vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX XXXX XXXX I had XXXX XXXXXXXX which resulted in the inability to completely use my right leg. I have been seeking reasonable accommodation to try and return to work. In XXXX of this yearXXXX Hurricane Helene severely damaged my home and I am having difficulty with the The union is trying to help me with reasonable accommodation, but I work for the federal government so I am having issues at this time. I have no money at all at the moment. I am trying desperately to get my job back and stay in my home, I had been getting help from friends but 1 has been forced to retire. I require time to deal with the government. I can't do anything else. I didn't mean for any of this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
I received my XX/XX/XXXX government relief/tax return debit card in the mail and activated via telephone and confirmed that there was a {$350.00} balance. I tried using it at a local store and it got declined. When I called the number on the card it directed me to use " an alternate payment method '' if the card got declined without an alternative way to use the money on the card. I went on the website as prompted by the automated telephone system and the website does not have an option to transfer the money to my banking account although this is advertised as an option over automated phone call. I then tried to download the money network app and again, the app breaks down whenever you click on the only method of transferring the money out " transfer to a friend. '' Not a bank, not withdrawal, but transfer to a friend. There is no way to calling and speaking to a human. Even when I tried to claim the card was lost and that I need a replacement, I was greeted with an error and to " please try later. '' Please help me retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint concerning inaccurate and outdated address information currently being reported on my Experian credit file. Specifically, Experian is listing XXXX XXXX XXXX XXXX in XXXX XXXX, CA as my current address and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA as a previous address. These listings are incorrect, outdated, and do not reflect my actual residential history. I did not provide authorization for these addresses to be added or reported to my file. The continued reporting of these erroneous addresses raises serious concerns about the accuracy of the data Experian is maintaining and whether proper procedures are in place to ensure updates reflect verified information. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to maintain maximum possible accuracy in the consumer reports it compiles as stated in 15 U.S.C. 1681e ( b ). Furthermore, under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation upon notification of a dispute and remove or correct any information that is found to be inaccurate or unverifiable. Failure to do so undermines the integrity of the credit reporting system and exposes consumers like myself to potential credit denials, misidentification, and the impact of improperly associated accounts.

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 2025-05-23 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: GA

Complaint narrative:
i recently reviewed my credit report that has fraudulent activity on it. please remove 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
On XX/XX/year>, we deposited a U.S. Treasury check for {$1900.00} via mobile deposit into our joint Capital One account. The check was made out to XXXX XXXX, which matched the account holder name exactly. 

For nearly two weeks, the funds showed as pending. We received no notice or explanation from Capital One. Our account remained locked without warning or communication. It was only after we called customer service on XX/XX/year>, that we were finally told our account was under investigation, and shortly after that call, we received an email stating our account activity was unusual. 

This was the first time we were notified of any issue. The check was a legitimate Treasury-issued payment, and the account was not newly opened. We were not contacted for verification, asked to confirm our identities, or given any opportunity to address concerns before being locked out.

Capital One has now informed us that our account may be closed and that funds will either be sent to an external account or mailed to us. As of this filing, no closure confirmation or refund has occurred.

We are requesting : A formal explanation of what triggered the investigation Immediate return of the deposited Treasury funds ( including interest if held ) Assurance that no negative credit or banking reports are being filed against us This has caused significant stress and uncertainty. We believe the lack of timely communication and the nature of the responseonly issuing a notice after we calledis unfair and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The companies on the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Has violated my rights under ; Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a are consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Follow-Up Dispute Of Collection Account - Request for Method Of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX. In my initial dispute, I requested the removal of this account due to the collection agencys failure to provide debt validation. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account. 
The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-complaint with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

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 2025-05-22 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: LA

Complaint narrative:
b'I checked my credit report and noticed several inaccuracies on my account. \nThese accounts are mutilating my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.\nThese are what  I am asking you to verify as accurate:XXXXExperian:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunionXXXX 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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Debt Validation\n\nDear Affirm INC,\n\nI am writing to request validation of the debt. As per the Fair Debt Collection Practices Act, (FDCPA),15 U.S.C 1692G I have the right to request verification of these debts.\n\n\nPlease provide me with the following information:\n\n1. Send me a full detailed list of payment history on this account. The name and address of the original creditor.\n2. The account number that is associated with the debt. And the original signature that I agreed to on this contract for this debt.\n3. The amount of debt, including any interest, fees and any insurance claim found on this debt. \n4. Proof of chain of title and that youve legal authorization to collect this debt.\n5. Any documentation that shows you are authorized to collect these debts in my state.\n\nPlease send this information to my address listed above. Until you provide the requested validation, I request that all collection activities cease and be removed from my credit report marked as disputed, until proper validation is provided.\n If you fail to provide the requested information within 30 days, I will consider this a violation of my rights under the FDCPA, and I may take further legal action, including filing complaints with the Consumer Financial Protection Bureau (CFPB) and my states Attorney General. Please respond to this request in writing to the address listed above.\n\nThank you for your cooperation.\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Unrecognizable hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to contact all of these companies and have been dealt with rude employees that just want to collect debt and accounts that arent even mine. My identity was stolen. Also Im having a problem with citi cards, I was an authorized user on Citi Card from my fathers account which we paid off {$17000.00} to close the account and I just get hit with an email a week ago saying that we owe {$10000.00} even though they had sent my dad a {$3900.00} check because we overpaid the balance but now theyre trying to claim that we owe {$10000.00} after they gave us money back so now were having problems with that too. I reported this all in the identitytheft.com this is ridiculous. I can not believe that theyre trying to hit me with this. I can not believe all these are on my credit report. It is just blows my mind.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report shows several former name variations, including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX , along with an outdated previous address at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The inconsistent reporting of my name and previous addresses causes confusion and may lead to errors in credit reporting or misidentification. Inaccurate personal data undermines the reliability of my credit report and could adversely affect my ability to obtain credit.

Equifax is required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) to maintain procedures that assure the maximum possible accuracy of consumer information. The presence of multiple former name variations and outdated addresses indicates Equifax has not met this standard. This could be linked to improper data handling or recent failures in conducting adequate investigations, as highlighted in recent CFPB findings regarding Equifaxs noncompliance with investigation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a bankruptcy by LexisNexis Risk Solutions. 

On XX/XX/2025, I identified a bankruptcy record listed on my LexisNexis consumer disclosure report that I never authorized to be included, verified, or shared with any third party. This entry has negatively impacted my financial reputation and has been disseminated to other agencies without my consent. 

I submitted a dispute to LexisNexis and subsequently provided an official letter from the U.S. Bankruptcy Court, which clearly confirms that the court does not report or furnish consumer information to LexisNexis or any other consumer reporting agency.

Despite this conclusive evidence, LexisNexis has failed to : Provide a clear method of verification as required under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), Identify the data furnisher or provide the source of the information, Delete the unverifiable bankruptcy record, which is required under 1681i ( a ) ( 5 ) ( A ) when the information can not be verified. 

Furthermore, I never authorized LexisNexis to collect, report, verify, or distribute any of my personal financial information with the credit bureaus. Their continued reporting of this unverifiable data is a violation of FCRA Sections 1681e ( b ), 1681g, and 1681i.

I sent LexisNexis a formal Method of Verification demand letter on XX/XX/2025 giving them 15 days to respond with proper documentation or remove the entry. As of today, I have not received a satisfactory resolution or verification. 

I am requesting the CFPBs assistance in compelling LexisNexis to : Immediately remove the inaccurate bankruptcy record. 

Provide full documentation regarding how they verified this information. 

Cease the dissemination of any unverifiable or unauthorized personal data. 

This inaccurate reporting has caused material harm, and I am prepared to pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
My personal information was sold to an INNOVATIVE RECOVERY INC. by a XXXX XXXX XXXX XXXX XXXX out of spite this is not a bill that I owe. This information was placed on my credit in order to block me from being able to buy or rent an apartment. I have been harassed by INNOVATIVE RECOVERY INC. for a debt that I do not owe. 

On XX/XX/year>XXXX XXXX XXXXXXXX and XXXX XXXX for {$1200.00} this issue with missing use of my credit result from an eviction. on XX/XX/XXXX I went to court for an eviction I was being evicted because I was accused of working for XXXX XXXX  and when I told them it was not me and that XXXX does not verifiy employment they still wanted me to get out of an apartment I lived in for 13 years. XXXX XXXX and XXXX XXXX came to court with all kind of papers trying to accuse me of owning a business. Before this case went to court. I did everything they asked me to do they said if its not you file Identiy theft. I reported my information to the IRS. I was sick of their threats and moved out 2.5 months earlier. When the court date came they were expecting the judge to tell me I had to get out but Judge XXXX told me she would give me another 5 days to get the information I said no that is okay let them have the apartment I moved out XXXX ago I don't need it. They were stund then Judge XXXX ask me what are you doing here then I said I don't want my name missed up in case I need housing again. They were so angry because I let them carry on like fools. Then Judge XXXX asked if I owed any back rent any money they all said No. she does not owe any money Judge XXXX ask why are y'all evicting her then they said its because she was working and did not report it. Judge XXXX gave me a copy of the Judgement which states I owe XXXX in rent and XXXX in attorney fees. Then 04 months later I started receiving letter emails and calls from INNAVATION Recovery Inc saying I owe {$1200.00} in rent attorney fees and damages. I kept telling them you have the wrong person and the wrong information This year I decide to pull my credit to see where I stand because I want to buy a home at the end of the year I saw a {$1200.00}. 

When I contacted XXXX XXXX about the charges this is when she told me I owed {$1200.00} for damages trash removal and attorney fees. I told her that it is not true you told the judge I owe XXXX dollars plus that information is false that the apartment was left clean I asked XXXX XXXX to remove my information from this collection agency because she knows it's not true. I told her when my son move out you said they owe XXXX dollars you didn't even take them to court or place it on their credit. you are just mad because I let them jump through hoops and I had already moved out your are trying to damage my credit by saying I owe money so I want be able to rent or buy.

Company response to consumer: Closed with explanation