vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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 Credit Systems,Inc.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to National Credit Systems. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect National Credit Systems to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

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 2025-10-15 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: IL

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 2025-10-15 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Information Under Section 605B Dear XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Dispute and evidence that debt is invalid submitted to credit bureau. The bureau did not remove the debt from the report so it continues to damage my credit.

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 2025-10-15 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 non-monetary relief
Consumer complaint received 2025-10-15 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: 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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX Email : XXXX Which company is your complaint about? 
XXXX XXXX ( refund originator ) XXXX XXXX XXXX XXXXXXXX sender side XXXX Bank of America XXXX XXXX XXXX bank ) Why? 
Bank of America : for removing your XXXX enrollment without notice or explanation, causing the payments to fail. 
XXXX : for failing to trace or return the funds even though they show the transaction as complete. 
XXXX : for failing to ensure the refund actually reached you, and refusing to initiate a proper trace. 

What is your complaint? 
I was scheduled to receive a refund from XXXX via XXXX ( through XXXX ) to my Bank of America account using my phone number as the recipient ID. The transaction shows as completed on XXXX  side, and initiated on XXXX side, but I never received the funds because my phone number had been removed from Bank of Americas XXXX system a day prior to the transfer. 

When I called Bank of America, I was informed my phone number was removed from XXXX, but I was not given any explanation/justification. BOA spoke with XXXX and confirmed no one had removed my phone # from XXXX and used it for their accounts, yet I received an email stating that I had removed my phone # from XXXX according to an automated email from BOA. I believe that BoAs removal of my phone number prevented the payment from being delivered, and that both XXXX and BoA are refusing to trace or resolve the missing funds. 

I have repeatedly asked for a XXXX network trace / suspense account check to locate the funds, but none has been done or documented. I am being left with no recourse. I request that the CFPB investigate, compel the involved institutions to produce the trace documentation, and ensure my funds are returned. 

What you believe the company should do to resolve the problem Conduct a full XXXX network trace / suspense inquiry to determine where the funds are ( claimed, returned, or stuck ). 
Provide me with the written results of that trace. 
Re-credit or recover the amount of {$480.00} and {$740.00} if the trace shows funds unclaimed or not delivered. 
Provide a written explanation for BoAs removal of my phone number from XXXX, its timing, and any internal reason code. 
Provide assurances and adjustments to prevent this kind of failure in the future. 

Attachments / Evidence ( if any ) I have emails/ screenshots of statements from XXXX showing the transaction was complete. 
I have status from XXXX showing initiated. 
Date when spoken with BOA and XXXXXXXX XXXX The draft demand letters you sent to the banks.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Transworld Systems account ( XXXX ) is for a debt that is not owed. However, the account continues to damage my credit even though this is not a valid debt. Proof the debt is not valid was submitted, but it still shows up on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I asked for all statements from XXXX from the mortg servicing company SPS Servicing. They provided all years except XXXX years of payments.I am now entered in a civil action to move upon foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and XXXX XXXX XXXX for what appears to be targeted, repetitive, and potentially retaliatory collection activity. This occurs while I already have an active CFPB complaint and dispute involving LVNV Funding LLC concerning another account. 
CFPB Complaint # XXXX was already filed against LVNV. 

On XX/XX/year>, I received an email from XXXX XXXX XXXX stating that they are now managing my XXXX XXXX XXXX XXXX XXXX ) account for LVNV Funding LLC. The email lists a balance of {$1700.00} and offers a discount settlement for {$1300.00}, claiming that LVNV Funding is the current creditor.

This communication raises several compliance and consumer protection concerns : 1. Pattern of Conduct : LVNV Funding is actively involved in another ongoing CFPB complaint and dispute with me regarding a separate account. Despite this, they have initiated new collection activity on another account through XXXX XXXX XXXX. This behavior may constitute targeted collection or retaliation, prohibited under the FDCPA ( 806, 15 U.S.C. 1692d ) and CFPB Regulation F ( 12 C.F.R. 1006.18 ). 
2. Failure to Provide Validation and Material Account Information : The debt collection agency has failed or refused to provide the essential and necessary documentation required for debt validation, including : The last statement date from the original creditor ; The last date of account activity or payment ; An itemized breakdown of the amount owed; and Proof of ownership or assignment from the original creditoXXXX XXXX XXXX XXXX XXXXXXXX XXXX to LVNV Funding LLC. 
Without these records, I have no way to verify the legitimacy, accuracy, or age of this alleged debt. This omission violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ), which require accuracy, transparency, and proper consumer notice before continued collection or credit reporting.

3. Improper or Misleading Reporting : LVNV Funding and/or its third-party collectors appear to continue reporting or threatening to report accounts to the credit bureaus without verifying their validity. Such actions may constitute violations of FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the character, amount, or legal status of the debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I filed a Citi ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claim ( Claim # XXXX ) for EUR XXXX in vehicle damage from a rental in XXXX. The claim was denied on XX/XX/year>, with the reason that I did not decline the rental companys collision damage waiver ( XXXX ). However, the XXXX was automatically included in the base rental rate through XXXX and could not be declined. 

I contacted Citi Benefits Services three times by phone and submitted additional documentation, including the rental agreement and XXXX confirmation proving the XXXX was bundled and not optional. Despite multiple follow-ups, I received no substantive response or reconsideration. On XX/XX/year>, I mailed a formal written appeal with supporting evidence, which has not been acknowledged or resolved. 

The denial is inconsistent with Citis XXXX XXXX XXXX XXXX terms, which exclude coverage only when XXXX is voluntarily accepted or purchased. I am requesting that Citi honor the benefit and pay the covered claim amount. 

I also submitted a related complaint to the California Department of Insurance ( XXXX XXXX # XXXX ) on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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:
I contest the validity of accounts listed in my credit history that I did not authorize. Kindly examine this matter in detail and expunge them. Enclosures are attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Strategic Dealer Services
State: NM

Complaint narrative:
I purchased my vehicle in XX/XX/XXXX through a dealership that later went out of business. I was never notified that my loan was sold or transferred to another company. 

Around XX/XX/XXXX, I began receiving phone calls labeled as potential spam. Because I didnt recognize the caller, I did not initially answer. On XX/XX/XXXX, I called the number back to ask who they were and learned it was a new company claiming they had taken over my car loan. During that same call, I verbally complained that I was never informed of the change in ownership. 

On XX/XX/XXXX, I also sent an email requesting written debt validation to confirm their legal right to collect or enforce the loan. I asked for proof of ownership or assignment of the loan, a copy of my original retail installment contract, and a complete payment history. Despite acknowledging that they received my emails, the company never responded or provided any of the requested documentation. 

Instead, they continued to contact me multiple times per day through calls and texts. On XX/XX/XXXX, my vehicle was repossessed, even though I had not received any validation of the debt or written notice verifying that the company legally owned my loan. 

I later spoke with a representative named XXXX, who was extremely rude and spoke over me, refusing to let me explain. A supervisor later confirmed that my prior complaint from XXXX was documented and that my emails were received and sent to an employee named XXXX but I was never given any follow-up or response. 

On XX/XX/XXXX, I saw through USPS Informed Delivery that a certified letter from the company was arriving, which I suspect may be the validation I requested. However, this was sent after my vehicle had already been repossessed. 

I believe this company violated my rights under the Fair Debt Collection Practices Act and possibly my states repossession and consumer protection laws by failing to provide debt validation before repossession. I am requesting that the CFPB investigate this matter, require the company to provide full documentation proving ownership of the loan, and determine whether the repossession was lawful.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-15 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: MI

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