vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Dear XXXX XXXX XXXX, This letter serves as a final notice regarding your continued reporting of an account identified as # XXXX, a utility collection account allegedly opened on XX/XX/XXXX, and reported as active through XX/XX/XXXX. Despite previous disputes and requests for validation, you have failed to provide sufficient and legally required documentation proving that this account belongs to me. 

You have not provided : A signed contract or service agreement Itemized account statements Proof of ownership or liability As such, your continued reporting of this account as a collection item with a balance is inaccurate, unverifiable, and misleadinga direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that furnishers of credit information must follow reasonable procedures to ensure maximum possible accuracy.

Because you have ignored my prior disputes and have furnished false or unverifiable information, you are now subject to civil liability under : FCRA 1681n : For willfully furnishing false information or failing to correct known inaccuracies FCRA 1681o : For negligently failing to comply with FCRA obligations You may be held liable for actual damages, statutory damages, punitive damages, attorneys fees, and court costs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Charged-Off Account and Request for IRS Form XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reported Balance : {$4700.00} Date of Last Activity : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Reported : XX/XX/XXXX To Whom It May Concern : I am writing to dispute the accuracy and status of the above-referenced account as it appears on my credit reports with TransUnion and Experian. The account is listed as charged-off with a balance of {$4700.00}, last reported on XX/XX/XXXX. I am requesting that you : 1. Validate the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : Full payment history, Charge-off documentation, Proof of account ownership, Date and amount of the last payment.

2. Clarify the cancellation of debt status : If this debt has been canceled, forgiven, or otherwise discharged by XXXX or any of its third-party collection agents, please issue a copy of IRS Form 1099-C reflecting the cancellation of the {$4700.00} balance.

If the debt has not been canceled or forgiven, please confirm this in writing. If it has been transferred or sold, kindly identify the current owner and provide their contact details. 

This account is being reported as charged-off and closed, yet still shows an outstanding balance, and there appears to be no collection agency actively managing the account. If XXXX no longer intends to collect on this account and the debt qualifies under IRS guidelines for cancellation, then the law may require the issuance of a 1099-C.

Please consider this letter as both a debt validation request and a formal dispute of the information being reported to the credit bureaus. I request that you respond within 30 days of receipt, per FCRA and FDCPA guidelines. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of credit report showing XXXX account Photo ID ( optional but helpful ) Any supporting documentation ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Returned certified mail and phone number listed on my credit report is not functioning so Im unable to correspond with this entity. 

XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint because TD Auto Finance has failed to release the title to my vehicle, even though the loan was paid off in full on XX/XX/year>. For nearly two months, TD Auto Finance has provided misleading, conflicting, and often inaccurate information, preventing me from legally registering or using my vehicle, causing financial hardship. 
Summary of Events : XX/XX/year> : I paid off my loan in full. TD Auto Finance refused to release the lien until they received the original title back from us when we initially requested a state to state transfer but was denied. This delay has caused significant financial strain, as we have been forced to rely on rental cars in place of our own vehicle, an expense we could avoid if we simply had access to the title. We believe the title may have been lost by TD Auto Finance, and we are urgently seeking a resolution.

To clarify, although permission was granted by TD Auto Finance to initiate a state-to-state title transfer, we never submitted the formal request, and the Montana DMV has confirmed that they have had no involvement with this title. Therefore, there should be no outstanding title transfer request that would delay this process. 

As part of the process, we shipped the title back to TD Auto Finance with XXXX tracking number XXXX. According to XXXX records, it was delivered on XX/XX/year> at XXXXXXXX XXXX 

The title was returned via USPS Tracking # XXXX and delivered to TD Auto Finance on XX/XX/year> at XXXX XXXX per tracking confirmation. However, TD claimed they never received it or it was routed to the wrong department. 

Since then, Ive been told multiple, contradictory explanations from TD representatives : Some said the title had been received. 

Others said it was missing. 

Several blamed delays on the Montana DMV, but I confirmed that the Montana DMV was never involved, the paperwork was rejected internally and never submitted to the state.

One representative hung up on me mid-call when asked for clarification.

TD Auto Finance has escalated my case multiple times with no resolution or promised callbacks. As of XX/XX/year>, I still do not have my title, and I can not register or drive the vehicle.

Financial & Legal Impact : Because TD Auto Finance has not released my title, I can not sell or register my car without the lien holder on the title, which is fully paid off. As a result : I have been forced to rely on rental cars for transportation, incurring significant unexpected expenses.

I am unable to sell, trade, or use my vehicle, despite owning it outright.

TD Auto Finances refusal to act and shifting blame is effectively holding my property hostage. I can provide a descriptive timeline as well, it is just bigger than XXXX so I am unable to upload here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: AL

Complaint narrative:
I am writing to dispute the validity of the alleged debt reported by XXXX XXXX. On XX/XX/year>, I received documents from this collection agency regarding the {$4200.00} charges they claim are owed to XXXXXXXX XXXX. After carefully reviewing the information provided, I found significant discrepancies in the details, including fabricated classes and false amounts supposedly owed to the Department of Education, totaling {$160000.00}. Because of these inaccuracies, I have already filed a dispute with TransUnion, as XXXX XXXX has reported these false charges on my credit report. I request that this account be thoroughly investigated and that all inaccurate information be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
I am filing this complaint against PayPal and several financial institutions due to a serious pattern of mishandling chargebacks and reversals. 

The issue began when a number of customerswho had previously authorized legitimate transactionsfiled fraudulent chargebacks through their banks or financial institutions. Despite providing clear evidence that these transactions were conscious, voluntary, and legitimate ( including screenshots, contracts, communication records, receipts, and proof of services delivered ), PayPal failed to defend against the chargebacks. 

PayPal automatically sided with the chargebacks, withdrawing large amounts of money from user accounts without conducting proper investigations. This led to negative balances, account holds, financial loss, and in some cases, potential credit damage. 

Additionally, the financial institutions involved failed to comply with Regulation XXXX, which requires them to perform reasonable investigations before approving a chargeback. Instead, they processed reversals without verifying the evidence or context of the transactions. 

This situation has affected not only me but also a group of nearly XXXX individuals, with over XXXX total cases, and more than XXXX solid, fully documented claims. We believe this represents a systematic failure in PayPals dispute resolution process and negligence from the financial institutions involved. 

We are requesting that PayPal and the banks involved be held accountable for these unfair practices, and that the CFPB help enforce proper consumer protections under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

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 2025-07-01 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: CA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Money was taken from my account XXXX bucks from chime financial. I never received my order the company I ordered for said they returned it chime is giving me the go waiting on my money holding it asling as possible with no answers I need my money credit back to my account today been to long

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-01 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: NY

Complaint narrative:
I am formally disputing the information being reported on my credit file regarding the XXXX XXXX  account, opened on XX/XX/year>, with a {$5000.00} credit limit. 

The current data being reported is inaccurate, misleading, and damaging to my credit profile. I have attached proof ( see enclosed screenshot ) showing : A reported {$0.00} balance, A credit limit of {$5000.00}, An account status showing Current, A 100 % on-time payment history, No record of delinquencies, late payments, or derogatory marks. 

There is no valid reason this account should reflect anything that negatively impacts my creditworthiness. I demand that you immediately investigate and remove any erroneous, outdated, or unverifiable information related to this account from my credit file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to complete your reinvestigation within 30 days. If this issue is not resolved promptly and accurately, I will escalate the matter to the Consumer Financial Protection Bureau, the FTC, and pursue any legal remedies available to me under federal law. 

This is your legal notice. I expect written confirmation of your investigation and the permanent deletion or correction of any inaccurate reporting associated with this XXXX XXXX account.

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 2025-07-01 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: NY

Complaint narrative:
I am formally disputing the information being reported on my credit file regarding the XXXX XXXX  account, opened on XX/XX/year>, with a {$5000.00} credit limit. 

The current data being reported is inaccurate, misleading, and damaging to my credit profile. I have attached proof ( see enclosed screenshot ) showing : A reported {$0.00} balance, A credit limit of {$5000.00}, An account status showing Current, A 100 % on-time payment history, No record of delinquencies, late payments, or derogatory marks. 

There is no valid reason this account should reflect anything that negatively impacts my creditworthiness. I demand that you immediately investigate and remove any erroneous, outdated, or unverifiable information related to this account from my credit file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to complete your reinvestigation within 30 days. If this issue is not resolved promptly and accurately, I will escalate the matter to the Consumer Financial Protection Bureau, the FTC, and pursue any legal remedies available to me under federal law. 

This is your legal notice. I expect written confirmation of your investigation and the permanent deletion or correction of any inaccurate reporting associated with this XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief