vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: LA

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and XXXX XXXX compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. NATL RECOVER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing a complaint against Caine & Weiner XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On [ insert the date you received the letter ], I received a collection notice from Caine & Weiner XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX, regarding an alleged debt that I do not recognize. I reside in Florida and have no record of this account. 
Caine & Weiner is attempting to collect a debt that has not been validated. I have not been provided with any of the legally required documentation verifying the existence, ownership, or accuracy of this alleged debt. The company is attempting to collect and possibly report information to the credit bureaus without providing full validation, which constitutes a direct violation of federal law. 
This is a violation of the following statutes : FDCPA 1692g ( b ) Prohibits continued collection activity ( including sending letters or attempting to collect ) before proper validation is provided. 
FDCPA 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection. 
FCRA 1681s-2 ( a ) Prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 
Florida Statute 559.553 Requires all out-of-state debt collectors to be registered before collecting from Florida consumers. 

As of today, Caine & Weiner has not provided any of the following required documents : The original signed agreement or contract establishing the debt The complete payment history showing how the amount was calculated The Bill of Sale or Forward Flow Agreement between the original creditor and the current owner of the debt ( including my specific account details ) Documentation of assignment showing Caine & Weiners legal right to collect this alleged debt Proof of registration with the State of Florida to lawfully collect debts from Florida consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an unsolicited email from FMA Alliance , Ltd. offering a limited-time settlement on an alleged XXXX XXXX XXXX  account that was charged off in XX/XX/XXXX. The message misrepresented the debts legal status and attempted to collect funds on an account that is no longer owed or legally enforceable. 

I previously requested full debt validation from both FMA Alliance and XXXX XXXX XXXX XXXX, including proof of assignment, ownership, and a complete post-sale accounting under 15 U.S.C. 1692g ( a ). Neither entity provided this information. FMA AlliancXXXX continued contacting me despite lacking authority or verification, violating the Fair Debt Collection Practices Act. 

Additionally, XXXX  continues to report the same charged-off account as active, and XXXX XXXXeflects similar inconsistenciesboth directly influenced by the inaccurate data furnished by XXXX and/or FMA. 

These actions have caused ongoing harm, including repeated housing denials and reputational damage, and appear to constitute willful noncompliance with the FDCPA and FCRA, as well as interference with 38 U.S.C. 5301 protections for VA benefits used at loan origination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are errors on my credit report. The account status for XXXX XXXX XXXX  is being listed as open on Transunion, closed on XXXX, and it's not listed at all under Equifax. The dates of last activity are different. 

There is no third party helping me dispute the errors on my credit report. All evidence submitted is from me, myself, investigating on my own.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment being reported on my XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$19000.00}. After reviewing my credit file, I found that the reported late status does not accurately reflect my payment history or the current standing of the account. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 1681i ( a ), consumers have the right to dispute any inaccurate or incomplete information and to have such information corrected if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment being reported on my XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$19000.00}. After reviewing my credit file, I found that the reported late status does not accurately reflect my payment history or the current standing of the account. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 1681i ( a ), consumers have the right to dispute any inaccurate or incomplete information and to have such information corrected if it can not be verified.

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 2025-10-14 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 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: NV

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The information being reported on my credit file is inaccurate, misleading, and damaging to my financial reputation. These errors include an incorrect address, a false charge-off account, and unauthorized credit inquiries. The reporting agencies and furnishers involved have failed to follow federal laws requiring accuracy, verification, and consumer consent before reporting or accessing data. I am requesting the CFPB to conduct a full investigation, hold the responsible parties accountable, and ensure correction or deletion of all inaccurate and unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2100.00} Charge-Off * * This account continues to appear as a charge-off even after previous disputes, violating the verification and accuracy obligations under FCRA Section 611 ( a ) and Section 602 ( a ). The reporting lacks proper validation, including contract evidence, payment history proof, and accurate balance details. The continued listing of this charge-off without documentation from the original creditor is an act of noncompliance. It appears that no legitimate investigation or proper verification was done, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). This item must be deleted as unverifiable and inaccurate since it misrepresents both the nature and balance of the account, impacting my creditworthiness unfairly. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to enforce compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The reporting of an inaccurate address, false charge-off account, and unauthorized inquiries has caused serious harm to my credit reputation, financial credibility, and emotional well-being. I am asking the CFPB to ensure that all inaccurate, unverifiable, and unauthorized information be deleted from my credit report, that all responsible furnishers and agencies be held accountable for their violations, and that my consumer rights under federal law are fully protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am reporting an inaccurate and unfair debt collection from XXXX XXXX XXXX and Fair Collections & Outsourcing. I moved out of the apartment and was issued a final bill, which I began paying through an agreed monthly payment plan directly with the apartment office. I made my payments on time and was not delinquent.

Despite this, the apartment sent my account to collections while I was still paying as agreed. The collection agency is now demanding full payment immediately and has reported this debt to credit bureaus. This is inaccurate, unfair, and a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Virginia Consumer Protection Act, as I was not in default. This company continues to harass us and and has reported the account to credit bureaus, which has caused a significant drop in my credit score and affecting my finances.

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 2025-10-14 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-14 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an outdated public record that should have been removed based on the seven-year reporting limit under FCRA 605 ( a ). The record still appears on my credit report, and I have not received any results or explanations from the credit bureau regarding its continued presence. This is a direct violation of both reinvestigation and time-limit provisions of the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX * * Balance : {$390.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Court : XXXX Bankruptcy XXXX Reference # : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : 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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX Case : # XXXX Subject : Complaint Regarding Miscommunication of XXXX Interest-Free Payment Period Dear ToyotaXXXX XXXX XXXX, I am writing to formally address an issue I have encountered regarding the purchase of my new Toyota XXXX from XXXX  Toyota of XXXX. During the purchase, the salesperson clearly stated that I would have a XXXX interest-free period to consider settling the full payment. However, to my surprise, Toyota Finance began charging interest from the date of purchase.

Upon contacting Toyota Finance, I was informed that the dealership did not check the box for the 45-day interest-free option when the contract was created. I was advised to return to XXXX Toyota of XXXX to resolve the issue. 

I reached out to the salesperson who remembered communicating the 45-day interest-free term and assured me he would escalate the matter to the finance director. However, despite my follow-ups, the dealerships finance director rudely dismissed my concerns and denied any such terms were offered.

This situation has caused significant frustration and a lack of trust in the dealerships integrity. I feel misled by the promises made during the sales process and unsupported in resolving the issue. 

I am requesting your immediate assistance in investigating this matter and ensuring that the 45-day interest-free payment period, as initially promised, is honored.

I trust ToyotaXXXX values its customers and will work toward a fair resolution. I look forward to your prompt response. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Request # XXXX created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are errors on my credit report. The account status for XXXX XXXX XXXX  is being listed as open on Transunion, closed on XXXX, and it's not listed at all under Equifax. The dates of last activity are different. 

There is no third party helping me dispute the errors on my credit report. All evidence submitted is from me, myself, investigating on my own.

Company response to consumer: Closed with explanation