vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe to be inaccurate or incomplete on my credit report. The accounts listed below need further investigation and correction as per the Fair Credit Reporting Act ( FCRA ). Please find the details of the accounts in dispute separated by credit bureau. 

Charged Off : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payments : XXXX Account Number : XXXX Balance : Unknown Date of Late Payment : Unknown XXXX XXXX XXXX Account Number : XXXX Balance : Unknown Date of Late Payment : Unknown XXXX Account Number : XXXX Balance : Unknown Date of Late Payment : Unknown Inquiries : XXXXXXXX XXXX XXXX XXXX Date : XX/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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX January Technologies , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear January, I am writing to inform you that reporting information to my credit reports ( XXXX XXXX XXXX ) is a form of communication subject to the Fair Credit Reporting Act ( FCRA ). As such, I request that you cease and desist all communication with regards to my credit report. 


Under the FCRA, I am entitled to certain protections and rights when it comes to the information contained in my credit report. Specifically, I am protected from inaccurate or outdated information being reported, as well as from any unauthorized access to my credit report. 


Furthermore, I would like to remind you of the following FCRA codes that pertain to my rights as a consumer : - FCRA Section 611 : Procedures for Investigating Disputed Information - FCRA Section 615 : Requirements Relating to Adverse Actions - FCRA Section 616 : Civil liability for willful noncompliance - FCRA Section 617 : Civil liability for negligent noncompliance I expect that you will comply with my request to cease and desist all communication regarding my credit reports ( XXXX XXXX XXXX  ). Failure to do so may result in legal action being taken against you.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am disputing several accounts on my Equifax credit report. These accounts contain inaccuracies or incomplete information, and I kindly request a thorough investigation and correction. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I signed a contract on XX/XX/XXXX. I suffered a total loss event, which terminates the lease under Section 37 ( a ) of. my lease, and I notified VCFS on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of which they acknowledged. Despite this, VCFS has never provided a clear or explicit reason for any alleged default, nor have they ever stated the exact default date. 

Instead, VCFS has alluded to three different and contradictory theories : ( 1 ) that the lease was terminated due to total loss on their portal and in their reply to CFPB complaints XXXX and XXXX and in their portal ( 2 ) that there was an insurance-related default in these same replys to the above CFPB complaints, ( even though they never issued any Right to Cure notice for an insurance default as required under Section 36 ( g ) of my lease ; and ( 3 ) that there was a payment default under Section 36 ( a ) of the lease, which they communicated indirectly through negative credit reporting and only suggested in their inadequate Notice of Right to Cure. The only cure notice sent on XX/XX/XXXX did not specify any reason for default and did not contain an exact default date. 

Their XX/XX/XXXX Notice of Sale states I am in default but still provides no reason or date. VCFS also alluded to XXXX XXXX  confirming I had no coverage, but XXXX has confirmed in writing that VCFS never contacted them at all. VCFS further mischaracterized my communication preference by telling the CFPB that I asked them not to contact me, when I only requested written communication. 

Because VCFS has alluded to multiple incompatible default theories and never provided the required explicit reason and exact date of default, their adverse credit reporting is inaccurate, unsupported, and harmful. I request that the CFPB require VCFS to provide one accurate reason for default if any, specify the exact default date, and remove all inaccurate or unsupported negative credit reporting. I requested the exact reason for the alleged default, the exact default date, and documentation supporting the negative credit reporting ( past-due amounts, repossession status, delinquency dates, and insurance-related statements ). I am also requesting the information required under the California Rees-Levering Act, including a clear statement of the reason for default and the specific default date, which they were obligated to provide but did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am writing to dispute and request the removal ( blocking ) of specific items on my credit report that are results of identity theft, pursuant to SECTION 605B of the FAIR CREDIT REPORTING ACT ( 15 U. S. C. SECTION 1681C-2 ). I have been a victim of identity theft and have filed an identity theft report with local law enforcement agency. I did not open, authorize or have any knowledge of the following accounts or inquires that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting thatthese accounts and any related information be BLOCKED AND REMOVED from my credit file, as required by FCRA 605b. Attached are copies of the following supporting documents : My government issued photo ID, Proof of address, police report number, and identity theft affidavit. Please send me written confirmation once these items have been blocked or removed, or if any additional information is needed to complete this request. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX : XX/XX/XXXXXXXX  Social security Number : XXXXXXXX XXXXXXXX informed this company that by not placing a block on the identified accounts in the required 4 days that they are not in compliance with Federal Laws FCRA 605b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Re : Debt Validation Request Account No. XXXX XXXXXXXX Original Creditor : XXXX XXXX | Reported Balance : {$940.00} To Whom It May Concern : I am formally requesting full validation of the alleged debt your company claims I owe. This notice is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Please provide complete documentation establishing your legal right to collect this debt. 

Specifically, I am requesting : 1. A copy of the original signed contract or agreement bearing my signature.

2. A full itemized accounting showing how the balance of {$940.00} was calculated.

3. The complete chain of title, including all assignment and transfer documents.

4. The amount Transworld Systems paid for this alleged debt.

5. Proof that your company is licensed to collect in my state, if required.

6. The name and address of the original creditor and documentation showing I owe them. 

Note that a generic bill of sale is not sufficient proof of ownership and does not satisfy federal validation requirements. 

Until you provide the above documentation : I dispute this debt in its entirety. 
You must cease all collection activity. 
You may not report, or continue to report, inaccurate or unvalidated information to any credit bureau.

If you can not provide proper validation, you are required to delete this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have no knowledge of this account and I want it removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: IL

Complaint narrative:
I received a written notice from Coast Professional Inc. dated XX/XX/year>XXXX  that states if I contact them by XX/XX/year>XXXX  to dispute the debt, they must stop collections. I called on XX/XX/year>XXXX  and verbally disputed the debt. During the call the agent XXXX XXXX ( Employee ID : XXXX ) said they would mark the account as disputed but refused to stop collection activity, stating they can not stop fees, penalties, or interest from accruing. They claimed the XXXX letter had " bad wording. '' This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) once a debt is disputed, collection activity must cease until validation is provided. I am requesting a CFPB investigation and that the agency confirm they either validate the debt with the requested documentation or cease collection and remove any reporting to the credit bureaus. 

Attached : ( 1 ) the written notice they mailed to me in XXXX, ( XXXX ) and proof of my phone call note ( agent name and ID ).

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 2025-11-19 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>XXXX  I called PayPal to access the money I have in my account because my account had been temporarily blocked. The man on the phone representing PayPal told me there were a few reasons it was temporarily blocked but didnt tell me what the reasons were. We went through step by step to unblock my account starting with verifying my email, birthdate and my bank account number, all were verified. Then he sent me a link to send my drivers license, I did and then he said the last names do not match, I told him I had gotten married and my last name had changed but my picture is the same, my address is the same, my bank account is the same. He told me I had to send them my marriage license which I do not have, I would have to request it to be mailed by the state which can take weeks so I asked if there was any other way and he said no. I then asked if I could cancel my account and withdraw my money into my bank account because I no longer want to keep my PayPal account and after 30 minutes on the phone over this all, as soon as I told him I wanted to cancel my account, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts contain inaccuracies and discrepancies that I request be corrected immediately. Below is a detailed breakdown of the accounts I am disputing, separated by each bureau : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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