vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : National Credit Adjusters , LLC XXXX. XXXX XXXX XXXX, KS XXXX RE : Immediate Deletion Demand Account # XXXX {$260.00} To Whom It May Concern, This letter serves as your formal notice of dispute regarding the collection account listed under Account Number XXXX, in the amount of {$260.00}, which you are currently reporting to the credit bureaus in association with my personal identifying information. 

You have failed to legally validate this debt, and your continued reporting and collection efforts are now in direct violation of federal law. A previous bill or summary is NOT sufficient to meet the requirements for debt validation under the law. 

You are violating the following consumer protection laws : 15 U.S. Code 1692g ( b ) All collection activity must cease until proper debt validation is supplied.

15 U.S. Code 1681s-2 ( a ) You are required to ensure all reported information is accurate and fully verified.

UCC 3-501 I am demanding a copy of the original wet signature contract that allegedly binds me to this debt.

UCC 1-308 I reserve my rights under all applicable commercial codes without prejudice. 
You have failed to provide : A signed agreement where I expressly agreed to this debt. 
An itemized breakdown of the balance allegedly owed. 
Legal documentation showing you own or were assigned this debt.

Proof of your license to collect debts in the State of Arizona.

FINAL DEMAND : You are hereby ordered to delete this account from XXXX XXXX and XXXX within 15 calendar days from the date of this letter.

Failure to comply will result in the following actions : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 
A report will be submitted to the Federal Trade Commission ( FTC ) and the Arizona Attorney Generals Office. 
A civil lawsuit will be filed for violations of federal law, credit damage, and emotional distress. 
This is your final warning. Cease and desist all collection efforts and immediately remove this unverified and unlawful trade line from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/year> at XXXX, Weltman , Weinberg & Reis Co. , LPA ( XXXX ) left a voicemail on my cell phone despite a formal cease-and-desist letter I sent instructing them to stop all communication. The alleged debt has been disputed and never validated, violating FDCPA 1692c ( c ) ( no contact after written request ), FDCPA 1692g ( b ) ( failure to validate debt ), and potentially TCPA 227 ( unauthorized robocall ). This unauthorized collection attempt was harassing and unlawful. I request a full investigation, confirmation that the call is documented as a violation, and reparations for damages. All future contact must be by written correspondence only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
There are several inaccuracies on my credit report that has not been fixed

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 2025-07-17 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that has not been fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Information under 15 U.S.C. 1681i ( FCRA ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report ( report number : [ if available ] ) in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

The item ( s ) listed below are inaccurate, incomplete, or unverifiable and must be corrected or removed : Disputed Item ( s ) : Creditor Name : Santander Consumer USA Account Number : XXXX Description of Issue : This is a charge off and vehicle has been sold so it should not be on my credit. 



Explanation and Supporting Documents : I have attached the following documentation supporting my position : [ e.g., Payment receipts, correspondence, settlement agreement, court documents ] Under 15 U.S.C. 1681i ( a ), you are required to investigate this matter within XXXX  days of receipt of this notice and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Please send me written confirmation of the results of your investigation and an updated copy of my credit report. 

If this item is found to be unverifiable, I request that it be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

Please be advised that this is a formal dispute. Failure to respond or correct this information may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with item highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX'I am disputing incorrect late payment marks that were reported on my credit report for the following accounts. While I was out of the country, I was unable to make payments on these accounts on time, but I have since brought all accounts current. I believe the reporting does not accurately reflect my situation and is damaging my credit history.\n\nHere are the details of the accounts with reported late payments:\n\n1. CAPITAL ONE XXXX XXXX XXXX XXXX Late payments reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDuring the period when these late payments occurred, I was traveling internationally and was unable to access my accounts to make timely payments. I can provide supporting documentation, including travel tickets, passport with boarding stamps, and proof of my presence abroad, to confirm this.  \n\nI respectfully request that you review this information, consider the circumstances, and remove the inaccurate late payment marks from my credit reports to reflect an accurate payment history.\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EdFinancial Services
State: SC

Complaint narrative:
I disputed this account with XXXX. It was verified, but the reporting is inaccurate and harming my credit. This account [ is not mine ] OR [ has remained over 7 years ] OR [ has unverifiable data ]. I am requesting immediate deletion under FCRA 611 and 623

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-07-17 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: SC

Complaint narrative:
I'm incredibly frustrated and concerned after seeing an unauthorized inquiry show up out of nowhere on my credit report today. Ive done everything I can to double-check if it was a system glitch, but refreshing the browser didnt help. I need urgent action taken, and I expect the documents Ive provided to be reviewed thoroughly to finally bring peace of mind.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I am writing to file a formal identity theft complaint regarding multiple fraudulent and inaccurate accounts that have appeared on my credit reports, as well as ongoing damage to my personal and financial well-being. 

Accounts in Dispute : 1. CREDITACPT Auto Loan Status : Closed Repossession Balance : {$19000.00} Late Payments : XXXX Days Late This account was opened fraudulently without my authorization. It was previously removed during a dispute but reappeared with inaccurate and damaging information. 


XXXX XXXX Unknown Account I have never opened this account, and it does not belong to me. This appears to be a case of identity theft or false reporting. 


XXXX. XXXX - XXXX XXXX This account is reported in good standing with XXXX XXXX XXXX  and possibly others are misreporting or duplicating it, showing it as closed or delinquent. 

These fraudulent entries are harming my credit score, payment history, and ability to obtain personal loans or financing. My current credit scores are XXXX on XXXX  ( via XXXX XXXX ) and XXXX on XXXX, both negatively affected by these accounts. 

I believe my personal information has been compromised, possibly on the dark web, and I am seeking full remediation and protection from further damage. 

Please process this identity theft complaint, investigate the fraudulent accounts listed above, and issue appropriate protections under federal law to ensure expedited handling. 

Thank you for your 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 explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I am writing to formally dispute the collection account that CAINE WEINER is reporting to the credit bureaus regarding an alleged debt from a company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this utility company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/year> my US Bank XXXX XXXX card was used to make two fraudulent purchases with " XXXX XXXX '' in XXXX XXXX XXXX TX per US Bank XXXX I contacted the bank immediately upon being notified on my XXXX that the purchases were made. At no point did US Bank reach out to me to authorize the purchases or understand if I was indeed the one making the charges. I disputed both charges which were for {$30000.00} and {$7800.00}, then immediately contact XXXX XXXX via their corporate office to inform them that fraudulent purchases were made at their company. The XXXX XXXX rep put me in contact with their accounts receivables department where a rep worked with their leadership to quickly void the transactions and contact their XXXX XXXX dealership to inform them of the fraudulent purchases. I see on my credit card mobile app that XXXX XXXX attempted to reimburse the {$30000.00} and {$7800.00} but it shows as declined which I'm assuming is because US Bank canceled the cards and issued new account numbers. At this point I now see the original fraudulent charges pending and the reimbursement credits from XXXX XXXX declined. I have {$0.00} in available credit to use at the moment and all my charges to the card are being declined. This is a nightmare and US Bank has archaic fraud prevention to avoid this scenario for their customers.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I went to check my credit report and saw I had an account sent to collections. I had no knowledge of this account in the first place. So I filed an identity theft complaint and also a dispute. In that dispute affirm ( company ) verified the dispute because the person who used my information was making payment on the account but eventually stopped after years of negatively impacting my credit score and also stopping my progression.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
To Whom It May Concern, I am writing to file a formal and urgent complaint against TransUnion for unlawfully re-reporting a bankruptcy on my credit file after it had been successfully removed based on a previous dispute. 



Let me be very clear : I have never filed for bankruptcy. I disputed this false information with TransUnion, submitted proof, and the bankruptcy was rightfully removed after TransUnions investigation confirmed it did not belong to me. I have attached the prior dispute results showing the removal and my supporting documentation once again for your review.

Now, TransUnion has deliberately and without cause reinserted this bankruptcy into my credit file. This action is not only inaccurate but a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under : 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) which requires a credit reporting agency to notify the consumer in writing prior to re-reporting any previously deleted information and provide the name of the furnisher and evidence of certification of accuracy. This never occurred.

15 U.S. Code 1681e ( b ) which mandates reasonable procedures to assure maximum possible accuracy. Re-adding a false bankruptcy without new evidence is not just unreasonable its reckless and unlawful.

Furthermore, neither XXXX  nor XXXX are reporting any bankruptcy on my file. TransUnion is the only bureau willfully reporting a false public record, damaging my credit and violating my rights. 



I hereby demand that TransUnion : Immediately remove the false bankruptcy from my credit file. 
Provide certified court documents bearing my name and signature that allegedly verify this bankruptcy. ( They can not, because they do not exist. ) Comply with FCRA regulations within 30 days, as required by law. 




Failure to comply will result in legal action being taken against TransUnion for defamation, willful negligence, and FCRA violations. I am prepared to pursue damages for the harm caused to my credit and reputation due to their illegal reporting practices. 



This complaint, along with all supporting documentation, has also been forwarded to the Federal Trade Commission ( FTC ) and I am actively seeking legal representation for a potential civil lawsuit. 



I expect full resolution and accountability. TransUnion does not have the right to play with peoples financial lives, especially when the facts have already proven this bankruptcy was never mine. 



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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
I filed for XXXX XXXX XXXX on XX/XX/year>, which puts an automatic stay in place under 11 U.S.C. 362. That means creditors arent allowed to take payments after that date. 

On XX/XX/XXXX, a payment was withdrawn from my account by BestEgg, even though the bankruptcy had already been filed. I didnt authorize this transaction. 

I contacted BestEgg and was told they couldnt help because I didnt let them know before filing. However, Ive been informed by my attorney that the automatic stay goes into effect immediately - notice isnt required beforehand. 

My lawyer is sending them a cease and desist and a refund request, but Im filing this complaint because the charge shouldnt have happened in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 non-monetary relief