vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am disputing the XXXX XXXX XXXX account, Account # XXXX, currently reported as past due and in collections. I do not acknowledge, accept, or claim this debt. 
I previously requested validation of this debt. The credit bureau reported that the account was verified, yet I was never provided any documentation or proof of this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, a debt can not be considered verified unless legally sufficient documentation is provided to me. Reporting this account without producing such proof is false, inaccurate, and violates federal law.

I demand : 1. Immediate removal of this account from my credit report, as it can not be legally verified.

2. Written confirmation of the results of your investigation within 30 days, as required by law.

3. Notification to all credit bureaus that this account is inaccurate and has been deleted. 

Failure to comply constitutes a violation of federal law, and I am prepared to escalate this matter immediately to the CFPB, FTC, and pursue legal remedies. I expect immediate and decisive 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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXXRe: Formal Dispute of Alleged Debt  Account XXXX  | Amount: XXXXPursuant to 15 U.S.C. 1692g\nTo Whom It May Concern,\nI am formally disputing the alleged debt referenced above. You claim I owe XXXX  under account XXXX This debt is not recognized, and I am demanding full validation pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\nYou are hereby notified:\nAll collection activity must cease immediately until proper validation is provided.\nYou must supply:\nA copy of the original signed contract/agreement establishing a legal obligation to pay.\nA full itemized accounting of the alleged balance, including all fees, interest, and charges.\nProof of your legal authority and ownership to collect on this account (chain of title, assignment agreements, bill of sale, etc.).\nVerification that this account is not past the statute of limitations for collection in my state.\nLet me be clear: a bill or statement is not validation. A bill is not validation under federal law. Courts have consistently held that mere billing records do not satisfy the debt collectors obligation to provide full verification.\nIf you cannot produce the required documentation within 30 days, you must:\nDelete this account (XXXX) from all credit bureau reporting (XXXX XXXX XXXX).\nCease all collection attempts permanently.\nUnderstand that continued violations will result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office, in addition to potential civil litigation for damages under 15 U.S.C. 1692k.\nThis is a legal demand  not a request. Govern yourselves accordingly.\nSincerelXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I assert that I have not provided proof of the alleged debt under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. ). In the absence of documentation verifying the debt, despite my request for such proof, I presume no valid debt exists. Furthermore, as the information in question results from alleged identity theft, I request its removal from my consumer file, pursuant to 15 U.S.C. 1681c2, within four business days of receipt of this notice. 



I demand the immediate deletion of the following unauthorized accounts from my consumer report, as required under 15 U.S.C. 1681c2, within four business days of receipt of this notice # 3 Under 15 U.S.C. 1681c2, a consumer reporting agency must block any information in a consumers file that the consumer identifies as resulting from alleged identity theft within four business days of receiving the consumers request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
As of XXXX, I XXXX XXXX recently discovered documented information which suggests that XXXX XXXXXXXX is not the lawful owner of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX reporting on my consumer profile with Transunion. Based on 15 USC 1681 ( 1 ) : The banking system is dependent upon fair and accuratecreditreporting. Inaccuratecreditreports directly impair the efficiency of the banking system, and unfaircreditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please provide the following documentation to prove that XXXX XXXX is the lawful owner of the listed accounts : 1. Show proof of a Meeting of the Minds, a condition required for a valid contract for accounts above. 2. Please provide proof of the Valuable Consideration XXXX XXXX provided. XXXX. Please provide the XXXX XXXX showing all debits and credits from the initiation of the accounts and include full accounting. Please note, do not send loan statements. 4. Signed contracts by both parties which includes my autograph. 5. Please provide documentation showing all assignments, transfers and all endorsements showing the legal standing and lawful custody of the instruments relating to the above listed accounts. 6. Please provide proof to illustrate if the accounts are held by a private trust, public liability or otherwise. 7. Were the original loan instruments used as a collateral under any agreement? 8. Were the loans Securitized at any time? 9. Who is the holder in due course? 10. Please provide territorial jurisdiction that proves XXXX XXXX has authority to conduct financial business with an XXXX. XXXX. Was the promissory note deposited? An authentic response will prove the lawful owner of the debt. However, if it can not be proved that XXXX XXXX is the lawful owner of the listed accounts then they must be removed from my consumer profile. The inaccurate reporting have caused both my family and myself harm. discrimination, duress, mental anguish and pain. : 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 2025-08-25 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: NY

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Td bank, my phone got stolen my apple account got hacked and i filed a dispute with my bank which was td bank in 2023 and they left my account on negative saying it was valid because the account had my name i told them my account was hacked it was not me my phone was stolen!! I been trying to open an account with them. And they say i have to pay that but why if i was not in charge of the debt charges that they denied my dispute for!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These
failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
spent {$1000.00} on a money order in XXXX XXXX XXXX XXXX XXXX XXXX territory not overseas. ) XXXX 's tax service in XXXX XXXX refused to give the money to my son even though he had the number and code word. 
When I returned after a week tried to retrieve the money. I showed a California valid license and ID. They refuse to give me the money saying that there were rules. They argued and try to act like it wasn't their responsibility for over a half an hour. When I spoke with the representative in the XXXX he was condescending and not helpful and asked me for a passport. I do not have XXXX and he said it is necessary to retrieve my money. This is XXXX  XXXX and I looked it up on AI and they are known for doing this a lot with refunds and canceled transaction they try to steal the money. Forcing people like me to go to a great length to get it back and charging me {$56.00} more than they had originally said because they know I have no way of controlling it. 
I bought the cashier check and money order I want my money. I don't want to jump through anymore of your XXXX  XXXX hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and misleading reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). This account was settled in XX/XX/XXXX with a {$0.00} balance, yet it continues to be reported as a charge-off with derogatory remarks and a written-off balance. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ), which requires furnishers to report accurate and complete information. By continuing to report this account as a charge-off after it was settled, XXXX XXXX is : Misrepresenting the legal status of the debt. 
Creating the false impression that I still owe on a closed account. 
Causing ongoing damage to my credit profile and financial reputation. 

I previously disputed this with the credit bureaus, yet the account remains inaccurately listed. This is not only negligent, but also willful misreporting. XXXX XXXX is obligated to update reporting to reflect the truth : that the account was closed, paid/settled, and carries a {$0.00} balance. 

I request immediate investigation and enforcement action to address this unlawful reporting.

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 2025-08-25 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: CA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and misleading reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). This account was settled in XX/XX/XXXX with a {$0.00} balance, yet it continues to be reported as a charge-off with derogatory remarks and a written-off balance. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ), which requires furnishers to report accurate and complete information. By continuing to report this account as a charge-off after it was settled, XXXX XXXX is : Misrepresenting the legal status of the debt. 
Creating the false impression that I still owe on a closed account. 
Causing ongoing damage to my credit profile and financial reputation. 

I previously disputed this with the credit bureaus, yet the account remains inaccurately listed. This is not only negligent, but also willful misreporting. XXXX XXXX is obligated to update reporting to reflect the truth : that the account was closed, paid/settled, and carries a {$0.00} balance. 

I request immediate investigation and enforcement action to address this unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I discovered that XXXX XXXX XXXX is continuing to report a charge-off account with a balance of {$380.00}, originally opened on XX/XX/XXXX. The account was charged off in XX/XX/XXXX, yet it is still being reported as past due with an outstanding balance. 

This reporting is inaccurate and misleading. A charge-off is an accounting action, not an indication that the balance is still legally collectible. If XXXX XXXX XXXX has issued or should have issued a Form 1099-C ( Cancellation of Debt ) for this account, then continuing to report a balance is a violation of the Fair Credit Reporting Act ( FCRA ) because the information is no longer accurate. 

I dispute the validity of this reporting and request that XXXX XXXX XXXX and the credit bureaus either provide full validationincluding proof that the debt remains legally owed and collectibleor immediately update the tradeline to reflect a {$0.00} balance. If they can not validate, the account must be removed entirely from my credit report.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I hope this follow up complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. Below is a list of the items I am requesting to be removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXFromXXXX XXXXDate of Birth: XXXXSSN: XXXX XXXX XXXX XXXX XXXXTo:\nExperian\nXXXX XXXX XXXX XXXX XXXX\nRe: Formal Dispute of Auto Loan Account #XXXXTo Whom It May Concern,\nI am formally disputing the accuracy of the following account being reported on my Experian file:\nAccount #XXXX  Balance $0  High Balance XXXX  Closed/Repossessed\nReasons for Dispute:\nExperian reports this account as Paid, while TransUnion reports it as Derogatory. Reporting must be uniform across bureaus.\nThe Creditor Type is inconsistent: Experian lists it as Personal Loan Companies, while TransUnion and Equifax list other creditor types.\nCreditor Remarks differ between bureaus. Experian states Redeemed repossession, while others use conflicting terms.\nThe Date Reported is inconsistent across all bureaus (XXXX XXXX XXXX XXXX. This creates evidence of re-aging.\nPayment history continues to reflect late marks, even though the account shows $0 balance and redeemed repossession. This is misleading and inaccurate.\nUnder the Fair Credit Reporting Act (15 U.S.C. 1681i), Experian is required to conduct a reasonable reinvestigation. Given these conflicts, I demand immediate deletion of this account from my Experian report.\nThis is a legal demand. Govern yourselves accordingly.\nSincerelyXXXX 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