vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered several negative items on my credit reports that are being reported inaccurately and without proper validation. These include multiple charge-offs from XXXX  XXXX, a collection account from XXXX XXXX XXXX XXXX and hard inquiries from XXXX XXXX XXXX  and XXXX. I disputed these items with the credit bureau and the furnishers, but none of the companies involved provided the documentation required under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX did not supply any original signed contracts, billing statements, payment logs, or proof of the dates of delinquency to support the severe negative coding they are reporting. XXXX XXXX XXXX did not provide chain-of-title documentation, original creditor records, or any itemized statement proving the balance they are attempting to collect. The hard inquiries are also being reported without any evidence of consumer authorization or permissible purpose under FCRA section 604 ( a ) ( 2 ). Despite the lack of validation, the credit bureau marked these items as verified, even though no supporting documentation was provided. These inaccuracies have negatively affected my credit score and my ability to receive credit fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I am aXX/XX/XXXXXXXX XXXX XXXX ) and financed a XX/XX/2025XXXX ) through Volvo Financial Services ( VFS ) under Contract XXXX, which includes a GAP Waiver sold and administered by VFS. My insurance company paid XXXX {$150000.00}, and XXXX claims a deficiency of {$43000.00}. On XX/XX/year>, XXXX emailed me about this balance. I replied the same day with a formal written dispute requesting : ( 1 ) a correct accounting, ( 2 ) GAP Waiver application details, ( 3 ) clarification of improper charges, and ( 4 ) explanation of warranty/Uptime issues. VFS acknowledged receipt but has never responded, in violation of state and federal dispute-response laws. Despite ignoring my dispute for months, VFS then attempted to unlawfully repossess my truck without providing any of the legally required notices. My vehicle was at an authorized Volvo dealer ( XXXX XXXX XXXX XXXX ) for service only, not for repossession or surrender. I never authorized the vehicle to be held for VFS. On the dealer side, I received this written statement : XXXX Per XXXX at VFS, we are not allowed to release the truck. Another dealer employee then issued an internal instruction : > Please make sure this truck is secured in the bullpen or blocked in. This means VFS instructed the dealer to physically block my truck and prevent me from retrieving it, even though : I was never served a Right-to-Cure letter I was never served a Notice of Intent to Repossess I was never served a UCC XXXX notice I did not voluntarily surrender the vehicle My account is still under active dispute from XX/XX/year> The truck was effectively being seized without any legal authority, while VFS continues to refuse to provide an accounting or respond to my dispute. This is an illegal repossession attempt, a breach of peace, and violates : XXXX Fair Debt Collection Practices Act ( Civil Code XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( failure to provide accounting ) UCC XXXX ( b ) ( no breach of peace repossession ) 12 CFR 1006.34 ( federal dispute-response requirements ) The unlawful hold has deprived me of the use of my commercial truck, causing financial harm to my business, and has placed me at risk for additional fees and losses. I am requesting CFPB assistance because VFS is : 1. Ignoring my dispute and refusing to provide a lawful accounting 2. Failing to apply the GAP Waiver properly or show the GAP determination 3. Attempting repossession without legal notices 4. Instructing the dealer to block and detain my vehicle unlawfully 5. Acting in bad faith while the account is under dispute I am attaching evidence, including emails from VFS and the dealer showing the illegal hold and instructions to secure/block in the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts that I believe to be inaccurate on my credit report. Please investigate the information below, as I believe these accounts are incorrectly reported. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$470.00} Late Payments : XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXXX/XX/XXXX Account Number : XXXXXX/XX/ Account Number : XX/XX/2770XX/XX/XXXX Account Number : XXXXXX/XX/1834XX/XX/XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
It inaccurately portrays my views on money matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I am submitting this complaint because XXXX  XXXX XXXX failed to protect me from fraud, denied my legitimate dispute, sent the matter to collections, and allowed a debt collector to garnish my accountcausing severe financial, emotional, and family hardship. 
Around XXXX  a scammer withdrew {$1000.00} from my XXXX  XXXX XXXX account without my knowledge or authorization. XXXX  XXXX XXXX allowed this {$1000.00} fraudulent transaction to go through. After that, the scammer attempted to withdraw another {$1000.00} two separate times. 
During those attempts, I received a text message from XXXX  XXXX XXXX asking me to confirm whether those transactions were mine. I immediately responded No, and the bank blocked the two additional fraudulent withdrawals. However, the first {$1000.00} was already taken, and XXXX  XXXX XXXX still refused to refund me even though the later attempts were clearly identified as fraud. I immediately filed a fraud claim with XXXX  XXXX XXXX and filed a police report to document the incident. Despite this, XXXX  XXXX XXXX denied my claim and refused to return the stolen funds. 
Because they incorrectly held me responsible for a fraudulent transaction that I did not make, I closed my account. Even after that, XXXX  XXXX XXXX sent me to collections. Recently, the debt collector garnished my active bank account, taking the small amount of money I had left. 

I only discovered this when my card was declined while trying to purchase food and medication. When I contacted the bank, they informed me that a debt collector froze my account. The shock caused my XXXX XXXX to rise, I was shaking and overwhelmed. 
This situation is devastating for my family. 
I am the primary caregiver and provider for my mother and my father, who is XXXX XXXX XXXX XXXX  They depend entirely on me for food, care, and daily needs. With my account emptied and frozen, I do not know how I will feed them or take care of their necessities. 

To make things worse, my sisters account has now been frozen as well simply because it is a joint account. She had nothing to do with this situation, and she is crying because she is now being punished for something she is not involved in. 

On XXXX XXXX, and I had no money for food, no access to medication, and no way to care for my XXXX father. XXXX  XXXX XXXX refusal to resolve a clear fraud case, their decision to send the matter to collections, and the resulting garnishment have caused extreme financial harm and emotional distress for my entire family. 

I am urgently requesting that the CFPB investigate this issue, require XXXX XXXX XXXX to remove the collection, return the garnished funds, Thank you for your serious attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/year> Re : Cease and Desist Unauthorized [ Describe Issue : e.g., Use of Intellectual Property / Harassment / Defamation / Contract Violation ] To Whom It May Concern : Collection on debt I do not owe.

Your actions constitute defamation, invasion of privacy, breach of contract, harassment and have caused, and continue to cause, harm to me. 

You are hereby instructed to : XXXX. Immediately stop all unlawful or unauthorized activities described above. 
XXXX. Remove and/or return any materials, property, or content obtained or used without permission. 
XXXX. Provide written confirmation to me within [ XXXX ] business days that you have complied with these demands. 
Failure to comply will leave me no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. This letter is written without prejudice to my rights and claims, all of which are expressly reserved. 
I strongly advise you to seek legal counsel regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX If you'd like, I can customize this fully with your details, tone ( XXXX XXXX, or XXXX  ), and legal context ( XXXX XXXX, non-compete violation, etc. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Subject : URGENT Follow-Up on Good Faith Adjustment Request Account Ending in XXXX Dear XXXX XXXX and the Nelnet XXXX XXXX Team , I am writing to provide an urgent follow-up regarding my Good Faith Adjustment request. I have been attempting to resolve this matter with Nelnet since XX/XX/year>, and I appreciate the responses received so far. However, this issue now requires immediate attention due to the serious impact it is having on my financial situation. 

My past-due balance of {$850.00} has been paid in full, and my account is now current and in good standing. As previously explained, the late payments were the result of temporary and unforeseen family and medical hardships that have since been resolved. In light of this, I respectfully and firmly request reconsideration of my Good Faith Adjustment to remove the delinquency reporting. 

This is an urgent, time-sensitive matter as the reported delinquency is directly jeopardizing the closing of my home loan. I have already invested significant funds into the processincluding earnest money, appraisal fees, and inspection costsand this single temporary hardship is now placing the entire transaction at risk despite my account being fully brought current. 

I take full responsibility for my obligations and have implemented measures to ensure timely payments going forward. Given the circumstances, the length of time I have been working to resolve this, and the substantial financial impact, I am asking that Nelnet please exercise compassion and flexibility through a goodwill adjustment. 

Thank you for your time, attention, and prompt action on this matter. I look forward to your response. 

Warm regards, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I dispute the following accounts on my Experian credit report. These items are inaccurate, and I request that they be thoroughly investigated and corrected immediately to ensure accurate reporting. 

Charged Off Accounts XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX  BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NH

Complaint narrative:
I received a notification on my credit that a collections was placed for a past XXXX bill due with no idea of this outstanding dept. after digging I found a notice that said I have until XX/XX/XXXX to dispute but this has been placed on my credit as negative prior to that date. Please remove remark on my credit and dept will be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Disputed entries must be evaluated and deleted within the legally specified period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
{$700.00} i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a cons
umer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/24 - The inquiry was not authorized. 
XXXX - XX/XX/24 - The inquiry was not authorized.

Company response to consumer: Closed with explanation