vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I am filing this complaint against VW Credit Inc. for their refusal to provide information in writing regarding the lien and title status of my vehicle. My repeated attempts to obtain this information in compliance with federal law have been met with automated responses stating that they will only communicate over the phone. This practice appears to be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692c ), which grants consumers the right to choose their preferred method of communication. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, XXXX : XXXX, License Plate : XXXX, through VW Credit Inc. 

I am seeking written confirmation regarding the lien release and title status of the vehicle. 

I first contacted VW Credit Inc. via their online message center and received a response directing me to call their XXXX XXXX department at XXXX. 

I followed up with a written request, explicitly invoking my right to written communication under federal law. 

VW Credit Inc. responded again, stating they would only assist me over the phone and that they will no longer respond to written inquiries.

I made additional attempts to obtain a mailing address for a formal written request, but VW Credit Inc. refused to provide one.

Legal Concerns : Violation of 15 U.S. Code 1692c ( FDCPA ) Consumer Right to Choose Communication Method : Under the FDCPA, I have the right to request communication in writing. VW Credit Inc.s refusal to comply is a violation of my consumer rights.

Violation of 15 U.S. Code 1692d Unfair or Deceptive Collection Practices : By refusing to communicate in writing while maintaining a lien on my vehicle, VW Credit Inc. is engaging in potentially deceptive and unfair practices by preventing me from obtaining necessary documentation through lawful means.

Failure to Provide Basic Account Information : I am simply asking for lien status confirmation. Refusing to provide this information in writing creates an unnecessary barrier to resolving my legal right to obtain a title.

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) intervene and require VW Credit Inc. to : Provide a written response confirming the lien status on my vehicle.

Provide a mailing address where I can submit a formal lien release request in writing.

Cease their refusal to communicate via written correspondence when requested, in accordance with the FDCPA.

VW Credit Inc.s refusal to comply with my lawful request has caused undue burden and prevented me from resolving my vehicle title issue. I urge the CFPB to investigate this matter and take appropriate action to ensure VW Credit Inc. complies with federal regulations.

Thank you for your time and consideration. Please confirm receipt of this complaint and advise me of any next steps. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Yamaha Motor Finance Corporation USA
State: AZ

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX in regards to an account thats affecting my credit reports and requested a validation of debt and this company stated they can not send me any information on this account as it has been charged off. I then requested validation of debt where they could not provide that I then also requested the recording of our conversation to be shared and they also said they can not provide me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing a formal complaint against PayPal regarding unauthorized transactions, withholding of funds, and unfair business practices. On XX/XX/year>, I invoiced a customer through PayPal for services rendered, and they paid {$3000.00} using a credit card. The funds were successfully deposited into my PayPal account, but shortly after, PayPal restricted my account and requested information that I do not believe they were entitled to request. Specifically, they asked for proof of delivery, despite the fact that I provide services rather than physical goods and there was no shipment involved. Since I could not provide the requested proof, I refunded the full {$3000.00} to the customer the same day. The refund status showed as pending, and a PayPal representative confirmed that the customer would receive their money back. 

Despite this, PayPal later restored my account without explanation, but by that time, I had already invoiced the customer on another platform, and they had completed payment there. However, on XX/XX/year>, PayPal attempted to withdraw {$3000.00} from my bank account without my authorization, even though I had already refunded the customer. My bank blocked the transaction to prevent the unauthorized debit. On XX/XX/year>, PayPal then refused to release the refunded money to the customer, instead telling them that they would have to recover it directly from me, even though PayPal still had possession of the funds. 

To further escalate the situation, PayPal then attempted another unauthorized withdrawal on XX/XX/year>, despite the fact that I had already removed my banking information from their platform and explicitly instructed them not to attempt further withdrawals. This second unauthorized attempt was also blocked by my bank. For nearly a week, PayPal had already withheld {$3000.00} from both me and the customer, and only after my bank intervened were the funds finally returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-12 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: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which establishes civil liability for negligent non-compliance.

I have made multiple attempts to resolve this matter but have not received a satisfactory response.

Pursuant to 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles me to actual damages sustained as a result of these violations, as well as costs and attorneys fees. Due to these violations, I have suffered harm, including damage to creditworthiness, emotional distress.

I respectfully request that the CFPB investigate this matter and take appropriate action to enforce compliance with the FCRA.

I appreciate your prompt attention to this matter and look forward to a resolution. Please keep me informed of any updates regarding this complaint. Should you require any additional information, feel free to contact me at XXXX or XXXX Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 ) 281 SW 715.719. 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 2025-03-12 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 ) 281 SW 715.719. 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 2025-03-12 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 ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
I have not supplied proof underXX/XX/XXXXI 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 2025-03-12 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: CO

Complaint narrative:
I have not supplied proof underXX/XX/XXXXI 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 non-monetary relief
Consumer complaint received 2025-03-12 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: DigniFi
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights. 

I opened my account with dignify XX/XX/XXXX of XXXX. I never missed a payment until XXXX XXXX and XXXX as reported on my credit report I called into the company several times explaining that I was going through financial hardship I asked for options, but my financial hardship was never accommodated. All calls are recorded is what I was told so please review the call is proof when checking my bank statements, I did call back and pay the balance in full in the amount of {$1500.00} that was deducted from my bank account on XX/XX/XXXX of XXXX. I recently checked my report due to a significant decrease in my XXXX XXXX And I now have 3 months worth of late payment reported on top of the XXXX months late reported from XXXX this spark concern because I have never used the card since I opened the account. I was advised when I called the creditor that they have an annual fee. I was then advised that I months worth of late payment reported on top of the XXXX months late reported from XXXX this spark concern because I have never used the card since I opened the account. I was advised when I called the creditor that they have a annual fee. I was then advised that I was charged late fees on top of that which is why the balance is. as reported last year XXXX I request for the company to place me on their do not call list. It was confirmed to me that my phone number was placed on their do not call list that does not exclude other methods of communication like mail, email or even text. I have never received communication that I had a balance via any method. It frustrates me that I find out about the balance via a significant drop in my credit score. This is unacceptable. I disputed this as fraud prior to today on XXXX XXXX and through XXXX, I was advised to also report this to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
you and your account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently borrowed an amount from my friend, which was sent to me via XXXX. The amount was successfully debited from his account, and I received an email stating that the transfer was delayed due to verification processes. 

Upon contacting customer support, I was asked for details such as the purpose of the transfer, the amount, and the sender 's information. I provided all the requested details, including my friend 's phone number. However, I was later informed that the bank was unable to verify his phone number. 

Despite providing all necessary information, I am now being told that the funds will not be released until the XXXX of this month, without any clear justification. I even suggested that the bank contact the sender directly for verification, but I was informed that this is not an option. 

This delay has left me without access to the funds, causing significant inconvenience. I request immediate clarification on the reason for the hold and an expedited resolution of this matter. Please advise on the next steps to ensure the timely release of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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