vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
Citibank closed my account due to inactivity We are living in XXXX and have held an account with Citibank for nearly XXXX XXXX 
There is a reasonable balance which we have kept and intended to use on our next visit to XXXX Then we discovered the account had been closed We have called and written to Citibank many times and their responses are pathetic. 
Either call centres or bots that have no idea We wrote a long letter to XXXX XXXX head office explaining the issue and they replied your account has been closed. We know that! Its why we wrote. Nobody can explain where our money is or how to retrieve it. 
The service is appalling

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 monetary relief
Consumer complaint received 2025-08-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NC

Complaint narrative:
OnXXXX2025 I disputed with Equifax about XXXX XXXX On XX/XX/scrub>/2025, investigation was completed. XXXX XXXXXXXX is no longer in business. Equifax could not have investigated my dispute. This is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were not authorized and proof has not been provided showing otherwise, the following inquiries are listed by company and date : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXXXXXX 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized and proof has not been provided showing otherwise, the following inquiries are listed by company and date : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXXXXXX 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 explanation
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a complaint with CFPB in XXXX of XXXX  in regard to Truist Bank closing My business account without Giving me closure on why they made this decision. The Initial Matter took place in XXXX of XXXX  when Truist bank decided to close my account and and how my Funds due to the fact that I deposited a check in the amount of {$30000.00} also having an existing balance of around {$27000.00} dollars from a Legitimate Real estate Transaction. I provided documents within XXXX of this initial investigation to Prove to TRUIST bank that my funds were in fact Legitimate. TRUIST Bank insisted to informed that the investigation had been completed and that my funds would be placed in a recovery account in which they claimed only the rightful owner of the funds could place claim on the Funds. So I insisted on what the process was in order to claim my funds after being denied any closure on this process. I submitted Documents multiple times to TRUIST fraud department via email which I have proof of. I provided all the Documents that proved that I had in fact retrieved my funds legitimately as they requested. TRUIST continued to ignore my Submissions granting me absolutely no closure on how to retrieve my funds back or when my Funds would be released. As a result of this Neglect my reputation was damaged significantly. I was unable to pay my contractors at the time. I also was unable to pay multiple Bills which created a financial hardship for my family and I as result of this negligence my XXXX XXXX was repossessed do to my inability to access my Funds. My family and suffered mental and financial anguish because this matter so much so where had exhausted so much time and energy on this matter I had completely given up trying to retrieve my funds. After 4 months of not no correspondence from TRUIST bank I decided that I had to try again to Claim my Funds. in XXXX of XXXX  I filed a complaint with the CFPB in regard to this Bank XXXX. I was informed that it could take up to XXXX days to receive a response. As a result of my Persistence, Truist claimed that they would release my Funds after almost XXXX XXXX of XXXX my Funds. After I complained about the Intentional Negligence, XXXX and XXXX. Truist Clearly had no intent of Providing me any XXXX XXXX to this Complaint with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not a regular dispute. T ake action IMMEDIATELY! You are in VIOLATION!\nT o somebody who can help me. I am deeply upset about the erroneous things I see on my\ncredit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If\neverything is not reporting 100% accurately it must be removed.\nI hope you find out what's going on to and who the inaccurate information belongs to. Can you\nall clear this up quick. It is my understanding that you will do an investigation immediately, a new\ncredit report that reflect the updated changes should be sent.\nNorth American Recovery (Original Creditor:) XXXX XXXX XXXX Remove this\naccount from my credit report because the original creditor sold my account to a collection\nagency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S.\nCode  1692e(6) Debt collectors are legally obligated to adhere to 15 U.S. Code  1692e(6),\nwhich forbids them from providing false information or insinuating inaccuracies about the nature,\namount, or legal standing of a debt. It is against the law to make deceptive statements or\nmisrepresentation"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I requested complete validation of the alleged debt as my consumer right, and the company provided me with billing statements. However, billing statements alone do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor do they provide sufficient evidence of your legal ownership or authority to collect this debt.

I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX PRO COLLECT XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : Request for Validation of Alleged Debt Account No : XXXX To Whom It May Concern, I am responding to your claim that I owe a debt in the amount of {$21000.00} on behalf of XXXX XXXX This is a request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). You are hereby notified that I dispute your claim in its entirety, and I request full validation of this alleged debt.

Be advised that the FDCPA requires you to cease collection activity until you provide proper validation. Courts have consistently held that verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor claims is owed ( XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ) ; however, other courts require more, including documentation that the collector has the legal right to enforce the debt. Therefore, I am exercising my right to request the following specific documentation : 1. A copy of the original signed contract or agreement creating the debt.

2. Itemized accounting of the alleged balance, including principal, interest, late fees, and any other charges.

3. Proof of ownership or assignment of the debt, including a complete chain of title if the debt has been sold or transferred.

4. Evidence of your authorization/licensure to collect debts in [ Your State ], including license numbers and issuing authority.

5. Copies of any judgments obtained, if applicable.

Please note : a simple summary statement or computer-generated balance sheet does not constitute proper validation under FDCPA 809. Failure to provide the above requested documentation will be considered failure to validate.

Until you provide proper validation, you must : Cease all collection activity.

Cease reporting to the credit bureaus, and if already reported, immediately notify XXXX XXXX and XXXX  that the debt is disputed.

If you continue to pursue collection activity without providing full validation, you will be in violation of the FDCPA and other applicable state and federal laws. I will not hesitate to file complaints with the CFPB, FTC, and my state Attorney General, and to pursue all legal remedies available, including statutory damages under 15 U.S.C. 1692k.

This request is made in good faith and with the intent to exercise my rights under federal law. 

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