vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Opened XX/XX/XXXX Todays Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account # XXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern, I am writing in regard to a debt that has been reported on my credit file and previously disputed. Despite my earlier dispute, this item has reappeared, and I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 
XXXX. The original account number. 
XXXX. A detailed breakdown of the amount claimed, including interest, fees, and other charges. 
XXXX. A copy of the original signed contract or agreement that authorizes this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
XXXX. A copy of the judgment ( if applicable ). 

Until this information is provided, I request that all collection activity cease and that this item be removed from my name, then I request that all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX  and any appropriate financial institutions. Reporting unverifiable information violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. Defamation of Character Please respond within 30 days of receipt of this letter. If you fail to validate the debt, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, 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 2025-08-05 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: AZ

Complaint narrative:
In XX/XX/year>, a delinquency was reported on my credit report for my XXXX-serviced federal student loans. I was never notified of any missed or late payments by XXXX not by email, phone, mail, or any other communication method. I discovered the delinquency only after noticing a significant drop in my credit score and immediately logged into my XXXX account to bring it current the same day. 
I have maintained a perfect payment history prior to this incident and always ensure my contact information is current on my account. I also make payments each month to other student loan providers. XXXX failed to provide any notice of missed payments or upcoming delinquency reporting, which violates both reasonable communication standards and FCRA guidelines. 
What makes this issue even more damaging is that XXXX reported the delinquency across five separate tradelines/accounts on my credit report even though they all fall under one loan servicer and vendor : XXXX. As a result, I received five separate negative hits to my credit report for what was essentially one servicing relationship. This feels excessive and punitive. 
I submitted formal written disputes to Equifax, Experian, and TransUnion in XX/XX/year>, explaining that I was never contacted and had no opportunity to address the issue. Despite this, the inaccurate delinquencies remain. 
Im requesting a full investigation and removal of the derogatory marks. If necessary, Im prepared to escalate this matter to the FTC or take legal action under 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 2025-08-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have never done business with, purchased from, or entered into any agreement with this company. I have no knowledge of this debt and therefore do not acknowledge any obligation to pay it. 

I request full validation of the alleged debt, including the name of the original creditor, the amount claimed, itemized charges, and any documentation bearing my signature. Until such documentation is provided, collection efforts must cease.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting unverifiable or inaccurate information to any credit reporting agency. If this debt can not be verified with legally sufficient evidence, it must be immediately removed from all credit files. 

This letter serves as written notice of dispute. Any continued collection attempts or reporting without proper validation constitutes a violation of federal law. 

I expect written confirmation regarding the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CL Holdings LLC
State: CA

Complaint narrative:
I have never done business with, purchased from, or entered into any agreement with this company. I have no knowledge of this debt and therefore do not acknowledge any obligation to pay it. 

I request full validation of the alleged debt, including the name of the original creditor, the amount claimed, itemized charges, and any documentation bearing my signature. Until such documentation is provided, collection efforts must cease.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting unverifiable or inaccurate information to any credit reporting agency. If this debt can not be verified with legally sufficient evidence, it must be immediately removed from all credit files. 

This letter serves as written notice of dispute. Any continued collection attempts or reporting without proper validation constitutes a violation of federal law. 

I expect written confirmation regarding the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
My vehicle got repossessed and sold and the full amount that I owed on the car is still being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX Lower XXXX XXXX # XXXX XXXX AZ XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX BANK XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX BANK XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX XXXX Account XXXX : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX XXXX Account XXXX XXXX XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Accelerated Inventory Management , LLC is attempting to garnish my wages based on a judgment they obtained after violating a binding arbitration clause. 

They are a third-party debt collector who purchased a charged-off XXXX Bank account. That original agreement includes a binding arbitration provision that states : The parties acknowledge that they have a right to litigate claims through court before a judge but will not have that right if any party elects arbitration pursuant to this arbitration provision. The parties hereby knowingly and voluntarily waive their rights to litigate such claims in a court before a judge or jury upon election of arbitration by any party. 

I formally elected arbitration and initiated a case through the XXXX XXXX XXXX ( XXXX ). The company refused to participate, failed to pay arbitration fees, and returned to court where they obtained a default judgment and began garnishment proceedings. 

This is a violation of the XXXX XXXX XXXX, due process, and my rights under the contract. My wages are being garnished unfairly, and I am actively appealing this judgment in XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I urgently request intervention and correction of this misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$630.00}

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 2025-08-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : 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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections and Outsourcing contacted me by phone in XX/XX/year> regarding a debt they claim I owe for a lease at XXXX at XXXX XXXX apartments in Indiana. I have never lived in Indiana and informed them during that call that this was a case of identity theft. I requested they send proof of the alleged debt by mail. I received a letter from them on XX/XX/year>, which stated that in order to dispute the debt, I would need to submit documents containing my Social Security number. Because this is a fraudulent claim, I did not feel safe providing any personal information. I have proof that I never lived in Indiana and have documentation showing I resided in Florida during that time while attending medical school.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
XXXX closed my account immediately after wrongfully denying a dispute I filed. I submitted a legitimate dispute regarding unauthorized or incorrect charges, and instead of handling it properly, XXXX denied the dispute and then proceeded to shut down my entire account without a clear explanation. 

This decision left me with no access to my funds and no transparent communication about what led to the account closure. I was not given any opportunity to resolve the situation or appeal the dispute decision. This feels retaliatory and deeply unfair, especially since I was depending on this account for essential transactions and daily living. 

I have contacted customer service multiple times for clarification and help, but Ive received generic responses with no timeline on when Ill receive my remaining balance or documentation explaining the closure. Im also concerned this could negatively affect my banking history or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} CCB/BARNEY - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Complaint Regarding Account Limitation and {$450.00} Fund Hold by PayPal I am filing this complaint regarding PayPals decision to permanently limit my business account and hold {$450.00} from my most recent transaction without providing a clear reason or opportunity for appeal. 

I opened and used a PayPal business account from XXXX. The account was active and used regularly for business purposes. Approximately one month ago, I received a request from PayPal to update my address. I responded promptly and submitted official documentation to verify my address.

Shortly after submitting the documents, PayPal permanently limited my account without warning or any specific explanation. My last transaction, totaling {$450.00}, is now being held for 180 days, which has caused a serious impact on my business operations.

I am requesting that PayPal : 1. Provide a clear explanation for the account limitation.

2. Allow me to appeal the decision and submit additional documents if needed.

3. Release the {$450.00} earlier than the 180-day holding period.

This process has lacked transparency and fairness, and I believe it violates the principles of due process and financial access.

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX ] [ PayPal Email Address : XXXX ] [ Business Name : XXXX XXXX ] Country : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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