vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Subject : Debt Validation and Cease and Desist Request Pursuant to the FDCPA and FCRA Disputed Accounts : To Whom It May Concern, This letter is a formal dispute and request for debt validation regarding the accounts listed above, which appear on my credit report. I do not recognize or acknowledge these accounts as valid, and I am requesting complete validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
Please provide the following for each of the accounts listed : 1. The name and address of the original creditor, 2. The itemized amount of the alleged debt, including principal, interest, fees, and other charges, 3. A copy of the original signed contract or agreement allegedly binding me to this debt, 4. The full chain of title including purchase or assignment agreements showing legal transfer of the debt to the current owner, 5. A copy of any correspondence or statements that have been sent to me regarding these accounts. 
Until you provide the documentation above, I am requesting, under 15 U.S. Code 1692c ( c ), that you cease and desist all collection activity, including : Reporting this alleged debt to any credit bureaus Communicating with me directly Selling or transferring the debt Pursuing any legal action Furthermore, in light of the Consumer Financial Protection Bureaus ( CFPB ) enforcement action against Experian ( Case No. XXXX ), in which Experian was found to have engaged in deceptive practices regarding credit reporting and scoring, I am especially concerned about the integrity and accuracy of these disputed items. 
If validation is not provided, I expect all references to these accounts to be immediately removed from my Experian credit file in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). 
If you continue to report unverifiable information or fail to respond within the required timeframe, I will file formal complaints with the CFPB, FTC, and my states Attorney General, and may seek legal remedies for violations of federal consumer protection laws. 
This letter is not a refusal to pay, but a request for validation made in good faith. I request that all future correspondence be in writing.

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 2025-04-21 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: TX

Complaint narrative:
Subject : Debt Validation and Cease and Desist Request Pursuant to the FDCPA and FCRA Disputed Accounts : To Whom It May Concern, This letter is a formal dispute and request for debt validation regarding the accounts listed above, which appear on my credit report. I do not recognize or acknowledge these accounts as valid, and I am requesting complete validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
Please provide the following for each of the accounts listed : 1. The name and address of the original creditor, 2. The itemized amount of the alleged debt, including principal, interest, fees, and other charges, 3. A copy of the original signed contract or agreement allegedly binding me to this debt, 4. The full chain of title including purchase or assignment agreements showing legal transfer of the debt to the current owner, 5. A copy of any correspondence or statements that have been sent to me regarding these accounts. 
Until you provide the documentation above, I am requesting, under 15 U.S. Code 1692c ( c ), that you cease and desist all collection activity, including : Reporting this alleged debt to any credit bureaus Communicating with me directly Selling or transferring the debt Pursuing any legal action Furthermore, in light of the Consumer Financial Protection Bureaus ( CFPB ) enforcement action against Experian ( Case No. XXXX ), in which Experian was found to have engaged in deceptive practices regarding credit reporting and scoring, I am especially concerned about the integrity and accuracy of these disputed items. 
If validation is not provided, I expect all references to these accounts to be immediately removed from my Experian credit file in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). 
If you continue to report unverifiable information or fail to respond within the required timeframe, I will file formal complaints with the CFPB, FTC, and my states Attorney General, and may seek legal remedies for violations of federal consumer protection laws. 
This letter is not a refusal to pay, but a request for validation made in good faith. I request that all future correspondence be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-04-21 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION.

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 2025-04-21 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: MO

Complaint narrative:
I have identified several items on my credit report that I do not recognize. It appears that my identity XXXX have been stolen, as I did not authorize these accounts. I have previously raised this issue and am now formally requesting that these unauthorized accounts be removed immediately. The presence of these accounts is causing me significant distress and does not accurately reflect my credit history or financial management. 

Dealing with this matter has been difficult, and if it is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and providing for my family. I trust we can resolve this issue as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2025, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Outstanding payment : {$2500.00} XXXX XXXX XXXX XXXX  Date of Account : XX/XX/2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Contacted by XXXX XXXX from XXXX claiming I owed Bank of America {$4500.00} plus {$2500.00} in attorney fees. Threatened to file a lawsuit. Claimed BofA " served me '' with notice of this debt yet there is no judgement against me. This is not my debt if it even exists. Their phone is XXXX and 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
Dispute of Loan Payoff Handling and Request for Accounting Driveway Finance Co.

Date : XX/XX/XXXX Subject : Dispute of Loan Payoff Handling and Request for Accounting Dear Driveway Finance, I am writing to formally dispute the handling of the loan payoff for the vehicle owned by XXXX XXXX, XXXX XXXX. 

After the total loss of the vehicle in XX/XX/XXXX, your company received an insurance payment of approximately {$42000.00} from XXXX, followed by two additional payments from warranty companies totaling over {$5000.00}. A remaining balance of {$100.00} was paid in full by me as final payoff.

I am now being pursued by a collection agency for {$600.00} in alleged unpaid interest. This appears to be an inappropriate and possibly unlawful continuation of interest charges after the majority payoff had already occurred.

I am requesting : - A full transaction history of this loan including dates and allocation of payments - A written justification for the interest accrual and outstanding balance - Immediate removal of any collections reporting from my credit history If this is not resolved within 14 days, I will pursue further complaints through the CFPB, FTC, and legal channels. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXXXXXX Balance {$3600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXX 2025

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 2025-04-21 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I previously submitted a dispute concerning this account in XXXX and your investigation concluded that the item would remain on my credit file. However, I continue to disagree with the outcome and stand by my original position that the information fraudulent Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to provide a brief statement setting forth the nature of the dispute. Please include the following statement in my credit file and in any future disclosures of this information : I dispute the accuracy of this account. I previously submitted documentation supporting my claim that the account is identity theft but the credit reporting agency failed to remove or correct the item. I maintain that this information does not accurately reflect my credit history. 

Please confirm in writing that my statement of dispute has been added to my file as required by federal law. 

I ask that this inquiry be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Subject : Debt Validation and Cease and Desist Request Pursuant to the FDCPA and FCRA Disputed Accounts : To Whom It May Concern, This letter is a formal dispute and request for debt validation regarding the accounts listed above, which appear on my credit report. I do not recognize or acknowledge these accounts as valid, and I am requesting complete validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
Please provide the following for each of the accounts listed : 1. The name and address of the original creditor, 2. The itemized amount of the alleged debt, including principal, interest, fees, and other charges, 3. A copy of the original signed contract or agreement allegedly binding me to this debt, 4. The full chain of title including purchase or assignment agreements showing legal transfer of the debt to the current owner, 5. A copy of any correspondence or statements that have been sent to me regarding these accounts. 
Until you provide the documentation above, I am requesting, under 15 U.S. Code 1692c ( c ), that you cease and desist all collection activity, including : Reporting this alleged debt to any credit bureaus Communicating with me directly Selling or transferring the debt Pursuing any legal action Furthermore, in light of the Consumer Financial Protection Bureaus ( CFPB ) enforcement action against Experian ( Case No. XXXX ), in which Experian was found to have engaged in deceptive practices regarding credit reporting and scoring, I am especially concerned about the integrity and accuracy of these disputed items. 
If validation is not provided, I expect all references to these accounts to be immediately removed from my Experian credit file in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). 
If you continue to report unverifiable information or fail to respond within the required timeframe, I will file formal complaints with the CFPB, FTC, and my states Attorney General, and may seek legal remedies for violations of federal consumer protection laws. 
This letter is not a refusal to pay, but a request for validation made in good faith. I request that all future correspondence be in writing.

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 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-21 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: PA

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 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 2025-04-21 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In response to my dispute with XXXX XXXX, you mentioned that you verified this account but did not explain how you did so. You also stated that you sold this account, which suggests that you profited from a fraudulent account. I maintain that this account does not belong to me, as I indicated in my original complaint. According to my credit reports, this account was closed in 2014, which is beyond the seven-year deadline for reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. CXXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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