vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
On Monday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, I received a text supposedly from Valor Intelligent Processing ( VIP ), who claimed to be a debt collector acting on behalf of XXXX XXXX XXXX XXXX ( XXXX  ). It claimed that the debt validation notice for my account was attached to the message, which it was not. Since I did not know if it was a valid debt collector or a scam text, I did not click on the links from the text or call the number in the text. 

I continued to receive texts from VIP, including one on XX/XX/XXXX that announced they accept XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. It was followed by a supposed link ( " Click this link { invitecode } ) that made the texts appear even more fraudulent. 

Since then, which has exceeded 5 days, VIP has given no email or sent mail of the debt validation notice, nor provided an explanation that I have the right to dispute the alleged debt, until I did some research and emailed them on XX/XX/XXXX requesting documentation. 

They responded on XX/XX/XXXX via email with original letters from XXXX instead of writing a validation letter. I had sent a certified letter to XXXX  back on XX/XX/XXXX explaining the invalidity of the supposed fines imposed on XX/XX/XXXX and XX/XX/XXXX and asking if they had video proof of me parking my car in their lot and leaving it, which they did not in their response on XX/XX/XXXX. Their supposed evidence of violations were photos of a vehicle ( can not make out the license plate ) located near a parking lot somewhere, with no other context or supporting evidence. 

For the lot specific to XXXX XXXX XXXX XXXX in XXXX, where the alleged violations took place, there are no gates or ticket booths, the signage for the lot is not obvious from where vehicles enter and exit, and there is a camera that takes photos near one of the entrances even if those cars do not end up parked there as vehicles have been previously fined by the company for going through their lots to access adjacent buildings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2024, I called the bank from which I receive XXXX  benefits, called XXXX XXXX, to report the loss of my card. I asked the person who answered for an XXXX  translator so she could understand what I was saying, and I also understand what she was saying to me. She did not bring me a translator and acted from her mind, not from my mouth. This is because she did not respect the customer and bring him a translator as he requested. I was surprised that the items she wrote in the report were different from what had happened. They stole it from me. She deleted the phone bill that pays auto pay, which made the one investigating the fraud reject the report. I called after that and asked for an XXXX  translator and filed my complaint against the woman who answered me and she did not bring me a translator and caused harm because of what she did to me. I explained what happened, that I lost my card. After two weeks, I was surprised to find the card in front of my door on XX/XX/2024. I asked to renew my request for the return of the amounts that were used on my card. Debit card network and the amount is {$610.00} and I requested to change the card with a new one until now I have not received a response nor have I received my money that was stolen from my card. I called many times and every time I call the one who answers me says the investigation is not over yet. I called yesterday and she answered a woman named XXXX and she did not give me any information and told me yes it is a long time but there is nothing I can do when the responsible department opens they will contact you tomorrow. I waited and no one called me. I called again today also the response is the same as yesterday even the call while I was talking to her she was cut off and I do not know if she is the one who closed the line or if it was a malfunction and if it was a malfunction she should call me but she did not call. I found the subject not good, inhumane treatment of a person who was defrauded and is not at fault for what happened to him. Please return the amount that was used from my debit card. Thank you for the help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX5 U.S.C. 1681b and 15 U.S.C.1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy, 15 U.S.C. 1681b lack of permissible purpose to report, 15 U.S.C. 1681i ( a ) duty to reinvestigate disputed information, and relevant case law, notably XXXX v. TransUnion, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
They are calling and asking for the rest of the money that is owed. The car was involved in an accident and I had gap insurance included. So, Gap should of taken care of the rest of the balance. They call us all times of the day including after XXXX. I have a newborn at home and can not work until probably the end of next month. They harass me and my spouse both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c2 a of the Fair Credit Reporting Act ( FCRA ).

I did not authorize or participate in the transaction ( s ) listed below and have reason to believe they were the result of identity theft. The following information is fraudulent and should be blocked from my credit report : In a Four Day manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
XXXX XXXX XXXX IS STILL SHOWING UP ON MY CREDIT REPORTS FROM ALL THREE CREDIT BUREAUS. IT KEEP REPORTING LATE PYMTS AND I DO NOT HAVE THIS CARD. MY INFO WAS COMPROMISED IN THE EQUIFAX DATA BREACH.

THIS CARD DOES NOT BELONG TO ME AND NO LATE PAYMENTS SHOULD BE REPORTING ON MY CREDIT REPORT. ANY INFORMATION REGARDING XXXX XXXX XXXX NEEDS TO BE DELETED FROM MY CREDIT REPORT.

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 2025-07-26 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: MS

Complaint narrative:
XXXX XXXX XXXX IS STILL SHOWING UP ON MY CREDIT REPORTS FROM ALL THREE CREDIT BUREAUS. IT KEEP REPORTING LATE PYMTS AND I DO NOT HAVE THIS CARD. MY INFO WAS COMPROMISED IN THE EQUIFAX DATA BREACH.

THIS CARD DOES NOT BELONG TO ME AND NO LATE PAYMENTS SHOULD BE REPORTING ON MY CREDIT REPORT. ANY INFORMATION REGARDING XXXX XXXX XXXX NEEDS TO BE DELETED FROM MY CREDIT REPORT.

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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this formal complaint against Equifax for knowingly reporting a bankruptcy on my credit file that violates the Fair Credit Reporting Act ( FCRA ), and for failing to remove it upon proper dispute. 

The credit bureau is reporting a public record bankruptcy that was not furnished by the court or by me, the consumer. I have confirmed directly that the bankruptcy court does not report information to credit bureaus, and there is no permissible original furnisher of the data as required under FCRA 623.

The continued reporting of this unverifiable, unsubstantiated information violates FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) information must be furnished with direct knowledge or by the original source FCRA 1681e ( b ) failure to verify public record data accurately and responsibly I properly disputed this item and gave the bureau an opportunity to verify the bankruptcy or remove it. They failed to do either. Since the court itself does not report this information, and the bureau can not identify a legally recognized original furnisher, this bankruptcy is unverifiable and must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Request for Relief : I am requesting : 1. Immediate deletion of the bankruptcy from all of my credit reports across Equifax consumer reporting agency ; 2. Written confirmation of deletion within 30 days of this complaint ; 3. Compensatory relief for damages resulting from this violation under 15 U.S.C. 1681n ( willful violations ) or 1681o ( negligent violations ), including : Loss of credit opportunities Emotional distress Costs related to disputes and monitoring Supporting Case Law : Cushman v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct a reasonable investigation with the actual furnisher of the data. 
Guimond v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A CRA may be held liable for failing to ensure maximum possible accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Consumers are entitled to actual and punitive damages when a bureau fails to correct disputed information. 
Cortez v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRA was liable for maintaining inaccurate public record data despite being alerted to the error.

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 2025-07-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-07-26 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:
Issue : Fraudulent auto loan XXXX XXXX  XXXX XXXX ), fraudulent Dept. of Education account, XXXX  XXXX accounts with late payments, and mislabeled personal info Desired Resolution : Immediate deletion of all disputed entries ; updated accurate credit report Legal Basis : Noncompliance with 15 U.S.C. 1681c2, e ( b ), i ( a ), s2 ( a ). Demand strict enforcement of FCRA.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I recently discovered that my personal information was sold without my knowledge or consent. This includes sensitive data such as my name, contact details, and potentially financial or identifying records. I did not authorize the release or sale of this information to any third party. The unauthorized distribution of my personal data constitutes a serious breach of my privacy and has exposed me to potential identity theft, financial fraud, and other risks. I am actively taking steps to secure my information, monitor my credit, and pursue any necessary legal or corrective actions to address the impact of this violation.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Delete this off my credit report off all 4 bureaus immediately or Ill take the next legal action bc your in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I am disputing the XXXX XXXX account reporting on my Equifax file. Ive uploaded my full dispute letter and multiple versions of my Equifax reports showing serious inconsistencies and violations. All three versions display excessive charge off notations, where Equifax continues to label the account as charged off month after month, even after the initial charge off was already reported. This creates a distorted, misleading, and damaging version of the account that inflates risk and directly harms my credit profile. 

A charge off is a one time accounting event it can not legally be re reported over and over to exaggerate delinquency. This is misleading data that violates FCRA standards for accuracy and integrity. Equifax has published three different structures of the same tradeline, yet all of them show the same harmful pattern. Ive provided my dispute letter and all relevant screenshots for your review. This needs to be fully investigated, and I expect a real resolution not a generic form response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am submitting this complaint to report Barclays Bank 's failure to timely and professionally respond to a case of identity theft involving the fraudulent opening of an online savings account in my name. 

On XXXX XX/XX/year>2025, I received a letter in the mail from Barclays Bank notifying me that an online savings account had been opened in my name. I did not open this account, and it is clearly fraudulent. 

On XXXX XXXX ( the next day ) at approximately XXXX XXXX ET, I called the customer service number provided in the letter to report the fraudulent activity. The letter indicated that customer service was available from XXXX XXXX. to XXXX XXXX. ET, 7 days a week. 

The experience that followed was deeply troubling : The customer service representative I reached refused to assist me and claimed there was no manager available to escalate my call. 

When I asked her to identify herself, she initially gave the name " XXXX, '' which was clearly fictitious. She then refused to provide any additional identifying information, including a representative ID number. 

She ultimately hung up on me. 

Attempting another route, I called the fraud line listed on the Barclays website, only to be told that the number I had reached was for XXXX cases only. I was then given the number for the XXXX fraud line. 

Upon calling the XXXX fraud number, I was told that this department only handles credit card fraud and could not transfer me to anyone handling fraud related to savings accounts. 

Complaint : Barclays failure to respond with urgency and professionalism during posted business hours to a serious report of identity theft is unacceptable and potentially dangerous. The lack of any clear escalation path, the inappropriate behavior of the initial representative, and the siloed and unhelpful fraud departments raise serious concerns about Barclays readiness to protect consumers from financial 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 
On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over 34 unauthorized and unverifiable hard inquiries Accounts discharged in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law. 
Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items. 
I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX Signature XXXX XXXX Phone : XXXX Email : [ Insert Your Email ] 1 Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission ( FTC ) Ohio Attorney Generals Office

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