vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In or around XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding an alleged XXXX account with a balance of approximately {$470.00}. After receiving the notice, I disputed the alleged debt in writing and requested full validation pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I specifically requested documentation supporting the alleged debt and XXXX legal authority to collect and report the account. On or about XX/XX/XXXX, I submitted a complaint with the Consumer Financial Protection Bureau after XXXX failed to provide sufficient validation of the alleged debt. In response to my dispute and CFPB complaint, XXXX only provided limited account information and a partial billing statement. XXXX failed to provide the documentation specifically requested during my dispute, including a signed agreement or contract, complete itemized payment history, complete accounting records, chain of assignment documents proving ownership of the account, and documentation establishing legal standing to collect and report the alleged debt. XXXX also failed to provide documentation showing how the balance being reported was calculated, including any fees, interest, credits, adjustments, or accounting records supporting the amount furnished to the consumer reporting agencies. Despite the incomplete validation and insufficient investigation, XXXX continues attempting to collect the alleged debt and/or report the account to Experian , Equifax, and TransUnion. I continue to dispute the accuracy, completeness, and verifiability of this account. I am requesting that XXXX either provide competent documentation fully validating the account and reporting or cease collection activity and request deletion of all associated credit reporting if the account can not be properly verified. I am also requesting a reasonable investigation into whether the information being furnished to the consumer reporting agencies is accurate, complete, and legally verifiable.

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 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Lost a dispute when the person filed a dispute and one but the person was already refunded by me so I was charged twice and the person who filed the dispute received double the amount of money because of fraud. Date the dispute was awarded was XXXX and the amount was {$3800.00} I also faxed the below documents to the individuals bank for review Additional information provided by consumer : XXXX The consumer would like the complaint to be sent to USAA Bank.

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 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing inaccurate information on my credit report the account listed ( XXXX Capital one # XXXX ), is inaccurate because it was charged off in XXXX, and now is charged off again, XX/XX/XXXX lowering me XXXX XXXX again. I request an investigation and corrections under the XXXX Credit Report act, 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation