vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Dear, JPMCB CARD I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges. 
4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
Let me be absolutely clearthis complaint is valid and demands immediate attention. My credit report contains inaccurate and misleading information that fails to meet the legal standard of maximum possible accuracy. These are not minor errorsthey are actively harming my financial standing and personal well-being.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Failure to Provide Corrected Vehicle Title After Loan Payoff This complaint details the failure of Digital Federal Credit Union ( DCU ) to provide a legally viable vehicle title following the satisfaction of my auto loan. 
Summary of Facts : Loan & Vehicle : DCU Auto Loan Account # Will Provide Once requested ; Vehicle VIN : Will Provide Once requested. 
Defective Title Received After Payoff : I satisfied all loan obligations in XX/XX/XXXX. At the end of that month, DCU delivered the New Jersey XXXX of XXXX to me. This title, which had been held in DCU 's custody since XXXX, was found to be defective upon inspection : it erroneously lists " Digital Federal Credit Union '' as the legal Owner of the vehicle. 
Resulting Harm : Due to this title defect, the Texas Department XXXX XXXX XXXX ( TxDMV ) has rejected my application to properly title my vehicle in Texas. Securing a Texas title is a legal prerequisite for all future registration renewals. Therefore, this defect now makes it impossible for me to maintain legal registration, jeopardizing my right to operate my property in the state. 
Attempts to Resolve : For the last XXXX months, I have repeatedly contacted DCU to correct this error. 
On Thursday, XX/XX/XXXX, my case was escalated to DCU XXXX ( name withheld-will provide once Requested ( Interaction # Will Provide once requested ). DCU Escalation XXXX refused to take action on behalf of DCU and insisted I resolve the matter myself with the New Jersey XXXX. 
This directive is impossible to follow. As I am not named on the title, the New Jersey XXXX will not allow me to alter the document. Only the listed " XXXX '' - DCU - has the legal standing to request a correction. 
Following their verbal refusal to act, I have now sent a formal demand letter via XXXX Mail, secure message, and email, insisting on a plan for resolution.

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 monetary relief
Consumer complaint received 2025-06-28 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: TX

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 ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-06-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
It was originally disputed with discover bank that the data points are off regarding said account and discover bank failed to do a reasonable investigation nor mention anything about the data points in their response, you will find that proof of discover banks response as well as a dispute letter attached. 

XXXX XXXX  issued IRS Form 1099-C for cancellation of debt related to this account. This form, under federal tax law, reports canceled debt as income, signifying that the creditor has XXXX the balance and no longer intends to collect it. Consequently, the issuance of a 1099-C is not just a tax eventit is a clear indication that the debt has been legally canceled.

Courts have repeatedly ruled that once a 1099-C is issued, the creditor can not simultaneously treat the debt as both canceled ( for tax purposes ) and collectible or delinquent ( for credit reporting or collection purposes ). Continuing to report a balance due after issuing a 1099-C violates the Fair Credit Reporting Act ( FCRA ), as it misrepresents the true legal status of the account and damages my creditworthiness unfairly.

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 2025-06-28 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: CA

Complaint narrative:
There is incorrect information on my credit report and I have tried to get this resolved unsucessfully

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 2025-06-28 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: CA

Complaint narrative:
There is incorrect information on my credit report and I have tried to get this resolved unsucessfully

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
XXXX retrieval keeps calling for a vehicle that has been sold to a dismantling company and it is a vehicle that i have never owned or had my name ever affiliated with. I asked repeatedly to stop contacting me. I asked for info about the vehicle they said the vehicle was found abandoned and they received money from their neighbor company for the car to have it demolished. The vehicle was at XXXX time my daughter XXXXXXXX XXXX and it was gifted to her dad XXXX XXXX. XXXX sold the vehicle to a friend of his and I dont have any further information. I have never been associated with this vehicle and i do not know why or how they got my phone number or why they are trying to get money from me when once they received money for it to be demolished, Pacific Retrival took ownership of vehicle at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Credit Report Information Pursuant to FCRA Section 1681e ( b ) To Whom It May Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report, which I believe to be incorrect and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). 

According to this section, consumer reporting agencies ( CRAs ) and furnishers of information are required to : Maintain and follow reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports ; Investigate any disputes regarding information a consumer believes to be inaccurate or incomplete ( unless the dispute is deemed frivolous ) ; and Correct or delete any inaccurate or unverifiable information as a result of that investigation, and promptly notify the consumer of the outcome. 

I am disputing the following item ( XXXX ) currently reported on my credit file : Creditor Name : CAINE & WEINER Account Number : XXXX XXXX XXXX XXXX XXXX  I respectfully request that you investigate this matter in compliance with the FCRA. If, after your investigation, the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or deleted from my credit report as required by law. Additionally, I expect to receive written confirmation of the results of your investigation. 

Please consider this my formal dispute. I have enclosed copies of relevant documents to support my claim correspondence, proof of identity, etc. ). 

Failure to comply with your obligations under the FCRA may result in legal action to enforce my rights, including seeking damages for any harm caused by continued reporting of inaccurate information.

Thank you for your prompt attention to this matter. I look forward to a resolution within the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I received a letter from the CFPB regarding this complaint, citing that the CFPB believed someone else was submitting this complaint and closed the complaint without investigation. I am the original submitter of this complaint. no one submitted this for me. my email address is XXXX and my phone number is XXXX. I am resubmitting. 

I am filing a complaint against Consumer Adjustment Company regarding a collection account they are reporting to the credit bureaus without proper validation. I submitted a written debt validation request on XX/XX/year> ( attached ) for an account related to XXXX XXXX XXXX XXXX for {$16000.00}. It has now been over 40 days, and I have received no response. This violates both the Fair Debt Collection Practices Act ( FDCPA ) and Californias XXXX Fair Debt Collection Practices Act and Debt Collection Licensing Act. They are continuing to report this debt on my credit file without providing any proof that the debt is valid or that they have the legal authority to collect it. I am requesting your assistance in : Investigating this collectors failure to comply with debt validation laws. Requiring removal of the unverified account from my credit reports. Enforcing any necessary penalties for non-compliance. I have attached my validation letter and proof of delivery for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
There has been inaccuracy on my credit report due a collection account that was placed on my report that I do not know about, I have nothing to do with all these inquires neither do I ever have any association with the collection, reporting inaccurate information on my credit report, violated my consumer right please remove. 

. XXXXXXXX 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been inaccuracy on my credit report due a collection account that was placed on my report that I do not know about, I have nothing to do with all these inquires neither do I ever have any association with the collection, reporting inaccurate information on my credit report, violated my consumer right please remove. 

. XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX, of XXXX XXXX XXXX, XXXX, NY XXXX, took out a mortgage under my name without my permission.

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