vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Details of Complaint : Transworld Systems Inc. ( TSI ) reported a collection account to the credit bureaus on behalf of XXXX XXXX XXXX before validating the debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 1681s-2.

I received an initial notice from TSI stating I had until XX/XX/year> to dispute the alleged debt. I mailed a written dispute and validation request via certified mail, postmarked XX/XX/XXXX, XXXXwithin the 30-day dispute window.

Despite this, TSI reported the collection account to the credit bureaus as a derogatory mark before responding to my dispute or providing validation. This constitutes a violation because a collector must cease collection and reporting activity until debt validation is provided. 

On or around XX/XX/year>, I received TSIs response stating only that the balance has been confirmed with the creditor and that they updated my file to show it is disputed. However, this does not remedy the violation that occurred when they furnished the information to the credit bureaus before responding. 

I am requesting that the CFPB investigate this matter and require : Immediate removal of this collection account from all credit reporting agencies ; and Assurance that TSI corrects their procedures to comply with FDCPA 809 ( b ) and FCRA 1681s-2 ( b ) going forward.

I have documentation of : The original notice from TSI My dispute letter with XXXX certified mail tracking and postmark The response from TSI acknowledging receipt of my dispute and providing access to their validation portal My credit report showing the collection was added prior to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-03 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the false late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have always made my payments on time, and any inaccuracies in this reporting are both improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-03 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: Open Dealer Exchange, LLC
State: AZ

Complaint narrative:
A hard credit inquiry from this company appeared on my credit report even though I never gave them written or verbal permission to access my credit file. I did not submit a credit application to this company, and I did not authorize any dealership or third party to transmit my personal information to them. 

This appears to have been part of an auto-dealer shotgun credit pull, where my information was shared with multiple lenders without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have a permissible purpose and documented authorization before obtaining a consumer report. I am requesting that the company provide : A copy of the signed credit application or written authorization where I granted permission for this company to access my credit, and Documentation proving permissible purpose under FCRA 604.

If they can not provide signed authorization, the inquiry must be deleted from all three credit reporting agencies in accordance with FCRA 611. 

I am requesting the CFPBs assistance in obtaining verification or removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Made a flight reservation on Capital One on XXXX XXXX ( PNR : XXXX ). 
The cancellation policy is a penalty of {$80.00}. It says so on the resevation. 
When I called to cancel I was told its {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Car Total Loss & Initial Payoff : In XX/XX/XXXX, my vehicle, secured by Loan Account XXXX was totaled. The primary insurance payout covered the majority of the loan balance, leaving an initial outstanding gap of approximately {$16000.00}. 

Ongoing Dispute : I hold gap insurance, and a claim was immediately filed. Despite subsequent partial payments from the insurer, a portion of the debt remains outstanding and is currently under active dispute and litigation with the insurance carrier. This claim remains open. 

Unauthorized XXXX ( XXXX ) : On XX/XX/XXXX, Bank of America executed a unilateral transfer ( set-off ) of {$6300.00} from my business checking account, zeroing out the balance and applying the full amount toward the disputed auto loan debt. 

This action was taken without any prior notification, warning, or authorization. No letter or email had been received. The immediate and unauthorized XXXX of funds from a distinct business account to cover a disputed consumer loan balance has caused, and continues to cause, severe operational and financial distress. Specifically, the loss of {$6300.00} renders me unable to pay critical, immediate business expenses ( e.g., payroll, vendor invoices, rent ) for the current month.

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 2025-11-03 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
This correspondence serves as a formal dispute regarding the account reported by Mercedes Benz Financial, which is appearing on my consumer report with inaccurate, misleading, and unverifiable information. The reporting violates the Fair Credit Reporting Act ( FCRA ), CFPB regulations, and XXXX XXXX credit reporting standards. 

Account Information Creditor : Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/year> Balance : {$58000.00} Issue : Inaccurate late payment reporting and failure to comply with XXXX XXXX standards Nature of Violations Mercedes Benz Financial has reported a late payment that is : Factually inaccurate Inconsistent with my actual payment history Not verified with original source documentation This constitutes a violation of : FCRA 602 ( A ) Right to fair and accurate reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) Duty to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate The account also fails Metro 2 standards, including : Accurate payment history coding Proper delinquency and past-due reporting Compliance with account status codes and dates Proper formatting per XXXX guidelines Mercedes Benz Financial has not provided verifiable evidence of the late payment, nor have they corrected the reporting after prior disputes. Automated verification without source documentation does not satisfy FCRA or XXXX XXXX compliance. 

Harm Caused This inaccurate reporting has caused : Damage to my credit score Denial of credit opportunities Higher interest rates Emotional and financial distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I respectfully demand immediate intervention against Equifax, Experian, and TransUnion for willful, ongoing FCRA violations. 
XXXX. The XXXX Is Facially Invalid XX/XX/XXXX : Signed lease, paid {$2100.00} ( deposit + rent ). 
XX/XX/XXXX : XXXX  XXXX XXXX XXXX XXXX, XXXX, GA severe cockroach infestation upon entry ( photos + financial damages enclosed ). 
XXXX breached GA implied warranty of habitability ( XXXX XXXXXXXX ). I never occupied residence ; lease void. 
XX/XX/XXXX : XXXX tried to force illegal release for refund through an XXXX I refused. 
XXXX. XXXX Reported {$2100.00} Despite XXXX Validation after many requests. 
XX/XX/XXXX : I disputed to XXXX ( FDCPA XXXX ) + bureaus ( FCRA XXXX ). 
XXXX rubber-stamped verified without evidence and failed to provide investigation methods when requested. 
XXXX. Account Mysteriously Closed Then Reopened Proof of Fraud XXXX : Closed on all three reports. 
XX/XX/XXXX : Reopened without notice, validation, or change in facts. 
Screenshots enclosed. 
This is not verification it is fraud. 
FCRA Violations ( 15 U.S.C. 1681i ) : Failed reasonable reinvestigation. 
Ignored my evidence. 
Re-reported after self-admitted closure. 
Willful noncompliance = statutory damages + punitives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALCAR INC.
State: IL

Complaint narrative:
The lender ( DR Bank ) has not provided the full Truth in Lending Disclosure ( TIL ) for my installment loan ( Loan ID : XXXX ) as required under Regulation Z. I have only received an Approval Disclosure and Promissory Note. Despite a written request on XX/XX/year>, the lender refused to provide the complete TIL statement, which includes the full breakdown of interest calculation, payment schedule, and total cost of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under XXXX days past due or otherwise misdated. Please update all XXXX  CRAs and provide written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am submitting this complaint to dispute the following information on my credit report. I request that each of these items be reviewed for accuracy and corrected if necessary. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BCG Equities, LLC
State: MI

Complaint narrative:
Ordered tires offline for my utilty trailer fell on hard times offerred to return the tiresthey refusedsaying they want money I tried telling them that I was having a hard time and they said they didn't care and after that happened a year and a half later they tried to sue me now they're suing me for the whole amount I told them that I'm on XXXX and I offered to work a payment plan out but they refused again and now they're trying to sue me in court in XXXX and I don't think it's right that they should be able to refuse the merchandise and turn around and try to sue me when I wanted to return the merchandise to them and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief