vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Subject : Dispute of Collection Account - XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX The account contains errors in its reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( DOLA ). Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal of this account if it can not be verified.

Enclosed are my ID and proof of address for verification. Please resolve this within 30 days and provide written confirmation of your finding.

Dear Experian, I am disputing the collection account listed below due to inaccuracies and failure to meet Metro 2 compliance Standards :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/year> Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXXXXXX, NY XXXX Re : Request for Debt Validation under the FDCPA To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt and an itemized breakdown of any charges, interest, or fees.

3. A copy of any agreement bearing my signature that shows I agreed to the debt.

4. Documentation of your legal authority to collect on the alleged debt.

5. Proof that the debt is within the applicable statute of limitations in California.

I do not acknowledge or accept responsibility for any debt unless you provide complete validation. Until that time : You must cease all collection activities.

You may not report this debt to any credit reporting agency. 

If it has already been reported, you must notify the credit bureaus that the debt is disputed. 


Please provide your response in writing to the address listed above. 

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX Balance : {$750.00}, XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$7900.00}, XXXX XXXX XXXX : {$6500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I AM A VICTIM OF IDENTITY FRUAD I HAVE FILED POLICE REPORTS ABOUT FRAUD ON MY CREDIT REPORT I HAVE TRIED DISPUTING THESE COLLECTIONS AND CHARGE OFFS ON MY REPORT AND ALL 3 CREDIT AGENCIES REFUSE TO REMOVE AFTER SUBMITTING PROOF OF FRAUD Collections and charge offs reporting to all 3 credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I wrote to them via a certified letter on XX/XX/year> and they did not respond to me as required by law. the FDCP Act was cited to provide detailed information regarding their legality to collect the debt, a copy of the original agreement with my signature to collect the debt, a copy of the original debt agreement, and a detailed summation of how the amount was decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 611, by falsely verifying a public record ( XXXX  XXXX bankruptcy ) on my credit report. 

On XX/XX/year>, Equifax completed a reinvestigation of a bankruptcy I disputed ( Confirmation # : XXXX ). They claimed the bankruptcy was verified on XX/XX/year>, and left it on my credit report. 

However, this verification was not lawful or valid for the following reasons : XXXX. XXXX the only known vendor Equifax uses for public records was frozen prior to XX/XX/year>. 
XXXX. Courts do not report bankruptcy data directly to Equifax or any credit bureau. 
XXXX. Therefore, Equifax had no legal way to verify the bankruptcy, and their verification is either false or based on outdated, inaccessible data. 

This is a direct violation of FCRA, which requires credit bureaus to conduct a lawful and reasonable reinvestigation. If an item can not be verified through legal means, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am requesting the reopening and escalation of CFPB Case # XXXX regarding the My Best Buy Credit Card account ( ending in XXXX ) reported by Citibank to XXXX 

In their XX/XX/year>, response to the CFPB, Citibank admitted in writing : A copy of the signed application is not available. 

This confirms they are furnishing information to XXXX  without proof of liability or a signed contract, which violates FCRA Section 623. XXXX  has continued reporting the account as verified, in violation of FCRA Section 611. 

I am requesting : Reopening of CFPB Case # XXXX Investigation into Citibanks improper reporting practices Removal of this unverifiable account from all credit reports Written explanation from XXXX  on how it verified a debt that Citibank admits can not be validated

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 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Account XXXX I.C. System Inc. Im aware of this debt and have attempted to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

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 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have been getting repeated phone calls from a debt collector on behalf XX/XX/XXXXand it gets tiring. I get calls mainly during the morning and at least 2 to 3 calls a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In or about XXXX, XXXX, XXXX, I was recently notified that my personal information was involved in a data breach, which I believe has resulted in the unauthorized use or potential misuse of my data. I became aware of this breach through email notification from a company, a letter from a data holder, which indicated that my sensitive dataincluding my full name, address, phone number, email address, and potentially my Social Security number and financial account detailsmay have been compromised.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting this account as inaccurate, incomplete, and not verifiable in compliance with the Fair Credit Reporting Act ( FCRA 1681i ). The furnisher has failed to provide a signed agreement, original documentation, or any verifiable evidence that proves ownership and reporting accuracy. Additionally, the account reflects improper status updates and re-aging practices. I demand a full deletion of this account from my credit report. Failure to comply may result in further legal action.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
DEBT VALIDATION LETTER Date ___________________ ___________________ ___________________ ___________________ Dear ___________________, This letter is being sent to you in response to : XXXX XXXX  ( 1 ) - Notice sent to me on ___________________, 20___.

- Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity mustcease and desist.Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Sincerely, ___________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is in violation of privacy act ( CCPA ) General Data Protection Regulations ( GDPR ) I have the right to request that my personal information is not being used or shared without my explicit consent. Im requesting the following action to be taken immediately delete all personal data you currently hold about me from your system database and third party platforms in accordance with my rights to deletion cease any further sale or dissemination of my personal information confirm in writing these requests with in legally required timeframe. Failure to comply with these request may result in a formal complaint to the appropriate authorities and or legal action to protect my privacy rights considered this a formal assertion of my right and take the necessary actions to address this matter immediately Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
According to their statement full balance XXXX $ check they cleared on XX/XX/XXXX. I have all paper proofs. I called asked for XXXX balance statement. 
They sent me statements with wrong charges & say late fee added XXXX of dollar, when on their statement says XXXX principle balance. They cashed my check XXXX $ on XX/XX/XXXX & sent the bill it is unapplied so you have late fee XXXX XXXX 
I have bank proof they cashed it. Phone Customer service is so poor. 
XXXX was transferred to them by my lender. 
My mortgage was never late, again I have paper proof of every thing I say. 
After paid off in full on XXXX XXXX, they are giving me XXXX bill when their XXXX statement says XXXX principle balance. I need the letter of XXXX / mortgage paid in full. 
They are Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
This account with the XXXX XXXX XXXX XXXXXXXX XXXX has been reporting fraudulent past due or late marks on a credit line that is closed since at least XXXX of 2024. They are not reporting the correct balance that should show the auto loan that Im being said I owe money on is not correct as well. This surly does not show what I paid into the car nor what it shows the car was sold for on top of what gap insurance did pay. It is indeed illegal to add derogatory marks to an account that has been closed and for this reason I feel this item needs to be immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Im filing a complaint for Venmo. I sold a shirt on XXXX XXXX  to someone named XXXX for {$10.00}. I have all the chat history with her that validates that I actually sold the shirt to her. She paid me on Venmo for {$10.00} using payment between friends, however, a few weeks later, she decided to file a dispute with her bank, claiming that the payment was unauthorized, therefore Venmo is trying to charge me back for the {$10.00} although I have all the evidence to support that I actually sold the dress to her. I called Venmo and they claim that they couldnt do anything in this case and there is no protection to the receiver in this situation because the outcome was decided by the senders bank.

I dont think this is acceptable. My Venmo account is frozen and Im requesting it to be unfrozen and the debit to be removed from my account

Company response to consumer: Closed with monetary relief