vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Check Resolution Inc.
State: TX

Complaint narrative:
I am disputing an alleged debt being collected by NCR XXXX XXXX ( Reference ID : XXXX, creditor listed as XXXX XXXX ). 

XX/XX/XXXX : I received an email from NCR, XXXX and immediately requested copies of the original documentation for the alleged debt. NCR never responded. 

XX/XX/XXXX : I received a Declined Notice email but again no supporting documents. 

XX/XX/XXXX ( XXXX ) : I was contacted again by NCR, XXXX. I disputed the debt and requested proper verification. In response, they sent me the same one-page Validation of Debt letter that only lists a balance and creditor. 

XX/XX/XXXX ( Voicemail ) : A representative named XXXX left me a voicemail admitting NCR, XXXX does not have the original documentation and that I would need to contact the original creditor myself. This is a direct violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires the debt collector not the consumer to provide verification. 

XX/XX/XXXX ( Afternoon ) : I sent NCR a Final Notice of Dispute, restating that they failed to provide verification and clarifying the legal definition of verification ( original signed agreement, full account history, proof of assignment ). I also notified them I will be filing complaints with the CFPB and the Texas Office of Consumer Credit Commissioner. 

Despite multiple written disputes, NCR XXXX XXXX has failed to provide proper verification as required by law. Instead, they continue collection attempts, sending me duplicate validation notices. 

Why this violates the law : Under the FDCPA and Texas Finance Code 392, a debt collector must provide verification of the debt when disputed. Verification requires documentation showing the debt exists, that I am the responsible party, and that the amount is accurate not just a summary balance sheet.

NCR XXXX XXXX misrepresented the extent and character of the debt by insisting their one-page notice was sufficient, and by telling me to contact the original creditor myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
So on XX/XX/year> I sent a total of XXXX $ out, and then as time went by it was noticeably became a scam so I reported it immediately to the FTC, and Zelle report. However next day I received info that the FTC and Zelle are taking their time. So as of XX/XX/year> I contacted both XXXX my bank which basically told me they cant do anything to help and Zelle just told me just wait, we cant tell you whats going on. And basically I asked if they could like get me my money back but basically said cant do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-20 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ 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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an account listed on my credit report that is fraudulent and completely unauthorized. I never had any involvement with this account, and its presence is an error that damages my profile.

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 2025-08-20 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX BANK XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A couple years back a victim of fraud. 
There were multiple calls to my phone from what at the time popped up as a Bank of America caller ID. 
When I finally responded from all the calls, voicemails and tex lt the person representing the bank or so called bank stated that I needed to transfer my funds to avoid my account being drained. 
The time of this zelle transaction it was over {$2500.00}. 
I immediately called the bank with no resolution I was told I done this and sent it voluntarily. 

I still this day demand a refund and to be protected with my finances.

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 2025-08-20 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Orions Management Group, LLC
State: GA

Complaint narrative:
Orions Management Group , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Resolution of Unlawful Debt Collection Practices and Credit Reporting To Whom It May Concern, I am writing regarding the alleged account that Orions Management Group , LLC claims to have sold to XXXX XXXX XXXX. Despite your claim that you no longer own this account, I have received harassing and threatening calls from collectors who specifically stated they were acting on behalf of Orions Management Group. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in debt collection. Allowing a third party to misrepresent their relationship as acting on your behalf without my consent is a direct violation.

15 U.S.C. 1692c ( a ) ( 1 ) prohibits communications with a consumer without prior consent. I never consented to any communication with XXXX XXXX XXXX or any other third-party debt collector. 

As the party that originated or authorized this collection, XXXX XXXX XXXX remains liable for the unlawful conduct of its agents or assignees. 

Damages and Harm I was threatened with losing my home. 

I endured repeated harassment causing emotional distress. 

The continued reporting of this alleged account has negatively impacted my creditworthiness. 

Demand for Fair Resolution In order to avoid further legal escalation, I am offering a fair resolution : Immediate removal of the negative account from all three credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 

Consideration of the alleged debt as fully settled with a XXXX XXXX 

Written confirmation from Orions Management Group , LLC that no further collection attemptsdirectly or indirectly through third partieswill occur. 

Deadline and Notice If these demands are not met within XXXX business days of receipt of this letter, I will have no choice but to pursue all remedies available to me, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Seeking legal relief for damages under the FDCPA, which allows for statutory damages up to {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 

This letter is not only a demand for resolution but also notice that any further harassment or refusal to correct my credit report will be used as evidence of willful noncompliance. 

I expect your prompt cooperation to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular closed my account checking account on XX/XX/year>, which was due to my use of cryptocurrency and/or lawful digital-assetrelated activity. My transactions were lawful and fully compliant with all XXXX obligations XXXX Closing or denying services on that basis is inconsistent with the Executive Order issued XX/XX/year>, Executive OrderGuaranteeing Fair Banking For All Americans ( the Order ). See The White House, Presidential Actions ( XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the collection account that Caine And Weriner is reporting to the credit bureaus regarding an alleged debt from. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: The Savings Group, Inc.
State: NM

Complaint narrative:
XXXX  contacted me about refinancing. When they started requesting my bank account information, I did a search on the company and found out they were not a loan company they were a trolling company trying to get my money. So I reported them on line as fraudulent and gave them a bad rating. I called them in person cancelling the inquiry and told them I was going to refinace thru my local credit union instead. On XX/XX/XXXX, I signed with my local credit union. I was approved for a refinance immediately. My credit rating was XXXX. They have sent a check to XXXX XXXX as of XXXX paying off that loan and I signed contract for refinance with Credit Union for a rate of XXXX  %. I am very happy with my Credit Union. They were efficient, kind, did deal within a couple of days. I got letter from XXXX XXXX XXXX XXXX saying the denied me credit with XXXX XXXX Notice. I don't know who they are. I did not sign or give my approval for any loans to XXXX  or XXXX XXXX XXXX. They need to remove that negative report from my credit report. Their principle reason for denial was false and misleading. My credit rating was A. My credit report was not insufficient. My income was not insufficient. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
I submitted multiple notarized dispute packages to Equifax regarding inaccurate, unverifiable, and fraudulent information being reported on my credit file. These disputes included FTC Identity Theft Reports, a notarized police report, copies of my ID, proof of address, and detailed dispute letters citing the Fair Credit Reporting Act ( FCRA ), GrammLeachBliley Act ( GLBA ), and Metro 2 reporting standards. Despite this, Equifax failed to conduct a lawful reinvestigation under FCRA 611, ignored the evidence provided, and continued to report the disputed accounts and inquiries.

Equifax also failed to provide the requested information I demanded, including verification documentation and permissible purpose records under FCRA 604. Instead of providing proof, Equifax maintained reporting of accounts and hard inquiries without validation. This is a clear violation of federal law and consumer rights.

Their actions have caused ongoing financial harm, damage to my creditworthiness, denial of credit opportunities, and emotional distress. XXXX continued noncompliance shows willful negligence and disregard for consumer protection law

Company response to consumer: Closed with non-monetary relief