vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona [ XXXX ] XX/XX/year> To Whom It May Concern, RE : Notice of Dispute and Demand for Validation of Debt This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I am formally disputing the alleged debt that you claim I owe. I request full validation and verification of this alleged obligation. 

You are hereby notified that : 1. I do not recognize or acknowledge any debt with your agency. 


2. I require the following for full validation, as required by federal law : A copy of the original contract or agreement bearing my signature. 

A full accounting of the alleged amount, including itemized statements. 

The name and address of the original creditor. 

Proof that your agency has legal authority to collect this debt, including any assignment or purchase agreements. 

Verification that this debt has not already been discharged, settled, or securitized. 



3. Until validation is provided, you are to cease all collection efforts and communications. 



Failure to provide the requested validation within 30 days from the date of your receipt of this notice will constitute a tacit agreement that : No valid debt exists, You agree to cease and desist from all further collection efforts, Any negative reporting to credit bureaus must be removed immediately. 


This is a good-faith attempt to resolve the matter privately. All further communication must be in writing. No phone calls are permitted. 

With all due rights reserved, XXXX XXXX By : XXXX XXXX, Authorized Representative c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX Arizona [ XXXX ] Non-Domestic, Without the United States XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist.

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 2025-05-20 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:
Subject : Inaccurate, Misleading, and Unverified Credit Reporting Ongoing Harm and FCRA Violations I am submitting this complaint to formally request enforcement and correction regarding several credit accounts inaccurately reported and unresolved despite prior disputes under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and associated CFPB compliance guidelines. 

The following accounts continue to be misreported or remain unverifiable on my credit reports : XXXX XXXX ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inaccurately listed as Charge-Off. 

XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported with Late Payments. 

XXXX XXXX XXXX XXXX listed a hard inquiry on XX/XX/year>, with no permissible purpose or consumer-initiated transaction. 

These entries are harmful and violate multiple sections of the FCRA. Specifically : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct or delete inaccurate information. 

15 U.S.C. 1681s-2 Furnishers ( creditors ) must not report information if they know or have reasonable cause to believe it is inaccurate. 

15 U.S.C. 1681b The XXXX XXXXXXXX XXXX inquiry appears to have been made without my authorization or any permissible purpose. 

IRS Guidelines on 1099-C If any charged-off debt was canceled or discharged and reported to the IRS, then maintaining it as a collectible debt is both deceptive and misleading. 

Emotional, Financial, and Reputational Harm Due to these errors, I have experienced credit denials and increased interest rates, which have materially impacted my financial health and caused considerable distress. 

I have previously disputed these items with the credit bureaus, yet no meaningful corrections or supporting validation have been provided. Some responses included vague form letters or restatements of prior data without legal substantiation. I do not accept these as compliant investigations under the FCRA. 

I request that the CFPB compel the furnishers and credit bureaus to either : Provide complete documentation validating the debts and reporting status per 15 U.S.C. 1681i ( a ) ; or Remove the accounts in full as inaccurate, incomplete, or unverified under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

Additionally, I request the CFPB investigate these furnishers and the credit bureaus for ongoing noncompliance and potential systemic violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a FTC report due to unauthorized accounts on my credit report and Im making a complaint because it was never fixed.

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 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I discovered that Experian, in conjunction with XXXX XXXX XXXX XXXX XXXX 's loan servicer, retroactively altered the payment history on my federal student loans. These accounts were previously reported as current from XX/XX/XXXX through XX/XX/XXXX, but were changed to 90120 days late in XX/XX/XXXX, despite no payments being due and no notifications of delinquency ever issued. This reporting is : Factually inaccurate, violating XXXX XXXX. XXXX ( b ) ( FCRA maximum possible accuracy ), Unverifiable, violating XXXX XXXX. XXXX ( FCRA duty to reinvestigate ), Illegally furnished education record data, violating XXXX ( XXXX XXXX. XXXX ), since the underlying loans are federally funded and protected as education records, Noncompliant with XXXX XXXX standards, since payment deferments or {$0.00} payments were active during the disputed period, and In breach of TILA ( XXXX XXXX. XXXX ) and ECOA ( XXXX XXXX. XXXX ), due to the absence of proper delinquency or adverse action notices. I have already filed a formal XXXX complaint with the XXXX XXXX XXXX XXXX, My State Attorney General and will also be filling a complaint with the XXXX. I am requesting the CFPB to immediately investigate and compel Experian and XXXX to remove the late payment delinquency from my FICO consumer report ; Provide evidence of verification or furnish legal justification for the reporting ; Cease and desist from further unlawful reporting practices. This inaccurate reporting is materially harming my FICO score and access to credit which is causing a great hardship in my life. I am demanding full correction and regulatory enforcement.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
To Whom It May Concern, This is my third and final attempt to resolve multiple inaccurate, unverifiable, and misleading accounts appearing on my credit report. Despite my previous good faith disputes, these accounts have not been adequately investigated or removed as required by law. Your failure to properly address these disputes constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 1681e ( b ).

Below are the accounts that continue to reflect erroneous derogatory information : XXXX. XXXX Account # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$18000.00} Issue : Late Payments This account is inaccurately reporting late payments. I demand a full reinvestigation with documented proof of the payment history. If you can not provide a signed contract and direct evidence verifying this negative reporting, it must be removed immediately. Reporting unverifiable data is a violation of FCRA 607 ( b ) and 611. 

XXXX. XXXX XXXX  XXXX ( XXXX OF XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Charge Off This charged-off account is being reported without proper validation. If this debt has been sold or transferred, you are legally required to update or delete this account. Any continued reporting of unverified or incomplete data violates FCRA XXXX ( b ). 

XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Issue : Charge Off This account is in dispute as it was opened and charged off fraudulently. I demand an original signed application and billing history to substantiate this debt. In the absence of verifiable documentation, this item must be permanently removed. 

XXXX. XXXX XXXX XXXX  Account # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charge Off This item remains unresolved and unverifiable. Continued inclusion without sufficient proof of liability or validation documentation is a violation of your legal obligations under FCRA 611 and 1681i ( a ).

LEGAL NOTICE : You are hereby notified that failure to correct or delete these inaccurate items within the 30-day window provided by federal law will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. I will also pursue legal action for damages under FCRA 1681n and 1681o if necessary.

I am requesting the complete results of your reinvestigation, including the name and contact information of the furnisher ( s ) of the information and copies of all documentation used to verify the accounts in question. 

Please be advised this letter is being sent via certified mail for documentation purposes. I expect a timely response as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/XXXX, I returned my leased XXXX XXXX XXXX and formally disputed a post-return charge of {$1800.00} issued by XXXX XXXX XXXX Audi Financial Services ). I submitted a certified written dispute requesting documentation and a breakdown of charges, which was never provided. 

Despite the open dispute and the absence of a response from XXXX XXXX, they reported the account as charged off to XXXX in XX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires disputed debts to be marked appropriately and not reported negatively during investigation. 

I request that this charge-off be removed from my credit file and that the creditor be held accountable for reporting during a pending dispute without resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LEXISNEXIS
State: MI

Complaint narrative:
I am submitting this complaint along with the dispute case number ( XXXX ), I received from LexisNexis as proof that I previously disputed the bankruptcy reporting on XX/XX/year>. LexisNexis denied my dispute without providing any supporting documentation or verification. They claim to obtain bankruptcy information from PACER ; however, I have attached a letter from XXXX  confirming that they do not voluntarily provide or verify such information to consumer reporting agencies. 

Because LexisNexis failed to conduct a reasonable reinvestigation and did not verify the accuracy of the bankruptcy information as required under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), their continued reporting of this information is a violation of federal law. 

Therefore, I am requesting that LexisNexis either provide proper documented verification from the original source or remove the inaccurate bankruptcy record from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One Reposessed my car. I spoke with them on XX/XX/XXXX, we came to a payment agreement to get my car back. I was informed the car was here in town. I then called back to pay the agreed amount, they processed the payment and they then stated I could pick up the car in a completely different state. 

They made an agreement with me and led me to believe my car was here, got my money, and had already sent my car to a completely different state BEFORE they made the agreement with me on the XXXX. 

They pulled the phone calls and agreed I was told something different, and agreed to send my car back to the state I live in. They then turned around and said they couldn't do that and they would not be sending it back until they once again pulled the phone calls and agreed that I was infact told that. 

I would like to make a complaint about incredibly poor business practices that take advantage of people. 

They moved my car, lied, took my money under false pretences and I still do not have my car back, and will file complaints every where I can. They can't do this to people.

Company response to consumer: Closed with explanation