vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
XX/XX/XXXXEquifax Information Services LLCXX/XX/XXXXExperian\XX/XX/XXXXTransUnion Consumer SolutionsXX/XX/XXXXRE: Cease and Desist Demand for Reporting Inaccurate and Fraudulent Information\n\nTo Whom It May Concern,\n\nThis letter serves as my formal demand, pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  XX/XX/XXXXand the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C.  XX/XX/XXXX, that you immediately cease and desist from reporting, furnishing, or otherwise sharing any inaccurate, unverifiable, or fraudulent information related to the following accounts that appear on my credit report:XX/XX/XXXXThese accounts are either the result of identity theft, were reported in error, or are otherwise inaccurate. I have previously disputed these items and have provided sufficient evidence to demonstrate they do not belong on my credit file. Continuing to report these accounts violates my rights under the FCRA, which mandates accurate and verifiable reporting of consumer information.\n\nSpecifically, under FCRA SectionXX/XX/XXXXB (15 U.S.C.XX/XX/XXXX, you are required to block information resulting from identity theft upon request. Additionally, under Section XX/XX/XXXXand XX/XX/XXXX of the FCRA, I have the right to request verification and demand deletion of unverifiable information.\n\nI hereby demand:\n\t1.\tImmediate removal of the above-listed accounts from my credit file.\n\t2.\tWritten confirmation that these items have been removed and will no longer be reported to third parties.\n\t3.\tCease and desist from any further reporting or furnishing of these inaccurate or fraudulent accounts.\n\nFailure to comply with this request may result in my pursuing legal remedies available to me, including but not limited to statutory damages, attorneys fees, and injunctive relief under federal law.\n\nThank you for your immediate attention to this matter.\n\nSincerely,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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Someone has opened a fraudulent PayPal account in my name using my secondary email address. My phone number is also linked to the account. This morning, I filed a fraud report with both the FTC and the XXXX. I attempted to contact PayPal, but their offices are closed until XXXX XXXX Pacific Time. My personal information was compromised in the XXXX XXXX data breach, which puts my data at serious risk. I want PayPal to close this account, as I believe they bear some responsibility. Both the thief and PayPal should be held accountable for this issue. 

I have also placed fraud alerts on all three of my credit reports. To verify my identity, I believe that a phone call or an uploaded ID with my picture should be required. This situation needs to be resolved as soon as possible! I am very concerned about my credit and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This from LVNV Funding but i have no idea what this is but the alleged debt is in the amount of $ XXXX was also put on my report without my authorization. It has caused my credit to drop and has caused me to get denied credit at other places because it is reporting negatively on my bureaus. I do not know how long it has been on my report but i just pulled my credit a bout a week ago and i saw it on there. I would like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raiders serious concern about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Transworld Systems Inc ( TSI ) XXXX XXXX XXXX XXXX, DE XXXX ( Confirm address with your credit report or their notice ) RE : Final Demand for Immediate Deletion Account # XXXX {$2200.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I previously requested full and complete validation of the following account : TSIXXXX Account # XXXX {$2200.00} Collection As of today, you have failed to provide the required documents.

Let me be clear : A bill is NOT validation. A past-due notice or internal summary does not fulfill your legal responsibility under federal law.

You are currently reporting this unverifiable account to credit reporting agencies without complying with the legal standards of validation. This constitutes a willful violation of federal law and a direct attack on my consumer rights.

I now demand that you immediately produce the following : A copy of the original signed contract or agreement bearing my wet signature A complete billing and payment history for the alleged account A flow sheet showing the chain of assignment from the original creditor to your company A binding purchase agreement granting you legal authority to collect Proof of your active debt collection license in the State of Illinois Do not respond with a generic " verified '' letter unless it includes all requested documentation. Anything less will be viewed as noncompliance and will escalate this matter.

If you can not provide this documentation, you are required to : Permanently delete this account from TransUnion, Equifax, and Experian Cease all collection and credit reporting activity Failure to comply within 15 calendar days will result in the following actions : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance with the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o for full statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then by law, you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as TRANSUNION 's inaction violates federal law and my rights as a consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am a victim of identity theft but nver mde the complaint. I would like the charges to b dismisd so that I can get my credit report in proper condition. I have already reported the identity theft to the Federal Trade Commission and I am enclosing copies of the Federal Trade Commission 's Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CA

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 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to my certified dispute of an account with XXXX XXXX. 

On XX/XX/XXXX, I sent Equifax a certified letter disputing the reporting of an XXXX XXXX account associated with a totaled vehicle ( a XXXXXXXX XXXX XXXX XXXX XXXX. The account was never validated, and no proof was provided by the creditor. However, Equifax continued to report the account and allowed XXXX to re-age the payment history by marking XXXX, XXXX, and XX/XX/XXXX as XX/XX/XXXX days late after I had already disputed the information. 

In addition : Equifax never mailed me any dispute resolution or investigation results. 
The account was not marked as disputed during or after the investigation. 
There was no proper verification before the re-aging update was applied. 

These are direct violations of FCRA 611 ( a ) ( 6 ), 611 ( a ) ( 7 ), and 623 ( a ) ( 2 ).

I am requesting : Immediate deletion of this account from my Equifax report An investigation into Equifaxs procedures regarding certified disputes Written confirmation of resolution and corrective action I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to my certified dispute of an account with XXXX XXXX. 

On XX/XX/XXXX, I sent Equifax a certified letter disputing the reporting of an XXXX XXXX account associated with a totaled vehicle ( a XXXX XXXXXXXX XXXX XXXX XXXX. The account was never validated, and no proof was provided by the creditor. However, Equifax continued to report the account and allowed XXXX to re-age the payment history by marking XXXX, XXXX, and XX/XX/XXXX as XX/XX/XXXX days late after I had already disputed the information. 

In addition : Equifax never mailed me any dispute resolution or investigation results. 
The account was not marked as disputed during or after the investigation. 
There was no proper verification before the re-aging update was applied.

These are direct violations of FCRA 611 ( a ) ( 6 ), 611 ( a ) ( 7 ), and 623 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX RE : Final Demand for Immediate Deletion Account # XXXX ( {$160.00} ) & # XXXX ( {$220.00} ) Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I previously requested full and complete validation of the following accounts you are reporting on my credit profile : XXXX. XXXX Account # XXXX {$160.00} XXXX XXXX. XXXX Account # XXXX {$220.00} XXXX XXXX date, you have failed to provide the required documentation. Let me be clear : A bill is NOT validation. A past due notice or summary is not legally sufficient under federal law to validate any alleged debt. 
You are actively reporting these accounts to the credit bureaus without satisfying the validation requirement, which is a willful and harmful violation of federal law. 

I hereby demand the immediate production of the following : A copy of the original contract or agreement containing my wet signature A complete and itemized billing/payment history A flow sheet outlining the full chain of assignment from the original creditor to your agency A binding legal agreement that proves ownership and collection rights Proof of your debt collection license in the State of Illinois You are NOT to respond with a boilerplate verified statement. If you do not include the full documentation listed above, your response will be considered non-compliant and further legal steps will be taken.

If you can not provide this information, you are required by law to : Permanently delete both accounts from XXXX XXXX XXXX XXXX  Cease all collection and credit reporting activities Failure to comply within 15 calendar days from the date of this notice will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance with the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o seeking full statutory and punitive damages This is your FINAL NOTICE. If you can not prove it, you are required to remove it. 

Govern yourselves accordingly. 

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 2025-07-20 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: NC

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 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 2025-07-20 00:00:00
Product: Debt collection — Federal student loan 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:
I am disputing an inaccurate collection account reported by TransUnion under the name XXXX OVERPAYMENTS in the amount of {$1500.00}. The account was marked as placed for collection, closed on XX/XX/year>, and is estimated to be removed by XXXX 

This is an error because XXXX Grants are not credit-based loans and should not appear on a consumer credit report. Any XXXX overpayment should be resolved directly with the XXXX Department XXXX XXXX placed in collections or reported to credit bureaus. 

This inaccurate reporting is now affecting my ability to qualify for a mortgage and is damaging my credit unfairly. I am requesting that this account be removed from my credit file immediately, as it does not meet the criteria for reportable debt under the Fair Credit Reporting Act ( FCRA ). 

Please investigate and ensure the item is deleted from my TransUnion 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a co-borrower on an auto loan for a vehicle that was never in my possession. The other co-borrower has stopped making payments, and the loan is delinquent. When the loan was XXXX months past due, I called the Capital One to request they pick up the truck. I provided them with the residence address where the vehicle was located, but they never repossessed it. Despite this inaction, the lender has still taken no steps to repossess the vehicle or notify me of any repossession plans. This ongoing neglect is causing me severe financial stress, as the other co-borrower can not afford the payments, nor can I because the vehicle is not mine, nor is it in my possession. I have tried to reason with the other co-borrower, but they refuse to listen or take responsibility. I made a mistake in trusting the wrong person when I was young and I will not pay this person a XXXX for the truck he drives around every day. I have informed the lender of this situation multiple times and requested action, including that the vehicle be repossessed, but I have received no meaningful response. This continued neglect is causing me ongoing financial harm and uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX was pretending to be XXXX XXXX XXXX on XXXX. I purchased XXXX bags for XXXX. The real XXXX reached out to me and said she never sold me anything and that this is not the first time it has happened. They said this person lives in another country and did the same thing to another person XXXX weeks ago. I want my money back since I was scammed. Now the person has either blocked me or deactivated their account on XXXX. I have reached out to Zelle and my bank and I reported the scam to both of them. What can I do to get my money back? 

Zelle is company went through and bank XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, WA XXXX RE : Final Demand for Immediate Deletion Account # XXXX {$16000.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I previously requested full and complete validation of the following account : XXXX XXXX XXXX Account # XXXX {$16000.00} Collection To date, you have failed to provide the required documentation. Let me make this clear : A bill is NOT validation. A generic invoice or internal summary does not legally meet the standards of proper debt validation. 
You are currently reporting this account to the credit bureaus without fulfilling the legal requirement to validate the debt, which constitutes a willful violation of federal law. 

You are hereby demanded to provide the following : A copy of the original signed lease, contract, or agreement containing my wet signature A complete, itemized billing and payment history A flow sheet showing the full chain of assignment from the original creditor to your agency A binding legal agreement or contract of sale proving your ownership and right to collect Proof of your active debt collection license in the State of Illinois Do not reply with a generic verified status. Without the complete documents listed above, your response is legally inadequate and considered non-compliant. 
If you can not provide the requested documentation, you are required to : Permanently delete this account from all three major credit bureaus : Experian, Equifax, and TransUnion Cease all collection activity and communication regarding this debt Failure to comply within 15 calendar days will result in the following : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance filed with the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o seeking maximum statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then by law, you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation