vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: Branch Messenger, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I contacted Branch support via in-app chat regarding an urgent matter involving access to my funds. The representative, XXXX, responded with a series of escalating actions that constituted financial misconduct. She initially provided false information, then dismissed verifiable evidence that her proposed solution was invalid. Rather than escalate the matter as repeatedly and appropriately requested, she misrepresented policy, obstructed resolution, ignored alternative communication methods I offered to ensure clarity, and ultimately terminated the interaction without restoring access to my funds. 


Subsequent representatives, XXXX and XXXX, acknowledged the legitimacy of my concern and resolved the issuedemonstrating that XXXX behavior was not an isolated misunderstanding but a breach of internal protocol and duty. Her actions delayed access to payroll funds and interfered with my ability to meet urgent financial obligations. A financial institution must not permit representatives to use their authority to deflect, deny, or obstruct a consumers access to their own money. This incident reflects a misuse of institutional power and a failure to uphold financial accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: TX

Complaint narrative:
XX/XX/2025 To Whom It May Concern, This letter is a formal request for validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I do not acknowledge or accept this debt, and I request that you provide the following documentation as required by federal law : 1. A complete copy of the original signed contract or agreement bearing my signature that creates the alleged debt.

2. A full and unbroken chain of title showing legal ownership of the alleged debt, from the original creditor to your agency. This includes : - The bill of sale or purchase agreement between the original creditor and any subsequent debt buyers. 
- All flow agreements governing the transfer or servicing of the alleged debt. - Any and all assignment contracts or transfer of assignment documents.

3. Proof of your legal right to collect on this debt, including documentation of your authorization or license to collect in my state.

4. An itemized breakdown of the alleged debt, including : - The original balance - All interest, fees, payments, and charges added since the debt originated - The dates and amounts of any transactions related to the account 5. Identification of the original creditor and account, including : - The original account number - The date of default - The date the alleged debt was charged off, if applicable 6. A copy of your company 's collection authority, including any relevant contracts showing your agency has the right to collect or report this debt.

Until the above documents are provided and the debt is validated, I request that you immediately cease all collection activities and stop reporting this account to any credit reporting agencies, in compliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not provide the above documentation within 30 days of receiving this letter, you must cease further contact and delete any reference of this alleged debt from any credit report to which it has been reported. 
This is not a refusal to pay, but a request for validation as provided by law. 
Sincerely, [ Signature not required if sending electronically or by mail without return ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : # ( XXXX XXXX  ) Account Number : XXXX Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit Card Account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be deleted from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
I recently received a retail installment sale contract with arbitration provision from consumers portfolio that Is forged I never ever saw this piece of paper and never ever received a contact at all from them to sign witch is part of the reason I stopped making payments They have forged and made fake titles as well in my name and I would like to start a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
RE : Debt Validation Demand & Formal Dispute Account Number : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This correspondence is a formal dispute and debt validation demand pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 605B. You are presently furnishing information to consumer reporting agencies that is unverified, inaccurate, misleading, and legally invalid. 

LEGAL DEMANDS UNDER FEDERAL LAW Pursuant to federal statutes, you are hereby instructed to immediately cease and desist all collection and reporting activity regarding the above-referenced account until the following are provided in full : The original creditors contract or application bearing my wet ink signature, proving that I agreed to the alleged debt. 

A full and unbroken chain of title from the original creditor to NCB Management Services. 

A detailed itemization of the alleged {$16000.00} balance, including interest, penalties, and fees. 

Proof of your collection agencys license and registration to operate and collect debts in the State of Georgia. 

Proof of permissible purpose under FCRA 604 authorizing you to report to consumer credit bureaus. 

Until all the above items are delivered to me in writing, you are in violation of federal consumer protection law and must immediately halt all collection and reporting activity. 

VIOLATIONS & REPORTING DEFICIENCIES Your company is reporting this alleged debt as : A collection account with a past due balance of {$16000.00} Status updated in XX/XX/year> despite no payments being made Reporting as open and delinquent simultaneously This is an egregious violation of Metro 2 reporting standards and the following federal laws : FDCPA 807 ( 2 ) ( A ) False representation of the legal status of the debt FCRA 1681s-2 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate or unverified data FCRA 607 ( b ) Failure to maintain maximum possible accuracy Metro 2 Guidelines A collection account can not carry a past due balance only the total balance due may be reported You are knowingly misrepresenting the status and legality of the debt, which constitutes consumer reporting abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX  {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXXXXXX 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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
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: Volvo Car Financial Services U.S., LLC
State: NJ

Complaint narrative:
My lease car was total loss in the accident so my insurance company paid Polestar off in full in XX/XX/year>. I requested for the payoff letter so I can cancel my plate withe motor vehicle department. 

I called them, emailed, and call again and again. They every time they said they would send the letter out but nothing has been done. 

They said they can fax it to me, but no one has a fax machine. 
Or they can mail it to me, but the mail never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however that information have not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, This letter is a formal request for validation of the alleged debt you claim I owe. According to your records, the account was opened on XX/XX/XXXX, carries a balance of {$70.00}, and is currently in collection status. 
This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I do not acknowledge this debt, and until you provide full and complete validation, I request that you immediately cease all collection activity.

Specifically, I am requesting the following documentation : 1. A complete copy of the original signed agreement or contract that created the alleged obligation. 2. A full and unbroken chain of title demonstrating legal ownership of the alleged debt, including : - The bill of sale or purchase agreement between the original creditor and any subsequent debt buyers.

- All flow agreements that govern the sale, transfer, or servicing of this alleged debt. - Any and all assignment contracts or transfer of assignment documentation. 3. Proof that your agency is legally authorized to collect this debt, including relevant state licensing or authorization.

4. An itemized statement of the alleged debt, including : - The original amount owed- All interest, fees, payments, and charges applied to the account - The dates and amounts of any transactions applied to this account 5. Full identification of the original creditor and the original account, including the date of default and charge-off, if applicable.

Until you provide full documentation validating this debt, I request that you cease all contact with me and stop reporting this debt to any credit bureaus. If you are currently reporting this debt, you must notify all credit bureaus that the debt is being disputed.

Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the appropriate state regulators. 
This is not a refusal to pay, but a lawful request for debt validation under federal law. Sincerely, [ Signature not required if sending electronically or without return address ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
My home was burglarized XXXX of XXXX, financial information and documents were stolen and financial accounts were compromised resulting in debt and collections directly related to the theft of my property. Investigation further revealed that my home had been potentially illegal accessed multiple times prior to this starting in XXXX and unauthorized purchases were being made. Credit card companies have refused to close out this debt and remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
I review my Equifax credit report and saw and account that didn't belong to me. This account is XXXX account ending in XXXX with a balance of {$5100.00}. XXXX 's account was open in XXXX of XXXX and notice this account on my Equifax credit report in XX/XX/XXXX. I have contacted XXXX and did a police report and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
RE : Debt Validation & Traffic Block Demand Immediate Cease of Illegal Reporting Account Number : XXXX Balance Alleged : {$320.00} This is a formal dispute and demand for validation pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA 605B. I am demanding full debt validation for the above-referenced account. Your continued reporting of this alleged debt on my consumer credit profile is causing irreparable harm to my reputation, denial of credit, and financial hardship. 

You are required to provide the following within 30 days : The original contract or promissory note with my wet signature, establishing my obligation. 

Proof of chain of title or assignment, showing legal ownership of the debt. 

Breakdown of the alleged balance, including fees, charges, and interest. 

License and bond to collect debt in the State of Georgia, as required under Georgia statutes. 

Documentation of permissible purpose under FCRA 604 to furnish data to any consumer reporting agency. 

VIOLATIONS COMMITTED You are unlawfully furnishing a " collection account '' with a {$320.00} past due balance, which is an illegal XXXX XXXX violation. Once an account is in collections, it can not legally report as past due this status falsely implies ongoing billing terms and misrepresents the legal standing of the debt. 

You are in violation of : FDCPA 807 ( 2 ) ( A ) False representation of the character and legal status of debt FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing data known to be inaccurate FCRA 611 & 623 Failing to properly investigate and resolve a disputed account XXXX XXXX Guidelines Improper past-due status and date field misreporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation