vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I did a XXXX transaction. I sent {$150.00} to XXXX XXXX, used the email XXXX for the transaction. It was a shipping cost to receive a tablet and a XXXX from a XXXX XXXX XXXX. 
However, when I followed up to get an expected delivery date, I was asked to pay an additional {$100.00}, which I did not do. 
I called my bank to dispute the amount, but I was told that it was impossible and that I had to contact the person I sent the money to for a refund. 
I contacted XXXX XXXX but have yet to hear back from her.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported a collection account to my credit without providing any prior notice or validation of the debt. I have not received documentation showing they legally own the debt or any breakdown of the amount owed. 

I believe this debt may have been sold or transferred illegally without proper notification. I am requesting : Full validation of the debt Immediate removal from my credit report if it can not be verified XXXX XXXX XXXX XXXX is reporting a {$620.00} collection account on my credit file that I was never notified about prior to its appearance. I was not contacted by phone, mail, or email about this debt before it was reported, and I was not given a chance to validate or dispute it. 

I do not have a clear understanding of where this debt originated, and XXXX XXXX XXXX has not provided any documentation showing their legal right to collect this debt or any breakdown of what the amount is for. 

I have submitted a request for debt validation directly to XXXX XXXX XXXX XXXX and am awaiting a response. In the meantime, I am formally disputing the legitimacy of this debt and their right to report it. 

As of XXXX XXXX 2025, they continue to report this on my credit report without providing any proper validation. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
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 XXXXXX/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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am filing this complaint because I was never made aware of the alleged debt or the legal action taken against me until I discovered a levy had been placed on my bank account by Midland Credit Management. I did not receive any prior notice, nor was I properly served with court documents. 

After learning of the levy, I went to the court and obtained all documentation related to the case. The proof of service on file states that the documents were served to a XXXX XXXX with XXXX XXXX, approximately XXXX in height. This is a false statement. I am XXXX, XXXX, and this description does not match me or anyone at my residence. I believe this was a deliberate misrepresentation, and as a result, the judgment was obtained without proper legal service or due process. 

The only documentation I received from Midland Credit Management stated they purchased the debt from XXXX. However, it did not include any information about the original account, the nature of the debt, the transaction history, or how the amount owed was calculated. I have no knowledge of this debt and was given no opportunity to validate or dispute it before the judgment and levy were imposed.

This situation has caused me significant financial harm and distress, especially considering the judgment appears to have been obtained through false service and without adequate validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has been over 30 days since my initial dispute, and I have not received any response or correspondence resolution from Transunion. Federal law requires that you remove invalidated accounts disputed.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account : XXXX XXXXXXXX XXXX Acct # XXXX ( or XXXX * * * * ) Credit Bureaus Reporting : Experian, TransUnion I previously disputed this charged-off account directly through the credit bureaus and through the CFPB under complaint ID # [ insert if desired ]. Despite those disputes, XXXX XXXXXXXX XXXX is still reporting this account as a charge-off with a balance of {$450.00} across multiple credit bureaus. 

This reporting continues despite the fact that no valid documentation has been provided to verify the debt, and no written authorization has been shown that allows for continued reporting under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681b and 1681c require written authorization and removal of outdated or unverifiable accounts. 

As of XX/XX/XXXX, the account is still listed with derogatory status, multiple months of late payments, and charge-off notations going back to XXXX. This is harming my credit profile and contradicts my dispute history and the FCRAs guidelines for verified 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 explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Im requesting a correction to my personal information listed on my credit report. The current details are inaccurate, and this has been interfering with my credit applications it's incredibly frustrating and unfair.

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 2025-05-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In early XXXX, I discovered that XXXX late payments had been reported across my student loan accounts with XXXX. The issue began in XXXX XXXX when I enrolled in only XXXX XXXX course, unknowingly dropping below half-time status. I was not informed that this would trigger repayment, nor did I receive any communication from XXXX at the time. 

Complicating matters, I had moved XXXX years earlier and changed both my mailing address and email after my previous email was compromised. Because of this, I did not receive notifications, and I also wasnt aware that XXXX had taken over servicing my loans, I had been checking StudentAid.gov as usual. 

Once I became aware, I took steps to update my contact information, re-enrolled in graduate school as of XX/XX/XXXX, and have remained in good standing. I submitted a goodwill request to XXXX explaining the situation and asking for the late marks to be removed, but they responded that they are unable to do so under the Fair Credit Reporting Act. 

Im not disputing that payments were technically missed, but the circumstances were unintentional and caused by a lack of clear notice and transition transparency. The reporting has severely impacted my credit and personal stability. Ive attached a detailed letter with this complaint and respectfully ask for a second review or any support you can provide.

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 2025-05-14 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: MD

Complaint narrative:
In early XXXX, I discovered that XXXX late payments had been reported across my student loan accounts with XXXX. The issue began in XXXX XXXX when I enrolled in only XXXX XXXX course, unknowingly dropping below half-time status. I was not informed that this would trigger repayment, nor did I receive any communication from XXXX at the time. 

Complicating matters, I had moved XXXX years earlier and changed both my mailing address and email after my previous email was compromised. Because of this, I did not receive notifications, and I also wasnt aware that XXXX had taken over servicing my loans, I had been checking StudentAid.gov as usual. 

Once I became aware, I took steps to update my contact information, re-enrolled in graduate school as of XX/XX/XXXX, and have remained in good standing. I submitted a goodwill request to XXXX explaining the situation and asking for the late marks to be removed, but they responded that they are unable to do so under the Fair Credit Reporting Act. 

Im not disputing that payments were technically missed, but the circumstances were unintentional and caused by a lack of clear notice and transition transparency. The reporting has severely impacted my credit and personal stability. Ive attached a detailed letter with this complaint and respectfully ask for a second review or any support you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: OH

Complaint narrative:
Account Number : XXXX Claim Date : XX/XX/year> Claim Number : XXXX Claim Amount : {$1500.00} Dear Valued Cardholder, I understand that you would like to know the status of your claim. 

I have reviewed your account and our records show that we received your request on XXXX. The Dispute Analyst investigating your claim has provided the following update : CLAIM XXXX Provisional credit issued. Next status update XXXX This account was blocked XXXX weeks prior to this account for fraud and then I received a text to verify my ID and the account was unblocked. Then two weeks later the same thing happened and my account was blocked again. This time to verify they want me to take a picture of my drivers license and they keep telling me my picture isn't good enough, and i can't unblock my account. My cell phone won't take a clear picture. I faxed them my drivers license, social security card, my birth certificate and a rent receipt with my address on it and they won't accept these, my account is still locked. The company is netspend.com. I'm sure other people also have this problem with this company since they changed their validation process. Same with my veterans validation process, I can't get my drivers license to take a clear enough picture so I can order my meds on the veteran website. But at least they have the option to go to the post office and get my ID validated. I think they should of accepted my faxing of my ID. 
My phone number is ( XXXX ) XXXX and my email is : XXXX. Thank you and have a good day.

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 2025-05-14 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: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX- collection- opened in XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquiried on XXXX XXXX, XXXX XXXX inquiried on XX/XX/XXXX FACTUAL DATA inquiried on XX/XX/XXXX These items were added to my credit report without my consent and i want to be BLOCKED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Constar Financial Services, LLC
State: CA

Complaint narrative:
Constar financial has repeatedly called me on personal and professional business emergency lines over and over again. They have been extremely rude and aggressive not wanting to comply with the request of what the call is regarding. They are a llc bad debt buyer wich is illegal as well as have incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 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: NV

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-14 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:
Today, I saw some inaccurate accounts on my credit report and I dont know the reason for their appearance. I always monitor my report and this is the first time Ive encountered such inconsistencies. I attempted to refresh the page, thinking it might be a temporary glitch, but the errors were still there. Because of this, I kindly ask that you thoroughly examine the documents Ive provided so I wont have to deal with this stress again.

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 2025-05-14 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: CA

Complaint narrative:
Please Delete this account ( XXXX  ). 
This creditor has use my credit report improperly. They have reported inaccurate information on my credit report. 
Inacurrate " DATE OPENED '' Inacurrate " LAST REPORTED DATE '' Inaccurate " DATE LAST ACTIVE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please Delete this account ( XXXX  ). 
This creditor has use my credit report improperly. They have reported inaccurate information on my credit report. 
Inacurrate " DATE OPENED '' Inacurrate " LAST REPORTED DATE '' Inaccurate " DATE LAST ACTIVE ''

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 2025-05-14 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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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