vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I disputed a debt with XXXX XXXX XXXX in writing on XX/XX/year>, which they received on XX/XX/year>. ( Verbal confirmation via phone ) Despite my dispute, they reported the account to the credit bureaus on XX/XX/year>. I sent a demand for deletion around XX/XX/year>, after it was reported during the dispute. 

On XX/XX/year>, I called to request validation and asked if they had responded to my dispute. They admitted they were still waiting on the apartment/owner to respond. They said theyll respond when the have what they need Despite not having validation, the account remained on my credit report as of XX/XX/year>. And I still havent heard back from this TO THIS DAY This is a violation of FCRA XXXX ( a ) ( XXXX ), which prohibits a collector from reporting a disputed account without proper validation. I am requesting immediate deletion of this account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
on XX/XX/year> around XXXX to XXXX pm sending you a complaint rude and unprofessional staff in XXXX XXXX XXXX, sadly hes XXXX of the finance XXXX, when I asked to cancel transactions and deals, due to my husband called and advised me to not get a car YET, cause he wants us to talk about it, finance XXXX got upset at me then kept telling me that I wasted their time and his to work stuffs then made me feel threatened cause he even told into my face that XXXX behind of some payments and even questioned me whether my husband is aware about it, I did told him yes his aware, its our credit, then he still pushed and insisted, I felt and treated small, just because XXXX in the dealership by myself a XXXX, he can XXXX me, I still asked to cancel everything, then when XXXX about to get up from the table, him sitting next to me, he voiced out XXXX you then, I didnt say anything back, I just left the sales finance XXXX is : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Very disappointing, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The credit bureau TransUnion  is not doing there job, They are not properly doing investigations on my whole credit report from collections, charge offs, old inquiries. I put the information in what I uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
When I get the loan they said 31 % anual interes rate or XXXX XXXX  a day and now they want to charge me 81 % anual rate XXXX a day And all the money I pay i ask to go to principal and they don't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern : This letter is a formal request for validation of the alleged debt you are attempting to collect regarding the above-referenced account.

Pursuant to FDCPA 809 ( 15 U.S.C. 1692g ( b ) ), I request : 1. A copy of the original signed credit agreement.

2. An itemized accounting of the alleged debt, including all fees and interest.

3. Proof of your legal right to collect this debt.

4. Verification of the Date of First Delinquency ( DOFD ) as required under FCRA 623 ( a ) ( 5 ). 

Until such validation is provided, you must cease all collection activity and reporting. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
I am a victim of identity theft. I did not authorize these accounts. I have included and attached my identity theft affidavit. please delete these accounts off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint against Radius Global Solutions for multiple and willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Radius has attempted to collect an alleged debt without providing proper validation, despite my written dispute and demand for verification pursuant to 15 U.S.C. 1692g. 

Radius has failed to supply proof of ownership or legal standing to collect this debt, has not provided a full itemization of the account, and has not produced any signed agreements establishing my liability. Instead, they continue to pursue collection and threaten credit reporting without lawful validation. This is a direct violation of federal law and constitutes harassment and abusive collection practices.

Further, I raised legitimate fraud concerns : the original creditor may have already received insurance payouts, tax write-offs, or government relief, which would extinguish any alleged obligation. Case law makes clear that double recovery is prohibited ( e.g., FDIC XXXX XXXX XXXX. Ins. XXXX, XXXX XXXX XXXX ). Despite this, Radius continues to act as though the alleged debt is valid, while providing no evidence to the contrary. 

Additionally, I issued a cease-and-desist notice under 15 U.S.C. 1692c ( c ), which Radius has ignored. If they are reporting this unvalidated debt to credit bureaus, they are further in violation of FCRA 1681s-2, opening them to liability for defamation and consumer harm as recognized in XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX. 

Radiuss conduct demonstrates a reckless disregard for consumer protection laws, my rights, and the requirements of due process. Their actions are unlawful, deceptive, and abusive under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/year>, I discovered my bank had not processed my check as it was written for XXXX XXXX and XXXX. The bank did not process my check according to the lawful written amount on the check. The bank processed the check for {$30.00}. When I called the bank, they could not explain their actions, only an apology. It is the responsibility of the bank to process checks correctly because not only did they not follow the law on written vs numerical check entries ; they also caused me errors in reconciling my bank ledger. This is unacceptable and will cause me additional fees/interest from the creditor since this amount was the payoff amount. 
The processor was not paying attention, and this should never happen again. Banks have a responsibility to process checks accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
On XX/XX/year>, I noticed that Experian is reporting inaccurate and unverifiable accounts on my credit file. The reported account ( XXXX ) show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed these items directly with the bureau on XX/XX/year> and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611, 15 USC 1681i, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA 607 ( b ), 15 USC 1681e ( b ), they are required to maintain maximum possible accuracy in consumer reports.

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

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 2025-09-10 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: TX

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-10 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: NC

Complaint narrative:
Information delinquent on my account is wrong from XXXX. Transunion and Experian. Accounts on there were not mine and others already paid

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 2025-09-10 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: NJ

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 reinvestigation 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 TransUnion, alleging systemic 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 or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.

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 2025-09-10 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 officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am the victim of identity theft. A fraudulent account and/or transaction was opened or performed in my name with Navy Federal Credit Union without my knowledge or authorization ( XXXX XXXX- {$41000.00} ). I have already submitted to XXXX XXXX : An FTC Identity Theft Report ( XX/XX/XXXX ) A Police Report ( XX/XX/XXXX ) A completed and signed Identity Theft Affidavit ( XX/XX/XXXX ) XXXX written dispute letters requesting validation of the alleged debt ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX ). 
Despite this, Navy Federal Credit Union continues to call me, send me statements, and pursue collection efforts. They have failed to validate the debt or provide documentation proving I am responsible, as required by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Navy Federal has not fulfilled their obligations under FCRA 609 ( e ). I am experiencing continued harassment over a debt that I do not owe. I sent a final demand letter on XX/XX/XXXX, and warned of legal and regulatory escalation. 
I am requesting the CFPB intervene and ensure Navy Federal : Ceases all collection efforts, Removes this account from any reports, Provides written confirmation of their findings. 
I am attaching all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: North American Credit Services
State: IL

Complaint narrative:
On XX/XX/year>, I received a collection letter from North American Credit Services ( NACS ) for an alleged {$2000.00} medical debt related to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX 

On XX/XX/year>, I disputed the entire debt in writing under the FDCPA and instructed NACS to cease all communications except by U.S. Mail. My letter specifically required validation of the debt ( insurance claim adjudication, EOBs, XXXX itemization, consents, and compliance with the No Surprises Act and nonprofit hospital 501 ( r ) rules ).

NACS acknowledged receipt of my dispute that same day by email. On XX/XX/year>, they mailed me a verification packet including itemized balance statements and a copy of my signed treatment/consent agreement. However, the packet still lacked insurer Explanation of Benefits ( EOBs ) and did not prove that XXXX correctly billed XXXX XXXX XXXX XXXX XXXX Illinois ( my active coverage on the dates of service ). 

Despite my clear cease-communication request, on XX/XX/year>, I received a text message from NACS with a secure link to view documents. This is a direct violation of 15 U.S.C. 1692c ( c ), which prohibits further communication after a written request to cease. 

Additionally, because this is medical debt in Illinois, state law effective XX/XX/year> prohibits medical debts from being reported to consumer credit bureaus. NACS has not confirmed compliance with this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX XXXX XXXX loan on my Experian credit report. The account was included and fully XXXX in my XXXX  XXXX bankruptcy on XX/XX/year>. The balance is {$0.00} and should not reflect any further delinquency. 

However, Experian is continuing to show multiple late payments ( XX/XX/year>, XX/XX/year>, XX/XX/year>, etc. ) after the account was XXXX. Reporting late payments after a bankruptcy discharge is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy XXXX. Once XXXX, creditors are prohibited from reporting additional derogatory information because the debt is no longer legally collectible. 

I request that this account be corrected to reflect : {$0.00} balance Status : XXXX in Bankruptcy XXXX  XXXX Removal of all late payments reported after the XX/XX/year> discharge date This inaccurate reporting is harming my credit standing and needs immediate correction.

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