vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: SC

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 ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This letter is being sent to formally request validation of the alleged debt you are attempting to collect, as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g. 

The debt in question is currently listed on my credit report and attributed to XXXX XXXX, with a balance of {$4700.00}. I dispute this debt and request full validation, including : A copy of the original lease or contract bearing my signature A breakdown of the charges you claim I owe The full accounting showing how the balance was calculated Proof of your legal authority to collect this debt Proof that I am the responsible party for this debt This debt is being misreported, as I obtained a legal judgment assigning full liability for this eviction debt to my former roommate, XXXX XXXX. I am not legally responsible for this balance.

Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) & 1681i ( a ) ( 5 ) ), if you can not provide this documentation, the account must be deleted from my credit report and all collection activity must cease.

This is a formal notice to cease and desist any further collection activity until you fully validate the debt. Please respond in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$400.00} To Whom It May Concern, This correspondence is a formal dispute and legal demand for complete validation of the above-referenced account. I, XXXX XXXX, am asserting my rights under federal and state consumer protection laws and do not acknowledge or accept liability for this alleged debt. You are hereby instructed to immediately cease all collection activity and credit reporting until full validation is provided. 

As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and UCC 1-308 and 3-501, I am demanding the following documentation : A copy of the original signed contract that contains my wet-ink signature A binding agreement showing I had a legal obligation to the original creditor A full transaction history or flow sheet showing all charges, fees, interest, and payments A complete chain of assignment, showing lawful ownership transfer of the debt to your agency Documentation proving this debt is not past the statute of limitations in Illinois Proof that you are licensed to collect debts in Illinois, including your active license number The name, department, and method of the individual who verified this debt with any credit bureau A notarized affidavit confirming a manual investigation was performed and XXXX was not used, in accordance with FCRA 611 Let it be clear : a generic bill or account summary does not meet the legal requirements for debt validation.

If you can not fully validate this alleged account within 15 calendar days, you are to : Immediately remove this account from all consumer reporting agencies ( XXXX, XXXX, XXXX  ) Cease all collection attempts and communication related to this debt Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, as well as a civil lawsuit seeking all available damages under FDCPA, FCRA, and UCC.

All rights reserved under UCC 1-308, without prejudice. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Keynote Consulting , Inc . 
XXXX XXXX Campus XXXX, XXXX XXXX XXXX XXXX, IL XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXX {$450.00} To Whom It XXXX Concern, This letter is a formal dispute and demand for full validation of the above-referenced alleged debt. I, XXXX XXXX, do not acknowledge any liability or ownership of this debt. You are hereby instructed to cease and desist all collection efforts and credit reporting until you provide the proper documentation, as required by law. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and the Uniform Commercial Code ( XXXX ) XXXX and XXXX, I demand the following : A copy of the original signed contract that contains my wet-ink signature. 
A binding agreement showing I legally agreed to this debt. 
A full transaction history ( flow sheet ) including every charge, payment, interest amount, and fee. 
A complete chain of assignment or ownership from the original creditor to your company. 
Documentation that proves this account is not past the statute of limitations in Illinois, with evidence of the date of last activity. 
Proof that you are licensed and legally authorized to collect debt in the state of Illinois, including your license number. 
The full name and department of the individual who verified this debt with any credit reporting agency. 
A notarized affidavit confirming that your company conducted a manual investigation of this account, and did not use XXXX, per the FCRA XXXX. 
Let me be clear : a computer-generated statement or bill summary is not legal validation. If you are unable to comply with the above demands within XXXX calendar days, you must : Permanently remove this account from all consumer reporting agencies XXXX XXXX XXXX XXXX  ) Cease all collection activity associated with this alleged debt Non-compliance will result in formal complaints being filed with the CFPB, FTC, and the Illinois Attorney General, and I will seek legal damages for every violation under FDCPA, FCRA, and XXXX. 

All rights reserved under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX  Date : XX/XX/XXXX To : Sequiium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$330.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full validation of the alleged debt listed above. I, XXXX XXXX, do not acknowledge any liability or ownership of this debt. You are hereby instructed to cease and desist all collection activity and credit reporting until you provide the proper legal documentation required under law. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am demanding the following : A copy of the original signed contract with my wet signature. 
A binding agreement outlining all legal obligations tied to this alleged debt. 
A complete transaction ledger ( flow sheet ) with all charges, credits, payments, and interest applied. 
Proof of assignment or ownership, including the chain of title from the original creditor to your company. 
Documentation proving this debt is not past the statute of limitations in the State of Kentucky, showing the date of last activity.

Proof you are legally authorized and licensed to collect debt in Kentucky, including your license number and issuing authority. 
The name and credentials of the person who verified this debt with any credit bureau. 
A notarized affidavit confirming this dispute was not handled via e-OSCAR, and that a manual, lawful investigation was completed per FCRA 611.

Let me be very clear : A bill, statement, or summary printout does not constitute legal validation. If you can not provide the items above within 15 calendar days, you are required to : Permanently remove this account from all credit reporting agencies ( XXXX XXXX  and XXXX  ) Cease all collection activity regarding this matter Failure to comply will result in formal complaints filed with the CFPB, FTC, and the Kentucky Attorney Generals Office, as well as civil litigation seeking maximum allowable damages for violations of FDCPA, FCRA, and UCC. 

All rights reserved under UCC 1-308, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Since the account was opened back in XX/XX/year> my business account has been getting a nonstop overdraft fees and sustained fees and service charges that exceeded {$2000.00} and I have no control over turning off overdraft fees, how am I suppose to manage my small business if theres no relief for small business owners

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the continued and unauthorized reporting of an inaccurate and unverified negative item on my credit report. 
Despite prior correspondence, the following derogatory item remains unresolved and continues to appear on my credit file without proper validation or verification : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account No. : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
submitted a formal dispute to Equifax under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding multiple accounts on my credit report that contain inaccurate and/or unverifiable information. Despite this, Equifax continues to report these items without proper correction or verification. 

The following accounts were part of my dispute : XXXX XXXX XXXX XXXX XXXX  ( # XXXX ) : Reporting as charged off with a {$0.00} balance and marked as sold/transferred, yet it continues to display derogatory payment history and activity that is inconsistent and unverified. 

XXXX XXXX ( # XXXX ) : Reports a high credit limit of {$16000.00}, far exceeding the actual loan amount. This appears inflated and unverifiable. 

XXXX XXXX Bank ( # XXXX ) : No changes since XXXX. The dispute remains unresolved, with Equifax failing to verify or update the account status. 

XXXX XXXX ( # XXXX ) : Continues to show a static charge-off balance, with no verification or documentation provided. 


Equifax has not provided any evidence or documentation to verify these entries, nor have they deleted them as required under FCRA 1681i ( a ) ( 5 ) when items are inaccurate or unverifiable. Their inaction violates the FCRA and is damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Caine & Weiner XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX CA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$870.00} To Whom It XXXX Concern, This letter serves as a formal dispute and demand for full legal validation regarding the above-referenced account. I, XXXX XXXX, do not acknowledge this debt and do not authorize its reporting to any credit reporting agency. Effective immediately, you are to cease all collection activity and reporting unless and until you fully validate the account per federal law. 

Under my rights established by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and the Uniform Commercial Code ( XXXX ) XXXX and XXXX, you are legally required to provide the following : A copy of the original signed contract with my wet-ink signature A binding agreement demonstrating my legal obligation to pay the alleged debt A complete account flow sheet/ledger including all charges, payments, fees, and interest A full chain of assignment or transfer proving legal ownership of the account from the original creditor to your company Documentation verifying this debt is not past the statute of limitations in Illinois Proof you are licensed and legally authorized XXXX collect debts in the State of Illinois The name, department, and contact XXXX of the person who allegedly verified this debt with any credit reporting agency A notarized affidavit confirming that no automated XXXXXXXX  system was used to " verify '' this account and that a manual investigation was performed as required by FCRA XXXX A bill, account summary, or demand letter is NOT proper validation. If you can not produce all requested documents within XXXX calendar days, you are required by law to : Delete this account entirely from XXXX XXXX XXXX XXXX  XXXX and desist all collection activity and communications regarding this debt Failure to comply will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I will also pursue civil legal action for all violations of my rights under the FDCPA, FCRA, and XXXX. 

All rights reserved under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$420.00} To Whom It May Concern, This letter is a formal dispute and demand for immediate validation of the above-referenced account, which you claim is owed by me, XXXX XXXX XXXX I do not acknowledge any liability for this alleged debt. Until full legal validation is provided, you are to cease all collection activity and credit reporting in accordance with federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am asserting my rights and demanding the following documentation : A copy of the original signed contract with my wet signature. 
A binding agreement demonstrating my legal obligation to this debt. 
A complete account flow sheet itemizing all charges, interest, payments, and fees. 
A chain of assignment proving lawful transfer of the debt from the original creditor to your company. 
Documentation verifying that this debt is not past the statute of limitations in Illinois, including date of last activity. 
Proof of licensing and authority to collect in the state of Illinois, including your debt collection license number. 
The full name, department, and credentials of the individual who verified this account with any credit bureau. 
A notarized affidavit confirming that your investigation was not handled via e-OSCAR, but processed through a manual review as required by FCRA XXXX. 
A billing summary or collection notice does NOT constitute legal validation. If you can not produce the documentation above within XXXX calendar days, you are required to : Remove this account entirely from all credit bureaus ( Equifax, Experian, TransUnion ) Cease all collection attempts and communications regarding this matter Failure to comply will result in complaints filed with the CFPB, FTC, and the Illinois Attorney General, along with a civil lawsuit seeking full statutory damages for violations of the FDCPA, FCRA, and UCC. 

All rights reserved under UCC 1-308, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This letter serves as a formal follow-up to my previous dispute regarding the continued and unauthorized reporting of an inaccurate and unverified negative item on my credit report. 
Despite prior correspondence, the following derogatory item remains unresolved and continues to appear on my credit file without proper validation or verification : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account No. : 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 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I opened an account with Chase Bank, XXXX XXXX. 
As I have a new business contract with XXXX I wanted to get paid in the US although I work from XXXX. 
I specifically requested online banking as it would be easier with making payments from XXXX. 
Chase bank opened an account with flagster without my consent and transferred all the funds ( XXXX $ ) to this account. 
When I tried to access the account ( thinking its just the online banking ) I was told by flagster that I had to pay a 5 % fee to activate my account. 
I have tried to contact Chase bank but they deactivated the phone numbers that I was texting with. 
I have no way of reaching out to the bank as there is no e-mail listed where I could reach the bank. 
I did not agree or sign any agreement with flagster and they are now withholding all my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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