vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ARS National Services, Inc.
State: GA

Complaint narrative:
On or about XX/XX/year>, I received a letter from ARS National Services , Inc. regarding an alleged XXXX XXXX XXXX Card account ending in XXXX, allegedly owed to XXXX XXXX XXXX XXXX ( ARS Ref : XXXX ). The letter offered a settlement for the alleged balance. 

I dispute this alleged debt in its entirety. XXXX XXXX XXXX XXXX has publicly disclosed in its SEC filings that it routinely securitizes credit card receivables into the XXXX Credit Card XXXX XXXX and similar securitization vehicles. If this account was securitized, XXXX no longer owns the receivable and neither XXXX nor XXXX has legal standing to collect on it without producing the full chain of title and proof of ownership. 

In response to their letter, I sent ARS National Services a formal written demand under : FDCPA 809 ( b ) Requesting the original signed credit agreement, full XXXX accounting ledger, Bill of XXXX XXXX XXXX Agreements, and proof the account was not securitized. 

XXXX XXXX Demanding the full chain of title identifying the Secured Party XXXX XXXX and XXXX prior assignees or owners. 

TILA 1638 ( a ) & 12 CFR 1026.1720 Requesting original XXXX in XXXX disclosures, payoff statements, and transfer notices. 

XXXX XXXX Requesting their privacy policy and disclosure of any sale, transfer, or securitization of my personal financial information. 

To date, ARS National Services has failed to provide any legally required validation or documentation proving ownership or their right to collect. Without this information, their continued collection attempts and any credit reporting on this account are unlawful.

By continuing to collect or report without proof, ARS is in violation of : FDCPA 807, 808, 809 ( b ) False representation of debt and failure to validate.

FCRA 623 ( a ) ( 3 ) & 623 ( b ) Failure to update account status as disputed and failure to conduct a reasonable investigation.

TILA 1638 ( a ) & Reg Z Failure to provide required disclosures.

GLBA 502 Unauthorized transfer and use of my personal and financial data.

UCC 9-210 Failure to identify the secured party of record and provide an accounting.

I request that the CFPB investigate ARS National Services, require them to cease all collection and reporting of this account, and have the account removed from all credit bureaus due to lack of validation, failure to prove ownership, and violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX  15 U.S.C, 1681section 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 an 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 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/scrub> XXXX XXXX XXXXXXXX stays I own them XXXX which is was originally from a bank in the name of navy federal credit union. That account has been closed for 9 years or longer now and every couple years try opening it again XXXX XXXX and from there I request documentation stating where is the proof Im the owner of this account I never hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2025-08-09 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: PA

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT 15 U.S.C 1681 SECTION 602 A. STATES | 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1. Bank : XXXX, XXXX. 
ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX  : XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # 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 2025-08-09 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: PA

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT 15 U.S.C 1681 SECTION 602 A. STATES | 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1. Bank : XXXX, XXXX. 
ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX  : XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bank with Wells Fargo. Starting on XX/XX/XXXX, my account was charged multiple times per day from XXXX XXXX  for a month. Those charges continued until XX/XX/XXXX. I contacted XXXX and they shared that someone named " XXXX '' has added my card information to their account. I am still trying to get the information from XXXX XXXX  on who XXXX is and where that food was delivered. There are several transactions on the documents that show it came from a company called XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I don't know who that is. I also have XXXXXXXX. Also several purchases came from a desktop computer. I don't use a desktop for XXXX XXXX  and that IP address won't match my home IP address. Also the XXXX XXXX  charges continued until XX/XX/year>. I believe my identity was stolen and Wells Fargo refuses to refund the money stolen. The total amount stolen was {$2900.00}.

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 monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I GOT A CREDIT REPORT AND STATED IT WAS ON THE THERE AND IT WAS A CHARGE OFF BUT THEY ARE CALLING FOR DOUBLE THE AMOUNT THAT WAS ON THE CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am the secondary person on the account. The primary person on the account is XXXX XXXX XXXX and I am XXXX XXXX XXXX. In XXXX of this year, An independent care home attempted to steal the primary car purchaser from me as his caregiver and power of attorney. Consequently, I am not able to pay the car loan on my own, the primary car owner has the larger bank account. Adult protective services and the older children of the primary car owner are not letting me know where he is now located and they have found a way to remove the car payment from XXXX and other methods of payment for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate collection account from XXXX XXXX XXXX that Experian continues to report, even after I provided documentation proving the debt is invalid. This account is related to my former apartment at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I moved out in XX/XX/2023 and never renewed my lease, yet the apartment complex improperly billed me for additional months, fees, and a lease termination charge. I sent Experian copies of my lease, payment history, and correspondence showing the charges are not owed. Despite this, Experian verified the account as accurate without explaining their investigation process or providing proof from the furnisher as required by the Fair Credit Reporting Act ( FCRA ). This is willful noncompliance under FCRA 1681i and 1681s-2 ( b ), as Experian failed to reasonably investigate, update, or remove the disputed information. I am requesting this inaccurate account be deleted immediately from my credit report to prevent further harm to my creditworthiness.

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 2025-08-09 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: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX 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 2025-08-09 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXX/XX/year> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXX5 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered several discrepancies that were alarming. There are multiple fraudulent accounts listed that I do not know of. I am disputing these inaccuracies because none of the accounts or transactions shown are mine. I believe I am a victim of identity theft. The presence of these accounts on my credit report warrants immediate removal, as they reflect numerous inaccuracies and unauthorized charges across all credit bureaus. This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that the accounts listed below be removed under the Fair Credit Reporting Act, 15 U.S. Code 1681i Procedure in case of disputed accuracy. I further request that these accounts and any related inquiries be thoroughly investigated, and upon confirmation of their inaccuracy, permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
XXXX is ridiculous, wrong and so is Experian. I called XXXX at ( XXXX ) XXXX XXXX and spoke with XXXX, who advised that my account is in perfect standing, and the problem is Experian. 

This serves as a formal complaint of the inaccurate XXXX late payment on XXXX  0f XXXX  reported by Experian credit report, so it must be deleted due to XXXX violation of Federal Law 15 U.S.C. 1681e ( b ) by not following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, they do not adhere to XXXX XXXX technical compliance standards required for accurate credit reporting. The list of all the Federal Law violations are as follows : 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to assure maximum possible accuracy. 

They have failed to provide the process and reasonable procedures used for this, and they have failed a certification of accuracy of information, so they must delete immediately. They have also failed to meet XXXX XXXX standards. 15 U.S.C. 1681s-2 ( b ) : Experian and other credit bureaus are required to conduct proper investigations and correct or delete inaccurate information, which Experian has failed to do. They are reporting inaccurate information after notice and confirmation of errors. 15 U.S.C. 1681i ( a ) ( 5 ) : XXXX must delete disputed information that is found to be inaccurate, unverifiable, or reported in violation of compliance requirements. 

Multiple correspondence I've sent to Experian via mail, but have been negligent in their duties. The Experian was contacted on the following dates with the following people who all acknowledged that my account is in perfect standing with no lates, and assured that they would take care of the error internally, but clearly have acted in bad faith : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They are in flagrant violation of Federal Law, so every legal remedy shall be used against them if they do not remove the error immediately. I request the immediate removal of all lates ( especially reported XXXX of XXXX and XXXX of XXXX and all there after ) from my credit report due to XXXX XXXX non-compliance with 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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 XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX CA XX/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