vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt you claim I owe in the amount of {$440.00}, associated with Account Number : XXXX and original creditor : XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide proper validation of this debt, including but not limited to : 1. Proof that I am legally obligated to pay this debt, including a copy of any signed agreement. 
2. A detailed breakdown of how the amount of {$440.00} was calculated.

3. The name and contact information of the original creditor.

4. Documentation that National Credit Adjusters is authorized to collect debt in the state of Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is my second time disputing this Capital One collection account. It is still being reported to Experian without proper verification or documentation. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), unverifiable or outdated information must be removed. I requested proof that this debt is accurate and belongs to me, but Capital One has failed to provide it. 

This continued reporting is damaging my credit and preventing me from moving forward. I am asking that Capital One conduct a real investigation and permanently remove this collection account from all credit bureaus. Please ensure this matter is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: AZ

Complaint narrative:
In the period from XXXX to XXXX, I had a checking account at First Interstate Bank. Everything was working normally. In XX/XX/XXXX, I opened another account ( credit card ) number XXXXXX/XX/XXXXWhen opening this account, the bank employee who worked on the application did not open the account completely correctly and did not enter all the necessary data into the bank 's system, so that when it came time to make my regular payments to this account, it was not possible, and the employees who worked in the branch at the time did not know what the problem was. I tried and went to the bank several times, but it was always unsuccessful, i.e. it was not possible to make the payment. Only after many attempts did the employee who opened the account contact me and said that I had to come to her bank before making the payment to correct the mistakes she had made. Attached are the email communications I had with her where you can see that the dates are current at the time of payment. For that period, the bank reported in my credit reports with the credit agencies XX/XX/XXXXand XXXX that I had delays for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mentioned delays were not caused by my irresponsibility or my mistake, but due to the inexperience and ignorance of bank officials. I tried several times to resolve and explain this with the bank, but they persistently issued a statement of that account without acknowledging the reasons why these delays occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
I am writing to dispute the validity of the alleged debt placed with your agency in the amount of {$410.00}, associated with Account Number : XXXX, originally claimed by XXXX XXXX XXXX Until this information is provided, you must cease all collection activity, including credit bureau reporting . Reporting inaccurate or unvalidated debt violates both the FDCPA and the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE REMOVE. DELETED ASAP.. I DONT HAVE A CONTRACT WITH THIS COMPANY I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXXXXXX XXXX XXXX - Original creditor XXXX XXXX XXXX XXXX XXXX 
Account number - XXXX - Balance - {$470.00} XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX Balance - {$1300.00}

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 2025-05-31 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: VA

Complaint narrative:
I have recently looked at a copy of my credit report and notice that there are many inaccuracies in the reporting. This fraudulent information is preventing me from obtaining any credit in this information needs to be removed from my credit report now. 

Equifax XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion 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 XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX 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 XXXXXXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-31 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: VA

Complaint narrative:
I have recently looked at a copy of my credit report and notice that there are many inaccuracies in the reporting. This fraudulent information is preventing me from obtaining any credit in this information needs to be removed from my credit report now. 

Equifax XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion 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 XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX 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 XXXXXXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
XX/XX/XXXX a scammer used my card in XXXX XXXX on XXXX XXXX XXXX XXXX and there saying its and authorize purchased when it wasnt. I live nowhere near there I dont have any kids and they wont let me see the footage or reimburse me

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 2025-06-01 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: OK

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. 
Account name : XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name : XXXX XXXXXXXX XXXX  XXXX ( Account Number : XXXX, Account Name : XXXX XXXX  ( Account Number : XXXX ), has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX 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 informationh ( A ) In general, after any re investigation 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 re investigation ; 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. 

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-06-01 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: OK

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. 
Account name : XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name : XXXX XXXXXXXX XXXX  XXXX ( Account Number : XXXX, Account Name : XXXX XXXX  ( Account Number : XXXX ), has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX 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 informationh ( A ) In general, after any re investigation 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 re investigation ; 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. 

15 U.S.C. 1681B ( 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 2025-05-31 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was given the number of Citibank customer service after receiving this letter in the mail regarding abandoned financial property in the amount of {$870.00} on XX/XX/year>. When contacting Citibank, I had multiple agents hang up on me, including supervisors, when I was just trying to get assistance. However, without account numbers, I can't get information or regain access to my closed checking account. I haven't had access to this closed bank account in years, so I don't have the account number anymore, and the website will not let me access my old online account. I need help to gain access to this bank account and receive my money that was abandoned in the account. I would also like to mention the unprofessionalism and lack of quality customer service by their main CS department. I simply called the number on the letter and was given the run around, rather than provided with next steps, what to do, and who to contact.

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 2025-06-01 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: LEXISNEXIS
State: GA

Complaint narrative:
b'I am filing a complaint against LexisNexis Risk Solutions and XXXX XXXX XXXX for the unauthorized sharing, publishing, and mishandling of claim-related data that has directly impacted my ability to obtain and maintain homeowners or condo insurance.\n\nLexisNexis included multiple claims in their XXXX XXXX XXXX XXXX XXXX report under my name. The following claims are being reported:\n\t\tXXXX  Type: Other, Amount: XXXX  Type: Other, Amount: XXXX  Type: Water (Includes XXXX XXXX, etc.), Amount: minimal payout\n\nThese entries are either XXXX payouts or accidental events that were not my fault, and they should not be used in a way that penalizes me. Despite that, these claims are being publicly shared by LexisNexis with insurers without my consent, and as a result, I have been denied insurance coverage and informed that my current policy may be terminated.\n\nI never consented to XXXX XXXX  reporting these claims to LexisNexis. Nor did I give LexisNexis any permission to share, distribute, or sell my personal claim data to third-party companies or insurers. This is a violation of my rights under the Fair Credit Reporting Act (FCRA):\n\t\t 607(b)  Failure to maintain procedures to ensure maximum possible accuracy\n\t\t 605B  Failure to block or correct disputed information\n\t\t 604(a)  Permissible purpose violations\n\nFurthermore, LexisNexis and XXXX XXXX are fully aware that even a single water-related claim or more than one claim can make a person uninsurable, especially for condos or HOA properties. This makes the distribution of this data without proper safeguards or context a deliberate act of negligence and reckless disregard for consumer harm.\n\nLexisNexis did not notify me, offer an opportunity to approve or dispute the reporting beforehand, and has refused to remove or suppress these claims even after I disputed them.\n\nI am requesting that the Consumer Financial Protection Bureau take the following action:\n\t1.\tInvestigate LexisNexis Risk Solutions and XXXX XXXX  for unauthorized claim reporting and violations of the FCRA.\n\t2.\tCompel LexisNexis to permanently delete or suppress the disputed claims in my XXXX. report.\n\t3.\tRequire all entities to obtain written authorization from consumers before sharing, publishing, or reselling claim information that can negatively affect housing or insurance eligibility.\n\nIf this matter is not resolved immediately, I am prepared to file a lawsuit for actual and punitive damages, including emotional distress and economic harm. I can provide documentation of the insurance denials, XXXX  reports, and the related correspondence upon request.'

Company response to consumer: Closed with explanation