vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
Debt Dispute Letter Oliphant USA LLC ( XXXX XXXX XXXX Oliphant USA LLC XXXX XXXX XXXX XXXX, FL XXXX RE : Formal Dispute of Alleged Debt Original Creditor : XXXXXXXX XXXXk Collection Agency : Oliphant USA LLC Credit Bureau Reporting : TransUnion To Whom It May Concern : This letter is a formal dispute of the alleged account you are reporting on my XXXX  credit report under the original creditor XXXX XXXX. The account currently appears as Placed for collection with multiple indicators showing Account information disputed by consumer. 
I dispute this debt in full and demand immediate validation pursuant to federal law. 



XXXX. I never received proper notice of the sale, transfer, or assignment of this account. 

Under the FDCPA and relevant state contract laws, any assignment or sale of a debt requires that the consumer receive proper notice. I never received : A notice of assignment Proof of transfer Any statement showing Oliphant USA LLC has legal ownership If these documents do not exist, the debt is invalid and unenforceable. 



XXXX. Full debt validation is required under 15 U.S.C. 1692g. 

I request that you provide complete validation, including : A copy of the original XXXX XXXX  agreement with my signature A full itemized accounting showing how the amount was calculated Proof of the legally authorized transfer or assignment to Oliphant USA LLC The date of last payment Proof you are licensed to collect in my state Verification that the amount reported is accurate and owed Until this validation is provided, you must stop reporting or verifying this account with any credit bureau. 



XXXX. The amount reported is inaccurate and unverified. 

Because no documentation has been provided, the amount can not be confirmed as accurate and must be treated as disputed and unverified. 



XXXX. If validation can not be provided, you must delete the account immediately. 

Under the Fair Credit Reporting Act ( FCRA ) and FDCPA, if you can not validate this debt : You must delete the account from all credit bureaus You must cease all collection activity You may not continue verifying the information with TransUnion Failure to comply is a violation of federal law. 



XXXX. Cease and desist phone calls. 

I do not give consent for telephone contact. 
All communication must be in writing only, as allowed under the FDCPA. 



You have 30 days to respond. 

If proper validation is not provided, I will file complaints with : CFPB FTC Texas Attorney General XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: CA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: CA

Complaint narrative:
I am filing this complaint against January Technologies Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I disputed the alleged {$310.00} debt on XX/XX/year> in writing and formally requested full debt validation pursuant to 15 U.S.C. 1692g. In response, on XX/XX/year> January Technologies failed to provide proper legal validation. They did not provide any contract or agreement bearing my signature, any bill of sale or chain of assignment proving legal ownership or authority to collect, any proof of licensure to collect in my state, or any verification of credit reporting dates. 

Instead of providing proper validation, January Technologies has continued to report this alleged collection account to XXXX XXXX and XXXX This continued reporting after failure to validate constitutes illegal collection activity and the furnishing of unverified and inaccurate credit information. 
Their actions constitute violations including but not limited to : FDCPA 1692g ( b ) Continued collection without validation, FDCPA 1692e ( 8 ) Reporting disputed information as if it were verified, FCRA 1681s-2 ( b ) Furnishing unverified information after notice of dispute. I demanded that January Technologies cease collection activity and delete the tradeline due to their failure to validate. They have not complied. I am requesting that the CFPB require January Technologies Inc. t
o : 1. Immediately cease all collection activity ; 2. Immediately request deletion of this account from XXXX XXXX  and XXXX ; 3. Provide written confirmation of deletion ; 4. Correct any inaccurate reporting that resulted from their unlawful conduct. 

I have retained copies of all correspondence and credit reports showing their continued reporting despite failure to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: HI

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts that I believe have inaccurate or incomplete information on my credit reports. Please review the details below : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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 grant 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am a consumer actively working to repair my credit. I respectfully request that the accounts listed below be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). The following are the accounts I am disputing, separated by each bureau : Charged-Off Accounts : XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, {$0.00} DEPT OF EDXXXX, XXXX, XX/XX/XXXX, {$0.00} DEPT OF ED/XX/XX/XXXXXXXX, XX/XX/XXXX, {$0.00} DEPT OF ED/XX/XX/XXXXXXXX, XX/XX/XXXX, {$0.00} DEPT OF ED/XX/XX/XXXX XXXX, XX/XX/XXXX, {$0.00} DEPT OF ED/XX/XX/XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX OF ED/XX/XX/XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXX/XX/XXXXXXXX, XX/XX/XXXX, {$82000.00XX/XX/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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
I have had insurance through XXXX via XXXX XXXX. Apparently XXXX and XXXX XXXX ended their partnership and cancelled all their homeowners insurance policies. I didn't know my policy with them was put on non renewal until I received a letter from my mortgage company Planet Home Lending approximately 2 weeks after my insurance expired. I was able to get an insurance policy within 2 weeks of being notified however, there was about a month lapse in insurance coverage. No company i contacted was going to backdate insurance coverage during that time. I mean i had difficulty even getting an insurance provider to give me a quote due to the lapse i didn't even know about. 

Because of this month long lapse in coverage, my mortgage company Planet Home Lending, is now stating i have to pay them an insurance premium to cover the lapse in coverage. 

I had no idea my original insurance was put on non renewal. Due to the lapse, hardly any insurance company would even quote me for insurance and if they did, it was wildly overpriced compared to what I was paying. Now, my mortgage company wants me to pay them as well for a policy in the past that I couldn't get when I tried to get insurance to backdate the policy. 

This is an extremely shady tactic. Instead of Planet Home Lending being understanding of the situation and attempting to work with me or lower or remove the insurance premium they're charging me with, I was met with " Sorry, nothing we can do, you'll be forced to pay it since you didn't have coverage during that time. '' This was what the supervisor of the insurance department told me. 

This could've been a defining moment in great customer service, to work with me or waive the insurance premium charge. Surely a mortgage company can afford to waive it. But instead they pass it on to the client with no afterthought. 

I will be doing everything in my power to never contact them again and I will be looking to refinance with another company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-03 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: GA

Complaint narrative:
I am writing to dispute inaccurate information that is appearing on my credit file. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ). 
Full Name : XXXX XXXX Email : XXXX Last 4 of SSN : XXXX XXXX : XX/XX/year>XXXX  Account in Dispute : XXXX : XXXX XXXX Account Number : XXXX Type : Charged-Off Account Credit Bureau ( s ) : Equifax, Experian, TransUnion The charge-off reported on this account is inaccurate, incomplete, and/or unverifiable. Specifically : I settled/paid this account, but it is still showing as a charge-off. The furnisher has failed to provide proof of ownership, verification, or accurate reporting Based on FCRA 602, 607, and 611, credit bureaus must ensure information is accurate, verifiable, and reported consistently. Because the information currently appearing is not accurate or can not be verified, I am requesting the bureaus conduct a reinvestigation and remove or correct this charge-off accordingly.

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 2025-12-03 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: GA

Complaint narrative:
I am writing to dispute inaccurate information that is appearing on my credit file. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ). 
Full Name : XXXX XXXX Email : XXXX Last 4 of SSN : XXXX XXXX : XX/XX/year>XXXX  Account in Dispute : XXXX : XXXX XXXX Account Number : XXXX Type : Charged-Off Account Credit Bureau ( s ) : Equifax, Experian, TransUnion The charge-off reported on this account is inaccurate, incomplete, and/or unverifiable. Specifically : I settled/paid this account, but it is still showing as a charge-off. The furnisher has failed to provide proof of ownership, verification, or accurate reporting Based on FCRA 602, 607, and 611, credit bureaus must ensure information is accurate, verifiable, and reported consistently. Because the information currently appearing is not accurate or can not be verified, I am requesting the bureaus conduct a reinvestigation and remove or correct this charge-off accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing several items on my credit file with TransUnion. These accounts require your immediate attention for verification and correction. 

Charged-Off Accounts :XX/XX/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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
XX/XX/XXXXAccount NumberXX/XX/XXXXRequest for Hardship Removal of Repossession EntryXX/XX/XXXXTo Whom It May Concern,XX/XX/XXXXI am writing regarding the above-referenced account and the repossession that is currently being reported on my credit file. I fully acknowledge the debt; however, I am requesting that you consider removing the repossession entry from my credit report based on significant financial hardshipXX/XX/XXXXAt the time of the default, I was experiencing circumstances beyond my control, including:\nI was in a XX/XX/XXXX situation where I was forced into buy this car in which I could not drive I had no license and could not drive he had so much control over me and my life situations.  I lost everything from this relationship now me and my now XX/XX/XXXX daughter share a basement at my XX/XX/XXXX grandfather house.  I cannot get housing cause my credit score has been impacted from this devastating relationship. I lost almost everything.XX/XX/XXXXThese events severely impacted my ability to maintain payments, and I had no alternative but to prioritize basic living expenses and household needsXX/XX/XXXXMy financial situation has stabilized since then, and I am working diligently to rebuild my credit and regain long-term stability. Removing this repossession from my credit report would provide significant assistance in helping me get back on trackXX/XX/XXXXI respectfully request that you:XX/XX/XXXXRemove the repossession from all credit bureaus XX/XX/XXXX) as a goodwill/hardship adjustment, andXX/XX/XXXXUpdate the account status to reflect a more favorable standing if deletion is not possible.XX/XX/XXXXThis request is not a refusal to pay; it is simply a request for consideration based on documented hardship and a sincere effort to restore my financial healthXX/XX/XXXXThank you for your time and understanding. I appreciate your willingness to review my situation. Please notify me in writing once the update has been completedXX/XX/XXXXSincerelyXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: MO

Complaint narrative:
XXXXMeta Account Lockout , Failed Authentication, and Resulting Business Harm Complainant : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX : Beginning XXXX XXXX, XX/XX/XXXX Present Issue Summary Since XX/XX/year>, I have been locked out of my XXXX account and all connected Meta business assets due to a failed identity verification process followed by a forced logout that immediately triggered a XXXX authenticator-only loop. The issue remains unresolved as of XX/XX/year>, despite repeated contact with Meta support. 

1. How the Problem Began The issue began when Meta mailed a social-issue verification letter between XX/XX/year>. When I attempted to upload my ID, Metas upload tool malfunctioned repeatedly and would not accept the images. Immediately after these failed ID upload attempts, Meta forced me out of my account. 

2. XXXX Authentication Failure After the forced logout, Meta required authenticator-app codes only.

My SMS and email codes continued to work, but Meta refused to accept them and forced authenticator-only login, even though both authenticator apps were out of sync. 
No backup codes or recovery options were available. 
All login paths ( XXXX, XXXXXX/XX/XXXX XX/XX/XXXXXXXX ) failed at the same step. 
Attempts on XX/XX/XXXX ( XXXXXX/XX/XXXXXXXX ) and after the 72-hour window ending XX/XX/XXXXXX/XX/XXXXalso failed. 

3. Support Failures Meta repeatedly misclassified my case as a hacked account, which routed it to the wrong team.

Many cases were closed without action. Only two remain active : XXXX XXXX XXXX Business Harm This lockout caused : Holiday sales losses ( XX/XX/XXXX ) Inability to manage ads or communicate with customers Ads running without control Forced lock of payment cards ad account suspension Paid for Meta Verified twice with no resolution 5. Evidence Repository I maintain a detailed repository including videos, screenshots, timelines, emails, billing logs, login-failure recordings, and support documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/XXXXAuto loan / total loss / insurance payment handlingXX/XX/XXXX, I financed aXX/XX/XXXX through America First Credit Union. On XX/XX/XXXX the vehicle was deemed a total loss by my insurance carrier, XX/XX/XXXX and the lienholder was immediately notified. Despite this, XX/XX/XXXXapplied unauthorized fees totaling over XX/XX/XXXX failed to provide an itemized ledger of insurance payments, and refused to refund surplus funds and sales tax owed to meXX/XX/XXXXThe account was never delinquent, no repossession occurred, and I had not made any payments before the loss. All charges assessed post-loss are illegal and unauthorized, constituting a violation of Truth in Lending Act (TILA)XX/XX/XXXXconsumer protection laws, and basic contract principlesXX/XX/XXXXI am requestingXX/XX/XXXX.\tImmediate full accounting of how the insurance settlement was appliedXX/XX/XXXXt2.\tRemoval of all unauthorized post-loss fees.XX/XX/XXXXRefund of surplus funds, including any sales tax overpaymentXX/XX/XXXX\tWritten confirmation of corrected account status and credit reportingXX/XX/XXXX. Desired OutcomeXX/XX/XXXXFull resolution of illegal feeXX/XX/XXXXRefund of surplus fundsXX/XX/XXXXLedger audit showing insurance settlement allocationXX/XX/XXXXConfirmation no negative credit reportingXX/XX/XXXX

Company response to consumer: Closed with explanation