vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I Went To Citi Bank Drive Threw ATM I Could Not Make A One Transaction Deposit With My XXXX So I Had To Put In A Hundred At A Time. I Was Inserting My Savings Into This New Bank That I Had For Atleast 3 Months I Was There For Almost 2 Hours. No Receipt Came Out When I Was Done. I Log In My Account And See That It Says XXXX Dollars I Gave It Time To See Was They Gon na Update It Or Fix It They Never Did. So The Next Day On The XXXX Of XXXX I Call Citi Bank They Make A Inquiry On There End Promised Me My Funds Will Be Available In 10 Days On The XXXX Day They Block My Account But I Could Still Log In At The Time. Then I Call Citi Bank They Give Me This Number To Call I Call It. They Say There Going To Email Me 24 To 48 Hrs About My Money. I Need My Money That Was All Of Mu Savings. And There Violating The Regulations E Rule. I NEED MY MONEY THATS ALL I HAVE.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this statement in connection with my FTC Identity Theft Report and pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft caused by exposure in multiple data breaches, including TransUnion, Equifax, and other existing breaches. Fraudulent accounts and unauthorized credit inquiries have been wrongfully placed on my consumer credit file. These items are not mine and must be blocked and permanently deleted without delay, verification, or investigation. 
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 XXXXXX/XX/XXXX Legal Authority for Immediate Blocking and Deletion : FCRA 604 [ 15 U.S.C. 1681b ] Consumer reports may only be furnished with a permissible purpose. Unauthorized inquiries are unlawful.

FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] Prohibits reporting bankruptcies older than 10 years and other obsolete adverse information.

FCRA 605B [ 15 U.S.C. 1681c-2 ] Mandates blocking of identity theft-related information within 4 business days of receiving proof of identity theft. Agencies are prohibited from verifying or investigating once documentation is provided.

FCRA 611 [ 15 U.S.C. 1681i ] Requires blocking disputed identity theft data from appearing in the consumers file.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Prohibits furnishers from reporting information they know or should know is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this statement in connection with my FTC Identity Theft Report and pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft caused by exposure in multiple data breaches, including TransUnion, Equifax, and other existing breaches. Fraudulent accounts and unauthorized credit inquiries have been wrongfully placed on my consumer credit file. These items are not mine and must be blocked and permanently deleted without delay, verification, or investigation. 
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 XXXXXX/XX/XXXX Legal Authority for Immediate Blocking and Deletion : FCRA 604 [ 15 U.S.C. 1681b ] Consumer reports may only be furnished with a permissible purpose. Unauthorized inquiries are unlawful.

FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] Prohibits reporting bankruptcies older than 10 years and other obsolete adverse information.

FCRA 605B [ 15 U.S.C. 1681c-2 ] Mandates blocking of identity theft-related information within 4 business days of receiving proof of identity theft. Agencies are prohibited from verifying or investigating once documentation is provided.

FCRA 611 [ 15 U.S.C. 1681i ] Requires blocking disputed identity theft data from appearing in the consumers file.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Prohibits furnishers from reporting information they know or should know is the result of identity theft.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Prime Recovery LLC
State: FL

Complaint narrative:
At the end of XX/XX/year>, I asked Prime Recovery to cease calling my company about a debt. The called my office line 2 more times after said request. Today, XXXX, they called my office 3 times, ( XXXX. XXXX and XXXX ) have photo proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WV

Complaint narrative:
On XX/XX/XXXX XXXXXXXX  sent a debit validation letter have not received any response from them as of XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
In reviewing my credit report, I noticed fraudulent and unauthorized accounts. I did not give consent. According to 15USC1681B, a consumer reporting agency may only furnish or account/ nor was it initiated by me. I'm requesting verification of the permissible purpose under which my credit report is reflecting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Security Credit Systems XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
In reviewing my credit report, I noticed fraudulent and unauthorized accounts. I did not give consent. According to 15USC1681B, a consumer reporting agency may only furnish or account/ nor was it initiated by me. I'm requesting verification of the permissible purpose under which my credit report is reflecting. 
XXXXXXXX XXXX XXXX XXXX One Main XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts reported on my credit file. Below are the details of the accounts I believe are inaccurately reported. I respectfully request that these accounts be investigated for accuracy and corrected if necessary. If any of the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charge Off Accounts : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Inaccuracy in 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-09 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am having difficulty getting my mortgage out of rears and XXXX XXXX  is trying to foreclose, short version. XXXX missed a payment ; while selling my house and they increased my rate from 4 % to 18 %. I tried to apply for forbearance through there portal since that time. Every time I provide information they request, they come up with something new for me to provide or the what I provide is not acceptable. 

Also, turned on ACH through their portal in XXXX and they didn't initiate any payment in XXXX and canceled ACH Transfer Scheduled in XXXX. I've made several attempts to negotiate, but this rate change is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year>, Navy Federal sent me a replacement card without my prior knowledge, as my current card was set to expire in XXXX. I did not know the card had been mailed until after it was stolen and used. When I reported unauthorized charges, I clearly stated I had the physical card I originally received, not knowing about the replacement. Initially, Navy Federal gave me a provisional credit, but then reversed it, claiming that since the thief had the replacement card physically, my claim was denied for mix match information. I did not give my card out to anyone but someone was using the physical card. The patterns were flagged as unusual because I do not use my card often or to any of those places. Even after I closed the card I received several notifications the theft still tried to use my he card. I immediately contacted Navy Federal, the representative stated it usually happens until the theft notices the card is closed.

I followed all their instructions, including filing a USPS mail theft report and attaching evidence that our mailboxes were broken into around the time, as confirmed by property management notices, and doing an appeal. 

Despite providing all requested documents and going through an appeal process, they denied my appeal and have been inconsistent with their instructions. Each representative gives me a different answer as to what next I need to do in order to get the {$180.00} back, and they refuse to escalate the issue. 

Even after closing the compromised card, the representative sent the new card back to the address where the card was still after I provided her with the update address I moved on XX/XX/XXXX. When the new card reached the old address where the card was intercepted in XX/XX/year>, that replacement card was intercepted and used XXXX XXXX due to their negligence. I spoke to supervisor regarding the XX/XX/year> incident, she stated the navy federal rep sent the replacement card to the address on file before updating the address instead of updating first. This caused another incident due to their negligence. 

In short, Ive been asked to jump through multiple hoops, and even after providing proof of mail theft, I have only received partial credits and no consistent resolution. Im now seeking the CFPBs help to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I experienced severe and life-altering financial harm as a result of Capital Ones system outage and their failure to notify me of the disruption. I had automatic payments set up with XXXX XXXX for my vehicle loan, and my payments had always been processed successfully through Capital One prior to the outage. 
During Capital Ones major system outage, my automatic car payment did not go through. I had funds available, and I relied on Capital One to execute the scheduled payment as agreed. I was never notified by Capital One of the outages, the payment failure, or the data breach affecting customer accounts. I only learned about the outage and data breach through social media. 
Because of the failed payment, my XXXX XXXX account became delinquent. I attempted to make a manual payment using another card, but by that point my account had already been marked late. XXXX XXXX repossessed my vehicle even though the missed payment was caused by Capital Ones system failure. 
Losing my vehicle caused me to lose my job because I had no reliable transportation. After losing my job, I fell behind on rent and was evicted. I had to find a new place to live while under financial stress. I am still struggling to find steady employment due to lack of transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My vehicle was repossessed at my private residence late at night on XX/XX/year> without any prior Notice of Right to Cure. The account was marked Closed/Charged-Off on my credit report, meaning the creditor had no lawful enforceable interest at the time of the XXXX. This violates FDCPA ( 15 U.S.C. 1692f ( 6 ) ) and UCC 9-609, 9-611. 

The repossession involved a breach of peace, occurring at approximately XXXXXXXX XXXX I became aware only when a neighbor photographed the tow truck. I confirmed immediately through Bridgecrest the next morning that they ordered the repossession despite marking the account closed/charged-off.

Bridgecrest also informed me the vehicle may be sold as early as XX/XX/year>. I mailed certified notices demanding account reconciliation, credit correction, evidence production, and immediate return of the vehicle. 

Any attempt to sell the vehicle before resolving these issues will increase damages significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation