vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
I sent this letter with no response from the company : I am writing to formally dispute and request the removal of alleged debt that's reporting on my credit report by your company XXXX XXXX XXXX XXXX. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. In accordance with my right under the FDCPA, I respectfully request the following information : 1. The name of the original creditor. 2. The amount of the alleged debt, including breakdown of any interest, fees, or other charges. 3. A copy of the original contracted or agreement bearing my signature. 4. Proof that you are authorized to collect this allege debt and a copy of any assignment or transfer of the debt. 5. A copy of the last billing statement from the original creditor. Please be advised : Until information is provided, I am requesting that all collection activities be ceased, including reporting to credit bureaus. If you are unable to validate the debt, you are required to delete it from any credit reporting agencies to which you may have reported it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was refunded a partial refund from XXXX store on a purchase I made but returned for refund without even opening or tampering with the XXXX box I received. XXXX store still owes me {$360.00}. After contacting XXXX they claim I only return part of my delivery which is ridiculous considering I returned the ONLY box that was delivered to my Apartment. 
My only option at that point was to dispute the {$360.00} with XXXX XXXX XXXX USAA. I sent USAA all the documents I had between myself and the XXXX XXXX. USAA investigated the dispute for over 2 months and found me still liable for the {$360.00}. I do not not have the product I purchased from XXXX because I returned the ONLY box ( XXXX ) that was delivered to my apartment. I complained to USAA and was told they would look into the dispute again and get back to me. USAA has yet to reach out to me concerning my request to reopen my dispute. I have been a loyal customer for 30 years with USAA for them to believe XXXX over me is the same as USAA calling me a liar and thief.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant courtU.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX. sent me a written notice stating that my newly-approved credit-card account ending in XXXX was being closed due to activity inconsistent with typical customer account usage. 

However, this card was never delivered, activated, or used by me or any authorized party. No inconsistent activity could have occurred. Capital One accessed my credit file, creating a hard inquiry for the account, then abruptly closed it without ever issuing or activating the card.

I contacted Capital Ones customer-service department for clarification. During the call, I advised the supervisor that I was recording the conversation for accuracy the same way Capital One records calls for quality assurance. Rather than assist me or provide a lawful explanation, the supervisor terminated the call, citing company policy against being recorded.

This conduct violates the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ) and Regulation B ( 12 C.F.R. 1002.9 ), which require a specific written statement of reasons for any adverse action. It also implicates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ) because Capital One both accessed and may report information about an account that was never issued.

I have mailed a Formal Request for Statement of Reasons and Notice of Adverse Reporting and Credit Inquiry Prohibition to Capital Ones Executive Office and to the Florida Attorney General. I ask the CFPB to require Capital One to : 1. Provide the exact reason and internal data used to justify the closure.

2. Remove or correct the hard inquiry and ensure no negative information is reported. 
XXXX. Confirm compliance with federal consumer-protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
b"I was scammed out of 6 checks.  I was told I would get something if I wrote these checks to a XXXX XXXX  I never received anything.  I also have a police report filed on this.  Also at that time the bank was aware this was scam but let these checks go through. \nI brought my son into the bank to address this and was told by a lady who does not work at that bank anymore to bring in a copy of police report.  I went to obtain a copy of police report and brought it back and she told me there's nothing she can do.\n I filed my own claim with the fraud department and they denied my claim twicXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Top Line Collectors LLC
State: NC

Complaint narrative:
Previously requested validation from Topline collection as to the following Bill of sale ( all debt buyers in app. ) Chain of custody Proof they legally own the debt and to collect on it.

The original signed contract with card company Any any copy if this debt was securitized They mailed me copy of credit card statement nothing else Asked for cease of all phone communication but they are continuing to ignor request Previously sumbitted complaint as to there tactics case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
To the CFPB Company : National Credit Systems , Inc . 
Account Number : XXXX Original Creditor : XXXX XXXX Apartments Case Reference : XXXX  Case # XXXX Date of Original Validation Request : XX/XX/year> I am filing this complaint because XXXX XXXX XXXX XXXX XXXX has continued to report a collection account to all three credit bureaus ( XXXX XXXX XXXX XXXX without ever providing proper validation of the debt as required by FDCPA XXXX ( b ) and the Texas Finance Code. 

On XX/XX/year>, I sent National Credit Systems a formal written request demanding : -A full itemized payment history and breakdown of the balance. 
-Validation of the {$4400.00} debt they are reporting. 
-Access to my account records & to reset my password to view my account. 
-A cease-contact request requiring communication only by email.

National Credit Systems did not respond within the 30-day period and never provided any of the required documentation. 

I then filed a complaint with the Better Business Bureau ( BBB XXXX # XXXX ). 
Instead of providing validation, National Credit Systems issued a generic statement claiming the debt was valid, with no documentation or proof. This violates 15 U.S.C. 1692g ( b ) because they continued reporting to the credit bureaus without validation. 

After 20 days of XXXX  response, I then filed disputes with XXXX XXXX XXXX XXXXn, but all three bureaus sided with XXXX XXXX XXXX despite the fact that no validation or proof was provided, not even access to my account. 

This ongoing reporting without validation is a violation of : -FDCPA 809 ( b ) ( failure to validate ) -FCRA 623 ( furnishing inaccurate or incomplete information ) -Texas Finance Code XXXX XXXX  ( prohibited debt collection practices ) Supporting Documentation : -Copy of my original FDCPA validation letter sent to National Credit Systems. 
-Proof of delivery / sent email. 
-BBB complaint and their response. 
-Bureau dispute results. 
-Collection details from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX 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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally dispute fees that were charged to my account due to a payment reversal caused by XXXX XXXX  error. 
I made a payment on [ XX/XX/2025 ], which was reversed by mistake. This error led to additional fees on my account. I have contacted your customer service several times, and although one fee was waived, I am still being charged for the remaining fees, which were not my fault. They have acknowledged. The mistake but everytime I speak to a supervisor they say the cant waive it even tho they put it there I just do t want to pay for a fee that wasnt not my fault in which fee Im talking about it the {$60.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received a call about a medical debt and called back. I informed the collector that I dispute the debt and requested written validation under the Fair Debt Collection Practices Act. The representative refused to mark the account as disputed and stated they cant do that. I have not received proper written validation of the debt. I am requesting the CFPB to require this company to comply with federal law by marking the account as disputed and providing verification. 

The company is XXXX, XXXX XXXX XXXX XXXX IL XXXX Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Recovery Systems LLC
State: ID

Complaint narrative:
Contacted via phone today, XX/XX/year> at XXXX, and was left voicemail by representative at Credit Recovery Systems . Verbatim voicemail below threatening to contact my employer regarding the debt. 
Good afternoon, ( name ), this is ( representative name ). I'm reaching out to you for the XXXX time now, making you aware of the declined payment for the {$60.00}. I will be reaching out to the employer unless I hear back from you in regards to this as we are looking to go ahead and just proceed for forcible recovery for the remaining balance plus any additional fees to be attached. The number to avoid further actions, XXXX, XXXX. Thank you.

Company response to consumer: Closed with explanation