vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XX/XX/XXXX. 2025 National Credit Systems , Inc . 
P.O. XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation To Whom It XXXX Concern, This letter is being sent in response to a notice of collection or entry appearing on my credit report allegedly associated with XXXX XXXX XXXX. I am formally requesting validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following documentation in order to properly validate and substantiate this alleged debt : 1. A complete copy of the assignment contract or agreement demonstrating that XXXX XXXX XXXX has the legal right to collect on this account. 
2. The forward flow agreement or any purchase agreement between the original creditor and XXXX XXXX XXXX that authorizes the collection of this alleged debt. 
3. Account-level documentation, including but not limited to : - A copy of the original, signed lease or contract allegedly creating the obligation. 
- An itemized statement of all charges, payments, credits, fees, and interest applied. 
- Copies of any correspondence or notices of default sent by the original creditor. 
Until such time that you provide the above requested information, you must cease and desist all collection activities, including reporting to any credit reporting agencies, as failure to properly validate constitutes a violation of the FDCPA. 
Please note : merely providing a summary, billing statement, or generic data printout is insufficient. 
Validation requires competent evidence that I am legally obligated to pay the alleged debt and that your company has the proper legal standing to collect it. 
If you are unable to provide the requested documentation, you must immediately remove any reference to this alleged debt from my credit reports and cease all collection activities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
In XX/XX/2023, I purchased a vehicle through Vroom, financed by a third-party lender. Since then, I have identified multiple discrepancies and issues that undermine the validity of this loan agreement : Contract Discrepancies : The loan contract provided by Vroom does not match the version held by the finance company. Key terms and details differ, which raises concerns about accuracy, consent, and fair disclosure. 

Failure to Disclose Vehicle Defects : The vehicle was sold with serious underlying issues, including battery problems and several open safety recalls. These were never disclosed at the time of purchase and materially affect the safety, reliability, and value of the vehicle. 

Minimal Use of Vehicle : Due to the defects, I have had limited use of the car since XX/XX/2023, yet I remain obligated under a loan that was misrepresented. 

Closure of Vroom : Vroom has since ceased operations, leaving me without any way to resolve these discrepancies directly with the seller.

Because of these factors misrepresentation in loan documentation, nondisclosure of critical safety issues, and the sellers shutdown I am formally seeking to rescind this loan. I request that the lender and associated parties recognize these discrepancies and release me from a contract that was never validly or fairly established. 



This situation has caused financial hardship and placed me in a position where I am paying for a defective and unsafe vehicle under misleading terms. I ask the CFPB to intervene to ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I made an international wire transfer to my BofA account on the morning of XX/XX/year> ( XXXX ). During the remittance process, I logged in to my account to look for the information I needed for the transfer. It was all normal. However, when I tried to checked whether the money was received in my BofA account in the afternoon, I found out my account was closed but I did not get any notice of this in advance. Consequently, I paid multiple fees to fix this. If I was notified, I would not make the transfer and waste unnecessary time and money.

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 2025-09-25 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: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX  Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Subject : Formal Debt Dispute & Validation Request To Whom It May Concern, I am writing to dispute the validity of the alleged debt for the amount of {$2000.00} that is reported on my credit report. I request that you provide full validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, please provide the following : Proof that I am legally obligated to pay the debt, including a copy of the signed agreement or promissory note. 

A complete accounting of the balance you claim is owed, showing how principal, interest, fees, and any other charges have been calculated. 

Documentation establishing that your organization has the legal right to collect on this debt, including the full chain of assignment if it has been transferred or sold. 

Verification that this account is being reported accurately to the credit reporting agencies.

Until you provide the requested validation, you must cease all collection activity and stop reporting this debt to credit reporting agencies. If this debt can not be validated, I request that it be removed immediately from your records and from any consumer credit reports.

This letter is not a refusal to pay, but a notice that your claim is disputed. Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a second complaint against TransUnion regarding multiple unauthorized inquiries that remain on my credit report despite my previous formal dispute and complaint submissions ( CFPB Complaint Nos. XXXX, XXXX, and XXXX ). 
TransUnion has failed to remove the unauthorized inquiries within the 30-day period required under the Fair Credit Reporting Act ( FCRA 611 ). I did not authorize the following inquiries, nor were any credit applications initiated by me : XXXX XXXX XXXX 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 I am now demanding the method of verification used in their reinvestigation, as permitted by FCRA 611 ( a ) ( 7 ), which they have failed to provide. I am requesting CFPB assistance to ensure TransUnion : Provides the full method of verification and documentary proof that I authorized each of these inquiries. 
Removes all inquiries that can not be verified with proper documentation. 
Please see the attached second notice letter for details.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against SALLIE MAE BANK INC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

SALLIE MAE BANK INC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Per, FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Per, FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I dispute the accuracy of the XXXX XXXX XXXXXXXX tradeline. The balance is inflated and inconsistent with records. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you must conduct a reasonable reinvestigation. If documentation is not provided, delete this account. Continued inaccurate reporting exposes you to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I have disputed multiple inaccurate and unverified derogatory accounts on my credit file with [ TransUnion/Experian/Equifax ] under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611.

Despite my certified dispute letter dated [ Insert date you mailed the letter ], these bureaus continue to report accounts that are inaccurate, incomplete, or unverifiable. 
The disputed accounts include : XXXXXXXX XXXX XXXXXXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXXXXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX Acct # : ending XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : ending XXXX XXXX XXXX ( duplicate tradeline ) Acct # : ending XXXX These items remain even though the bureaus have not provided a valid method of verification within the 30-day period required by FCRA 611.

This constitutes willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed multiple inaccurate and unverified derogatory accounts on my credit file with [ TransUnion/Experian/Equifax ] under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611.

Despite my certified dispute letter dated [ Insert date you mailed the letter ], these bureaus continue to report accounts that are inaccurate, incomplete, or unverifiable. 
The disputed accounts include : XXXXXXXX XXXX XXXXXXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXXXXXX XXXX XXXX Acct # : ending XXXX XXXX XXXX XXXX XXXX Acct # : ending XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX Acct # : ending XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : ending XXXX XXXX XXXX ( duplicate tradeline ) Acct # : ending XXXX These items remain even though the bureaus have not provided a valid method of verification within the 30-day period required by FCRA 611.

This constitutes willful noncompliance under FCRA 616 and 617.

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 2025-09-25 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial 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 explanation
Consumer complaint received 2025-09-25 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: OK

Complaint narrative:
I am submitting this as continuing correspondence and additional information to my recent dispute regarding the XXXX personal installment closed-end loan # XXXX. The reporting by XXXX contains a blatant factual impossibility : their letter claims a debt validation notice was sent to me on XX/XX/year>, yet this loan was not originated until [ insert exact loan origination date ], nearly two years later. 

Because the loan did not exist at the time they claim to have sent notice, the account is invalid, unverifiable, and entirely inaccurate. XXXX can not provide any legitimate proof of this account prior to its actual origination, and their repeated e-OSCAR confirmations or CFPB responses do not change this fact. 

I am demanding that you immediately delete this account from my credit report. Its continued presence is a violation of the Fair Credit Reporting Act, and this submission is additional information demonstrating the accounts inaccuracy. 

Failure to promptly delete this account will leave me no choice but to escalate this matter through the CFPB and pursue all available legal remedies.

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