vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Included are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was on a payment plan with Portfolio Recovery Associates for a debt I later learned was over XXXX XXXX XXXX. I initially made payments in good faith, but had to cancel the plan in XX/XX/year> when my boyfriend was laid off and our income decreased. Around XX/XX/year> Portfolio Recovery served legal papers to my part-time job while I was not present. The papers were handed to my former boss 's mother, not to me directly. I attempted to file a request for exemption with the court, but it was denied. Since then, I have attempted multiple times to contact Portfolio Recovery Associates by email and phone with no response. During this time they served me with another set of papers threatening wage garnishment a second time, but once again handed them to my boyfriend while I wasn't home. I feel their communication and services practices have been improper, and they continued pursuing collection on a time-barred debt that should not have been enforceable by the courts. 
XX/XX/XXXX - XXXX sent an email to their customer service department. 
XX/XX/XXXX - XXXX called the number on their website, which turned out to be a scam phone number that compromised my bank account. 
XX/XX/XXXX - I sent a XXXX follow up email requesting confirmation and a response. 
XXXX XXXX I called again and was unable to reach anyone for resolution. 
To this day I have received no response to any of my emails, and they have not properly communicated or verified this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b"I am filing this complaint because Experian violated my rights under the Fair Credit Reporting Act (FCRA) by refusing to conduct a proper reinvestigation of the inaccurate information I disputed on my credit report.\nXXXX XXXX XXXX XXXX, I mailed a formal dispute letter to Experian via certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My dispute listed several inaccurate and unverifiable accounts, including but not limited XXXX XXXX XXXX XXXXnconsistent and unverifiable payment historyXXXX XXXX XXXX   inaccurate late payment reportingXXXX XXXX  mismatched dates of last activity and paymenXXXX XXXX XXXX XXXX XXXX XXXX debt that should not be reportedXXXX XXXX  conflicting terms and payment informatioXXXX XXXX XXXX XXXX  inconsistent account comments and missing data\n\n\nAsset Recovery Solutions  unverifiable collection data with inconsistent dateXXXX XXXX XXXX XXXX   incorrect collection status and invalid medical debt reporting\nAs required by the FCRA, I included valid proof of my identity in the dispute packet, including:\nCopy of my government-issued ID\n\n\nCopy of my Social Security card\n\n\nProof of address (recent pay stub and billing documentation)\n\n\nDespite following all procedures, Experian failed to conduct the investigation. Instead, on XXXX XXXX XXXX they issued a letter stating:\nWe recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party.\nThis is factually incorrect  I personally mailed the dispute letter myself, with all required identification documents attached and certified mail proof of delivery. No third party was involved.\nUnder FCRA 611(a)(1)(A) (15 U.S.C. 1681i), when a consumer disputes the completeness or accuracy of any item in their credit file and notifies the credit bureau directly, the bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.\nBy refusing to investigate my dispute, Experian willfully and negligently violated the FCRA, depriving me of my right to have inaccurate information reviewed and corrected. This failure to act damages my creditworthiness and prevents the accuracy of my consumer 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 2025-10-27 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to report a serious issue with my deposit made on XX/XX/year>, at the XXXX Navy Federal ATM. I attempted to deposit {$170.00}, but the transaction was unsuccessful. The ATM printed a receipt showing a {$0.00} deposit, even though I inserted the full amount. 

Immediately after the incident, I spoke with the XXXX staff, who informed me that many customers have experienced similar issues with this same ATM taking their money. This is extremely concerning and unacceptable. 

I am furious and deeply frustrated, as this money was urgently needed for a critical payment. I trusted that depositing my funds at a Navy Federal ATM would be secure and reliable. Instead, I am now forced to wait for an investigation, which Ive been told could take up to ten days or 45 days. This delay is unreasonable given the circumstances. 

It is clear from what the store employees said that this ATM has a history of malfunctioning, and it should not remain in service if it continues to cause financial loss to customers. In todays economy, it is already difficult to make ends meetlosing money while trying to deposit it into my own account is unacceptable. 

I am requesting that my {$170.00} be returned immediately. Once this issue is resolved, I plan to close my accounts with Navy Federal due to the lack of reliability and inconvenience this situation has caused. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-10-27 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
After canceling my coverage with XXXX XXXX I received a bill for the final balance due XX/XX/year>. 
On XX/XX/year> I received a text message from a third party XX/XX/XXXX representing XXXX XXXX to collect the exact amount due and with all my information. 
I would like some help because I dont think its fair or legal for XXXX XXXX to sell my information to a debt collector when the balance hasnt even been outstanding for 30 days. 
I have been working hard to improve my credit and XXXX XXXX has negatively affected that. Receiving that text was a clear threat that my credit has been damaged and will continue to be affected until this report is removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX {$130.00} XXXX XXXX  ACCOUNT NUMBER XXXX {$50.00} XXXX XXXX  ACCOUNT NUMBER XXXX {$50.00} XXXX ACCOUNT NUMBER XXXX {$200.00} XXXX ACCOUNT NUMBER XXXX {$100.00} XXXX XXXX XXXX NUMBER XXXX {$580.00} XXXX XXXX XXXX  NUMBER XXXX {$10000.00} XXXX XXXX ACCOUNT NUMBER XXXX {$630.00} XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX {$200.00} XXXX ACCOUNT NUMBER XXXX {$6100.00} INQUIRIES : XXXX MOTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AUTO, 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX {$130.00} XXXX XXXX ACCOUNT NUMBER XXXX {$50.00} XXXX XXXX  ACCOUNT NUMBER XXXX {$50.00} XXXX ACCOUNT NUMBER XXXX {$200.00} XXXX ACCOUNT NUMBER XXXX {$100.00} XXXX XXXX ACCOUNT NUMBER XXXX {$580.00} XXXX XXXX ACCOUNT NUMBER XXXX {$10000.00} XXXXXXXX XXXX ACCOUNT NUMBER XXXX {$630.00} XXXX XXXX  XXXX ACCOUNT NUMBER XXXX {$200.00} XXXX ACCOUNT NUMBER XXXX {$6100.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX AUTO, 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
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
XX/XX/XXXX check amount {$490.00} I had {$2.00} in the account already. I called and tried to get information on why my account was getting closed ( Sofi Bank ) they told me they could not tell me why and they are going to close my account and it was final. Ive been a member with them since XX/XX/XXXX I changed my password and they automatically closed my account and told me I will have to wait XXXXdays for them to send me a check! I am moving I need access to my funds for bills this bank held my check to make sure they would clear on XX/XX/XXXX thr. Took it upon themselves to release it XX/XX/XXXX once it cleared and hold it told me I could not use my account at all. This bank needs to be investigated. I will also like my money released as soon as possible & my account closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am writing in response to the ongoing dispute regarding the alleged auto loan and repossession reported by Santander Consumer USA. This matter remains unresolved due to Santanders failure to comply with federal consumer protection laws and provide legally required documentation. 

On XX/XX/year>, I sent Santander a debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The purpose of this request was to obtain verification and proof of the alleged debt, the full accounting, and the legal right to collect or report this account.

To date, Santander has failed to provide any of the requested documentation, including but not limited to : 1. A copy of the original signed retail installment contract ; 2. A complete payment history and accoun
ting record ; 3. The notice of intent to sell and post-sale disclosure required under UCC 9-613 and 9-616 ; 4. Documentation showing the exact amount the vehicle was sold for after repossession, the
date of sale, and how proceeds were applied ; 5. Any proof of assignment of rights or validation confirming Santanders authority to collect or report this alleged debt.

This failure to validate the debt or provide legally mandated post-repossession disclosures constitutes violations of federal and state consumer protection laws, including : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to provide debt validation upon written request ; FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation after a dispute ; UCC Article 9 ( 9-611, 9-613, 9-616 ) Failure to send proper notice of sale and deficiency ; Breach of contract and unfair/deceptive business practices under applicable state laws. 

Without these documents, Santander has not substantiated any legal right to collect or report this alleged repossession. Their continued reporting of this account to the credit bureaus constitutes false and unverified reporting, which is both inaccurate and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Re : Claim # XXXX submitted XX/XX/XXXX On XX/XX/XXXX I received a letter from a Law Firm offering their services to help me with a lawsuit that was filed against me on XX/XX/XXXX. The lawsuit was filed from an LVNV funding LLC. I dont know who this company is. I have never had any dealings with this company. 

In response to the claim submitted above a man taped paperwork for case number XXXX next to my front door on XX/XX/XXXX. In the lawsuit paperwork, theres a photocopy of a XXXX XXXX XXXX statement for someone with a similar name to me, but the address is in the state of Mississippi. This is not me. Ive never had a XXXX XXXX XXXX. I do not live in Mississippi, I have never lived in Mississippi. This is either identity theft or for whatever reason theyre trying to pin this other persons debt on me. 

Unfortunately, my information has been leaked several times in breaches. In XXXX I contacted XXXX  and XXXX  to report identity fraud. All cases were resolved at that time. There was no XXXX  on my credit report. I have no collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX 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
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management , LLC recently attached a debt to my credit report, on behalf of XXXX XXXX XXXX, to my knowledge XX/XX/year>. Me not knowing anything about this debt, I requested more information and on XX/XX/year>, I received an inadequate paper with a false representation of an electronic signature of my name, an unknown number, no amount, and a customer account number to which, no one has yet, to state what this debt in reference to ( Item financed, subscription, etc. ). Also, I was sent " XXXX XXXX XXXX XXXX XXXX XXXX, that appears to have been created in XX/XX/year> when it was given to Credence Resource, that also does not state what it is in reference to ( Item financed, subscription, credit card, etc. ). I initiated an identity theft claim with XXXX XXXX XXXX XX/XX/year>, however, I have been recently contacted by XXXX XXXX XXXX stating that the debt is in fact mine and I am responsible. XXXX XXXX XXXX  nor Credence has given any sufficient information regarding this debts authentication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
My previous XXXX  XXXX XXXX checking account was compromised, requiring closure and the opening of a new account ending in XXXX at the same institution. 

In XX/XX/year>, I contacted XXXX XXXX XXXX XXXX XXXX Department ( XXXX ) to provide my new account information for XXXX payments. During this process, I also reached out multiple times to the XXXX  President, XXXX XXXX XXXX, requesting guidance. Unfortunately, none of my emails received a response from her. 

Despite providing my updated account details both by phone and online to XXXX XXXX XXXX, the system continued to reject my payments falsely stating that my account was closed. 

When I contacted XXXX XXXX XXXX  for help, they sent verification codes that consistently failed to work within the designated XXXX period, making it impossible to complete the account update online. 

To date, XXXX XXXX ( the XXXX XXXX XXXX ) has acknowledged that my account is in collection, yet they have not provided any payment instructions. Additionally, they have prohibited XXXX XXXX XXXX  from accepting payments from me, despite my verified and active bank account. For weeks, the attorney who has my collection account has been unable to receive payments because my information is not in the system. 

On XX/XX/year>, at XXXX p.m., while at the Virginia Department XXXX XXXX and XXXX XXXX  ( XXXX ), the XXXX customer Assistance listened to the phone conversation while I spoke by phone with XXXX XXXX, who confirmed that my information was not in their system and no payment was accepted at this moment.

Company response to consumer: Closed with explanation