vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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:
I have been affected by the data breaches, and information has been reported to the credit bureaus inaccurately. I am attaching all documents which Ive obtained, as well as an affidavit as evidence.

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 2025-09-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}

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 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> RE : Cease and Desist Account # [ Insert account or reference number, if you have it ] To Whom It May Concern : I am formally requesting that you cease all communication with me regarding the alleged debt associated with a prior eviction that you are attempting to collect. I have received numerous phone calls, text messages, and other aggressive contact attempts, which I consider to be harassing and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

This letter serves as my official notice for you to immediately cease and desist all forms of communication with me, including but not limited to : Phone calls Text messages Voicemails Emails Mail correspondence Any further contact from your agencyexcept to inform me that collection efforts have been terminated or that specific legal action is being takenwill be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Additionally, I dispute the validity of this debt and reserve all rights to request verification and take further legal action if necessary. If this debt is being reported to any credit reporting agency, I demand that it be properly investigated and removed if it can not be substantiated. 

Failure to comply with this cease and desist demand will result in immediate escalation through regulatory and legal channels. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX for $ XXXX first issue I encountered was with the Hot/Cold thermostat a few days after I purchased the vehicle. It was an easy fix. Everything was running smoothly up until XXXXXXXX XXXX XXXX. I started having more serious issues with the vehicle. There had been a recall on a specific type of drive shifter for the year of my vehicle at the time. This recall had occurred before I purchased the vehicle. The shifter had began to give me problems while driving. When at a stop light the shifter would go into park or neutral, and I had to turn the vehicle on/off in the middle of traffic. I took it to the XXXX shop to get diagnosed and it was indeed an internal issue with the shifter. I purchased the part ( shifter ) to get replaced. Unfortunately, XXXX could not fix the problem, it was a fuse issue. At this point, the repair began to become very costly. The vehicle became a hazard in traffic and dangerous to drive due to it switching gears while at a standstill. In the midst of all these problems I was still making car payments of $ 390 monthly on a vehicle I could no XXXX XXXX. I informed my financial institution of the problems, but was still expected to keep paying on the vehicle. After XXXXXXXX XXXX XXXXXXXX I could no longer afford to keep paying for a vehicle that was no longer mobile. I informed my financial institution of my decision to return the vehicle due to my situation of not being able to get it fixed. I returned the vehicle and the remaining balance for the vehicle was reported to the credit bureau. A year later XXXX, the financial institution tries to reach me. They called family members and friends trying to get in contact with me. When I spoke to them I was told that I still was expected to pay off the remaining balance even though it was reported to my credit and I no longer owned the vehicle. I am in no position to pay for something I no longer have. I get phone calls almost everyday asking for payment after explaining to them that I can not afford to pay for a vehicle I dont hold possession of. They are now threatening to take me to court and garnish my tax return for the balance that was left on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LA

Complaint narrative:
I AM REQUESTING MY FULL FILE DISCLOSURES FROM ALL CRA 'S IN A TIMELY MANNER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LA

Complaint narrative:
I AM REQUESTING MY FULL FILE DISCLOSURES FROM ALL CRA 'S IN A TIMELY MANNER

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 2025-09-13 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Unfortunately, I am a victim of XXXX XXXX. XXXX  XXXX and I discussed this this situation and they were working with me. XXXX  XXXX had been removed from the credit reports since XXXX  due to the it being XXXX XXXX debt. It was purchased by portfolio recovery and was not notified by them. It showed up on the credit report without notice. Due to XXXX XXXX and discussion with credit agencys, Id like to please have this removed. Ive sent documents of past removals of debts from the credit agencys due to XXXX  and documents to support my unfortunate situation. I need to move out of my home with my XXXX XXXX children. I can not move unless the credit is back to its original shape. This improper reporting on the report has caused me to be denied for two apartments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Unfortunately, I am a victim of XXXX XXXX. Capital one and I discussed this this situation and they were working with me. Capital one had been removed from the credit reports since XXXX  due to the it being XXXX XXXX  debt. It was purchased by XXXX XXXX and was not notified by them. It showed up on the credit report without notice. Due to XXXX XXXX  and discussion with credit agencys, Id like to please have this removed. Ive sent documents of past removals of debts from the credit agencys due to XXXX  and documents to support my unfortunate situation. I need to move out of my home with my XXXX XXXX children. I can not move unless the credit is back to its original shape. This improper reporting on the report has caused me to be denied for two apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: Experian Information Solutions 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 2025-09-13 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have call and paid off XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Requested receipt that payment was paid to XXXX balance. It is still on credit report all three, I have requested for removal. I am in process of being qualified for house, but need this removed from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
On XX/XX/year> I sent a certified validation letter out to credence resources. The letter was returned to me marked Return to Sender No Longer at This Address / Undeliverable. This means I have been unable to reach the company to request validation, yet they continue to report this collection account on my credit report. 
I am concerned that the information being reported may be inaccurate or unverifiable, and I would like CFPBs assistance to confirm the companys correct contact information, require them to validate the debt, or remove the account if it can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, my boyfriend and I were the victims of a fraud through XXXX. The scammers communicated with my boyfriend through XXXX regarding a purchase we were making together. They provided him with the recipients account information, and I sent {$1200.00} through XXXX to that account in the XXXX After the payment, we discovered it was a scam and no product was delivered. 

I immediately reported the transaction to Truist, filed a fraud claim, and also filed a police report. Truist denied my claim, stating that the transaction was considered an authorized purchase and that the only way to recover my money would be for the recipients bank to return the funds. I specifically requested that Truist investigate the transaction, identify the recipient of the XXXX account, and refund my money, but they have not provided this information or any resolution. 
After I submitted the initial report to Truist, I received an email and also called the bank to ask if they needed any additional documentation, since they had only asked me a few questions by phone. The representative told me that I should wait for a letter in the mail requesting further information. However, I never received such a letter. Before sending me any formal request for evidence, Truist simply dismissed my case. 
This was a clear case of fraud and scam, and I am requesting the CFPB to review this matter and ensure that Truist properly investigates and protects consumers from XXXX fraud.

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 2025-09-13 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
State: FL

Complaint narrative:
Yes of my account was apparently blocked on XX/XX/year> and I was unaware or uninformed of the block on my PayPal account so I deposited XXXX XXXX into my blocked account which I have on record a manager and it and support technician both state that there is no incoming transactions or outgoing transactions into a blocked account okay so I don't understand how my my XXXX  got deposited into that account it should have been rejected by them and I've informed them that I have deposited and sold my XXXX  to them in the amount of {$120.00} that they refuse to let me access I don't want to use the account I just want to transfer my friends to my external linked bank account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing regarding your repeated attempts to contact me regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all communication with me regarding this matter. 

Do not contact me by phone, mail, email, or any other method. Any further contact from your company will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please be advised that I am requesting that all future communication be in writing only, if necessary, and sent to my address listed above. Additionally, I request verification of the alleged debt and a detailed account statement. 

This letter serves as my formal notice to cease and desist all communication with me. 

Sincerely,

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