vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX or any affiliated collectors. Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. - No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing. 3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. - Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law. XXXX. Case Law Supporting This Position : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards. 

DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from Equifax, Experian, and TransUnion ; - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( XXXX XXXX ). 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXXXXXX 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 Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX or any affiliated collectors. Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. - No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing. 3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. - Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law. 4. Case Law Supporting This Position : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards. 

DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from XXXX XXXX XXXX  TransUnion ; - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor 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 2025-08-09 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$53.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX balance {$3000.00} XXXXXXXX XXXX XXXXXXXX balance {$1700.00} XXXX XXXX balance {$970.00} XXXXXXXX XXXX XXXX balance {$870.00} XXXXXXXX XXXX  XXXX balance {$850.00} XXXXXXXX XXXX XXXXXXXX balance {$700.00} XXXX XXXX balance {$580.00} XXXX XXXX  XXXX balance {$580.00} XXXX XXXXXXXX balance {$500.00} XXXX XXXX balance {$450.00} XXXX XXXX XXXX balance {$130.00} XXXX XXXX XXXX balance {$120.00} XXXX XXXX XXXX XXXXXXXX balance {$160.00} XXXX XXXX XXXX  XXXX balance {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$53.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX balance {$3000.00} XXXXXXXX XXXX XXXXXXXX balance {$1700.00} XXXX XXXX balance {$970.00} XXXXXXXX XXXX XXXX balance {$870.00} XXXXXXXX XXXX  XXXX balance {$850.00} XXXXXXXX XXXX XXXXXXXX balance {$700.00} XXXX XXXX balance {$580.00} XXXX XXXX  XXXX balance {$580.00} XXXX XXXXXXXX balance {$500.00} XXXX XXXX balance {$450.00} XXXX XXXX XXXX balance {$130.00} XXXX XXXX XXXX balance {$120.00} XXXX XXXX XXXX XXXXXXXX balance {$160.00} XXXX XXXX XXXX  XXXX balance {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT, XXXX Subject : Debt Validation Request under 15 USC 1692g Dear [ Debt Collector 's Name or Agency ], I am writing in response to your communication regarding an alleged debt, account number [ insert account number if known ]. I do not acknowledge this debt and am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request proper validation. 

Please provide me with the following : The name and address of the original creditor The original account number The amount of the alleged debt A copy of the signed agreement or contract creating the obligation A complete accounting of how the alleged amount was calculated Verification that you are authorized to collect this debt in my state Proof that you are reporting this debt accurately to credit bureaus Furthermore, if this debt is being reported to any credit bureau, be advised that under 15 U.S.C. 1681s-2, you are required to only furnish accurate and verifiable information. Until this matter is resolved, I formally request that you cease all collection activity, including credit reporting. 

If you can not provide the requested validation, you must cease collection efforts and delete any related entries from my credit report with all major credit bureaus ( XXXX XXXX XXXX XXXX ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
Per law, 15 U.S.C. 1681a ( 4 ), my bankruptcy has been made public to the credit bureaus without my consent and it is my right to have it removed due to privacy rights. All 3 credit bureaus need to remove my bankruptcy.

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 2025-08-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-09 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:
I noticed an unauthorized charge of {$84.00} from XXXX on my Chime checking account, despite never signing up for an XXXX subscription. I contacted XXXX, and their investigation revealed the charge originated from someone in Mississippi, whom I do not know and did not authorize. XXXX confirmed the charge was unauthorized and recommended I file a dispute with my bank. Despite this evidence, Chime denied my dispute. I am seeking assistance in having this unauthorized charge refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
WITHOUT PREJUDICE XXXX XXXX [ Your Street Address ] XXXX, GA [ ZIP Code ] [ Date ] NTL Recovery Agency [ Their Address ] [ City, State, ZIP ] Re : Cease & Desist and Debt Validation Demand Account/Reference : XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00} Reported XXXX XXXX, XXXX To Whom It May Concern : I am in receipt of your reporting of the above-referenced account on my credit report, allegedly opened on XX/XX/XXXX. I hereby dispute the validity of this alleged debt in its entirety and request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, that you provide full and complete validation of the debt, including but not limited to : 1. A copy of the original signed agreement bearing my signature.

2. A complete accounting of the alleged balance and how it was calculated.

3. The name and address of the original creditor and proof of assignment or transfer of the debt to your agency.

Until such time as full validation is provided, you must cease all collection activity and immediately remove any and all reporting of this account from any consumer reporting agency, as continued reporting of unvalidated information constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

Furthermore, you are hereby instructed, under 15 U.S.C. 1692c ( c ), to cease all further contact with me, except to provide the required debt validation or to notify me in writing that you are ceasing collection efforts. Any further communication not in compliance with this request will be considered a violation of federal law and may be pursued accordingly.

This letter is sent in good faith, without prejudice, and is not to be construed as an acknowledgment or acceptance of any alleged debt. 

Sincerely, 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 2025-08-09 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: NC

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Open Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reported Balance : {$10000.00}, {$3500.00}, {$4500.00}, {$4500.00}, {$3000.00}, {$1500.00}, {$4.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor XXXX services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 

Sincerely, 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 2025-08-09 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:
reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be erroneous or incomplete, and you are required to conduct a reasonable investigation within 30 days. 
I formally request that the above information be reviewed, and if it can not be verified accurately, that it be updated as quickly as possible.

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