing me a discount code and helped me place an order with the correct address. I have provided proof of my cart and the correct address. 
XXXX still sent the item to an address that I don't live at which is vacant. XXXX ( on a recorded line ) suggested to wait and see if the item would be resent to my correct address. When I advised, it was not sent to my address, they originally stated I would get a refund for goods not received. I did not receive a refund and contacted XXXX. XXXX sated to file a dispute with my bank. I filed a dispute with Navy Federal Credit Union my bank. Navy Federal Credit Union denied my claim, despite me providing proof I never received the goods. The goods were sent to a vacant address. I provided Nay Federal Credit Union proof of my cart showing the address of where the item should have been sent. 
I am being charged for not receiving goods. XXXX advised me to file a dispute with my bank. I am in the middle of finger pointing. Again, I have a charge and never received the goods. Despite whom want to take the blame, I just want this charge removed or provided the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I am filing this complaint against Gordon , Aylworth & Tami , P.C . ( GAT ) for egregious and repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Act ( CFPA ) in their debt-collection and litigation activities on behalf of XXXX XXXX XXXX XXXX XXXX XXXX 

GAT attorneys obtained a default judgment through fraudulent service of process, filed false affidavits with the court, and executed unlawful wage garnishments based on that void judgment. Despite written disputes, bar complaints, and CFPB filings, the firm continues to pursue collection activity and retaliatory legal filings intended to intimidate and harass. 

Specific Violations : 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse.

15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) Using false, deceptive, or misleading representations in connection with the collection of a debt ( false service affidavits, misrepresented balances ).

15 U.S.C. 1692f ( 1 ) Collecting amounts not authorized by law or contract through void judgments and duplicate garnishments.

15 U.S.C. 1692g ( b ) Continuing collection without providing proper validation after dispute.

12 U.S.C. 5531 ( CFPA ) Engaging in unfair, deceptive, and abusive acts and practices.

15 U.S.C. 1681s-2 ( b ) Furnishing and verifying inaccurate information after dispute through affiliated creditors. 

Facts and Evidence : False Service of Process : Affidavits filed by GATs  process servers claim personal service at an address and date where travel records confirm I was not present. 

Void Judgment and Garnishment : Funds were seized from my wages and accounts under that fraudulent judgment. Payroll documentation confirms duplicate withholdings. 

Retaliation After Complaints : After disputing the debt and filing grievances, GAT lawyers filed unnecessary motions and made threatening communications intended to discourage further complaints. 
Systemic Pattern : Public records and consumer complaints show GAT routinely obtains default judgments through defective service and pursues unlawful collections on behalf of XXXX XXXX XXXX. 

Harm : The firms misconduct caused financial loss through illegal garnishments, severe stress, reputational damage, and wasted time defending against actions that should never have existed. Their continued communication and filing activity despite notice of dispute is abusive and unlawful. 

Summary Statement : Gordon , Aylworth & Tami , P.C . have weaponized the court system through false filings, defective service, and abusive tactics to collect debts they can not lawfully enforce. Their pattern of misconduct represents a systemic threat to consumer rights and the integrity of judicial process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Dept of ed/XXXX  Dept of edXXXX Dept of edXXXX Dept of edXXXX Dept of ed/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 I looked at my TransUnion report and noticed some things arent accurate according to the FCRA under 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy As well as FCRA 15 USC 1681 s ( 2 ) 15 USC 1681I

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
I am disputing an inaccurate collection account reported by Experian, TransUnion, and Equifax. 

The collection is from XXXX, which filed for XXXX XXXX bankruptcy in XXXX  and permanently ceased operations. Therefore, there is no valid debt to collect or report. 

Despite providing documentation showing the companys bankruptcy and closure, Experian refused to delete the collection. Under the Fair Credit Reporting Act ( FCRA Section 611 ), the furnisher must verify the account with original, valid documentation. Since XXXX no longer exists, no such verification can be made. 

This account is inaccurate and damaging to my credit. I request the CFPB to require all three credit bureaus ( Experian, Equifax, and TransUnion ) to permanently delete this invalid collection and to investigate whether they failed to ensure accuracy and fairness in credit reporting. 

Supporting documents include : 1. Official email from XXXX confirming the XXXX XXXX bankruptcy filing. 
2. News article confirming XXXX bankruptcy and liquidation. 
3. Email from XXXX XXXX XXXX confirming XXXX closure and refunds. 
5. Experians reinvestigation response refusing deletion.

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 2025-10-30 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: IL

Complaint narrative:
I am disputing an inaccurate collection account reported by Experian, TransUnion, and Equifax. 

The collection is from XXXX, which filed for XXXX XXXX bankruptcy in XXXX  and permanently ceased operations. Therefore, there is no valid debt to collect or report. 

Despite providing documentation showing the companys bankruptcy and closure, Experian refused to delete the collection. Under the Fair Credit Reporting Act ( FCRA Section 611 ), the furnisher must verify the account with original, valid documentation. Since XXXX no longer exists, no such verification can be made. 

This account is inaccurate and damaging to my credit. I request the CFPB to require all three credit bureaus ( Experian, Equifax, and TransUnion ) to permanently delete this invalid collection and to investigate whether they failed to ensure accuracy and fairness in credit reporting. 

Supporting documents include : 1. Official email from XXXX confirming the XXXX XXXX bankruptcy filing. 
2. News article confirming XXXX bankruptcy and liquidation. 
3. Email from XXXX XXXX XXXX confirming XXXX closure and refunds. 
5. Experians reinvestigation response refusing deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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