vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Attempted to have XXXX XXXX. validate a debt by me ( consumer ), sending a validation of debt letter via certified mail XXXX in which they received on XX/XX/year>. They failed to validate the debt by providing the name and address of the original creditor per 15 US Code 1692. I ( Consumer ) sent XXXX XXXX. a cease and desist notice via certified mail XXXX in which the received on XX/XX/year>. I later sent an Affidavit of Truth. I then submitted a CFPB complaint as number XXXX in which XXXX responded by stating " We received your written request to stop all collections contact with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text message, letter, chat and emails. We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your accounts. '' Since this last communication I have not heard from them attempting to validate the debt in any way until XXXX XXXX. decided to hire an attorney by the name of Rubin & Rothman , LLC. They sent me a letter dated XX/XX/XXXX. They violated the cease and desist notice in which is subject to {$1000.00} violation for each occurrence per 15 US Code 1692k. This is backed up by case law. I also consider this deceptive according to 15 US Code 1692j ( a ) and abuse 15 US Code 1692d ( 1 ) and 15 US Code 1692f ( 1 ) which is subject to another {$3000.00} violation on top of the {$1000.00} for breaching the cease and desist. Rubin & Rothman , LLC is subject to pay {$4000.00} for their part in committing violations.

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 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Money was taken from an ATM. I had the debit card. Someone withdrew XXXX from my savings. They must have used a fake card. I filed a police report and answered all questions. The bank is claiming that I authorized it which is not true. The money was returned and I opened a new account at a different bank. Now the old bank is tying to collect the XXXX from me. I would never take my only savings and then file a claim. When I updated my phone number and email it was changed the next day. How can that happen if I reported the fraud on XX/XX/XXXX. I could not open my Face ID which alerted me to the fraud. The bank let other charges go through even when the account was closed. Sincerely, 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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I sent XXXX  a formal debt validation request regarding an alleged account they claimed I owed to SchoolsFirst Federal Credit Union. 

On XX/XX/year>, XXXX  responded with documents that appeared to come from SchoolsFirst Federal Credit Union, but none of the information provided showed that XXXX  owns the debt or has any legal authority to collect it. 

After receiving their response, I contacted XXXX directly. XXXX confirmed on a recorded line that the account was charged off and sold to a XXXX-party debt buyer, and that XXXX is not collecting on their behalf. This means XXXX has no ownership interest in the debt and no agency relationship giving them authority to collect it. 

Because XXXX failed to provide proper validation, I sent a second written demand for validation on XX/XX/year>, via certified mail. In that letter, I again requested the required documentation, including : A bill of sale or assignment agreement showing transfer of ownership to XXXX  ; A full chain of assignment from the original creditor to whoever currently owns the debt ; Written authorization from the current debt owner permitting XXXX  to collect ; Proof they are legally authorized to collect in my state. 

As of today, XXXX has still not provided any proof of ownership, assignment, or legal authority to collect this alleged debt, and they continue to represent that they are collecting a valid debt. 

Under the FDCPA, XXXX is required to validate the debt and prove their legal right to collect before continuing collection activity. They have not met these requirements. 

I am requesting that the CFPB require XXXX  to : Stop all collection activity and communication ; Remove or prevent any negative credit reporting related to this account ; and Provide written proof of ownership or legal authorization if they believe they have any valid claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of the accounts attached to etc and dispute letters These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-11-16 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: World Acceptance Corporation
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB. Not 100 % accurate.

15 usc 1681A2AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692C. Illegal contact without written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB. Not 100 % accurate.

15 usc 1681A2AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692C. Illegal contact without written permission.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am a victim of identity theft and American Express is attempting to collect debt on accounts that I did not open, authorize, or sign for. American Express has failed to conduct a proper investigation, continues to report fraudulent information to the credit bureaus, and is attempting to collect on accounts to which they have no legal claim. I have repeatedly notified American Express of the identity theft and provided official documentation, yet they continue to ignore the law. 

XXXX. Unauthorized accounts created using my personal and business information Multiple fraudulent American Express accounts were opened using my identity, business information, and business address. 
I never applied for or authorized any of these accounts. 
American Express has not provided any signed application, authorization, or documentation proving I opened these accounts. 

XXXX. Unauthorized credit inquiries American Express accessed my personal credit report without any permissible purpose. 
These inquiries were not authorized and are directly connected to fraudulent account activity. 

XXXX. Failure to investigate identity theft American Express has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ). 
Despite being provided : - An FTC Identity Theft Report - A police report from the XXXX XXXX XXXX XXXX XXXX XXXX that my business is dissolved in the State of XXXX  Documentation of compromised bank accounts ( including a fraudulent XXXX XXXX  account ) Prior CFPB complaints and disputes American Express has not conducted any legitimate investigation and has not provided any results, documentation, or verification of debt. 

XXXX. Continued harassment and collection attempts American Express continues to : Send billing statements Contact me demanding payment Send mail to a dissolved Florida business Report fraudulent debts to the credit bureaus Ignore multiple identity-theft notifications This constitutes ongoing harassment and unlawful collection behavior. 

XXXX. Reliance on fraudulent payments American Express claims that payments were made from a XXXX XXXX  account. 
This account was compromised and used in various identity-theft activities which were officially reported. 
These fraudulent payments can not be used as evidence that I opened or used the account. 

What I Have Already Done I have filed : FTC Identity Theft Report Police report ( XXXX XXXX XXXX XXXX XXXX ) IRS report regarding fraudulent business activity Credit bureau disputes Prior CFPB complaint American Express has still not complied with federal identity-theft laws or provided any investigation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
To Whom It May Concern, I just got my report and i thing it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate informaiton. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

please provide me with the following items payoff disclosure * Balance history * payment hisory * credit insurance XXXX Validate account XXXX  XXXX ACCOUNT NUMBER XXXX THIS CONTRACT IS CANCELED i rescectfully ask for you guys to provide some kind of proof of these alleged items specifcally the contract note or other instrument bearing my signature additionally please provide the name address and telephone number of each credit grantor or other subscriber i also heard that under federal law you have thirty { 30 } days to complete your re-investigation be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation sincerely 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> ( XXXX ) Capital ONE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Formal Dispute & Request for Validation FDCPA 1692g | Cease Communication Notice FDCPA 1692c To Whom It May Concern : I am contacting you regarding an alleged debt that you claim I owe.

This letter serves as my formal written dispute of the alleged debt and my request for full validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

I. Dispute of the Alleged Debt FDCPA 1692g ( b ) Under 1692g ( b ), once I dispute the debt in writing, you must cease all collection activity until you provide proper validation.

Therefore, I request the following : 1. The name and address of the original creditor.

2. A complete itemization of the amount you claim is owed.

3. A copy of the original signed contract or agreement showing I am legally obligated to pay.

4. Proof of your legal right to collect, including any assignment or transfer of the alleged debt.

5. A complete account history, showing how the balance was calculated.

Until you provide all required validation, you must cease collection efforts.

II. Cease and Desist Communication FDCPA 1692c ( c ) Under 15 U.S.C. 1692c ( c ), I hereby request that you stop all communication with me, including calls, letters, emails, texts, or contacts to third parties.

The only communication you are legally allowed to send after receiving this letter is one of the following : 1. A statement that you are terminating further collection efforts, or 2. Your required debt validation as requested above.

Any other communication will be considered a violation of federal law.

III. Notice of Record Keeping Please note : I am documenting all communications related to this matter. Any violation of FDCPA statutes may result in complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and state Attorney General, and may result in civil action under 15 U.S.C. 1692k.

IV. Required Response You must respond within the legal time frame and provide full validation.

If you can not validate the debt, you must : Cease all collection activity, and Request that any credit reporting agency delete the account as unverified.

Thank you for your prompt compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB. Not 100 % accurate.

15 usc 1681A2AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc1692C. Collections illegal contact without written permission.

Company response to consumer: Closed with non-monetary relief