vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I mailed a written debt validation request to National Recovery Agency regarding a collection account they are reporting. The letter was received and signed for, and as of today, XX/XX/year>, I have not received any response or documentation verifying the debt. 

Despite this, the company continues to report this account to the credit bureaus as open and in collections, which is inaccurate and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This company has failed to provide any proof that I owe this alleged debt, any itemized accounting, or documentation showing they have the legal right to collect it. Reporting unverifiable information after a validation request is noncompliant and damaging to my credit. 

I am requesting that the CFPB investigate this matter and require the company to either provide proper validation or immediately remove the account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LEXISNEXIS
State: IL

Complaint narrative:
Summary of Complaint : I have made multiple good-faith attemptsby phone and through the LexisNexis consumer portalto obtain my Consumer Disclosure Report. Despite submitting valid proof of identity and address as requested, LexisNexis has failed to provide my report due to repeated internal verification and portal errors. This has prevented me from accessing information I am legally entitled to under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting\n documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a\n result of that XXXX \nACCOUNTS\n :\n  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC, XXXX XXXX XXXX XX/XX/XXXX CERTIFIED MAIL RETURN RECEIPT REQUESTED Synergetic Communications XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Original Creditor : XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the entire above-referenced debt. I demand strict proof and validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

My reasons for disputing this debt are as follows : Incorrect Amount : The balance you are claiming, [ Insert Incorrect Amount Here ], is incorrect and I dispute the accuracy of this figure. 

Inaccurate Reporting/Reappearance : This debt originated from XXXX and was previously removed from my record by the apartment company during the XXXX pandemic. Its reappearance now in XXXX constitutes inaccurate and unfair reporting. 

Potential Time-Barred Debt : The alleged date of default is over XXXX years ago. I believe this debt may be past the Statute of Limitations for legal enforcement in the state of North Carolina. 

I demand that you provide the following verification and documentation immediately : A copy of the original contract or agreement bearing my signature. 

A complete, itemized accounting showing the principal debt, all added interest, and any fees, demonstrating how you arrived at the claimed amount. 

Proof that you are legally licensed to collect this debt and own or are authorized to collect on this specific debt. 

The date of the last payment or activity on the account. 

Until you provide the requested validation, you must cease all collection activities and communication regarding this debt, except to send me the requested verification. 

Furthermore, I demand that you cease reporting this disputed account to any credit reporting agencies ( XXXX XXXX XXXX ). If you have already reported it, you must immediately notify the agencies that the debt is disputed and seek its removal or correction, as reporting information known to be inaccurate or incomplete is a violation of the FCRA. 

Be advised that I will report any violations of the FDCPA or FCRA to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IN

Complaint narrative:
I am disputing XXXX accounts that are being reported inaccurately on my credit report. 
XXXX. XXXX, XXXX ( XXXX Account ) : This account appears to be a medical bill that should not be reported under federal privacy laws. It showed up on my credit report around XX/XX/XXXX with a balance of about {$500.00}. I never authorized the sharing of any medical information, and the company has not provided validation or proof that I owe this debt. Reporting this account violates HIPAA privacy rules and the Fair Credit Reporting Act, which limit the reporting of medical data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account involves a vehicle that was voluntarily surrendered in XXXX. Even though it was a voluntary repossession, the company continues to report the account as an active derogatory debt with inaccurate payment information. I requested validation several times, but they have not provided any supporting documents or corrected the reporting. This violates the FCRA because the company is furnishing information they know or should know is inaccurate. 
I sent written disputes to the credit bureaus asking for an investigation and deletion of both accounts, but they remain on my report. These inaccurate items are harming my credit and ability to qualify for credit and housing. 
I am requesting that the CFPB investigate both accounts and require the companies to provide complete validation or have the accounts removed from 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 2025-10-22 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: IN

Complaint narrative:
I am disputing XXXX accounts that are being reported inaccurately on my credit report. 
XXXX. XXXX, XXXX ( XXXX Account ) : This account appears to be a medical bill that should not be reported under federal privacy laws. It showed up on my credit report around XX/XX/XXXX with a balance of about {$500.00}. I never authorized the sharing of any medical information, and the company has not provided validation or proof that I owe this debt. Reporting this account violates HIPAA privacy rules and the Fair Credit Reporting Act, which limit the reporting of medical data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account involves a vehicle that was voluntarily surrendered in XXXX. Even though it was a voluntary repossession, the company continues to report the account as an active derogatory debt with inaccurate payment information. I requested validation several times, but they have not provided any supporting documents or corrected the reporting. This violates the FCRA because the company is furnishing information they know or should know is inaccurate. 
I sent written disputes to the credit bureaus asking for an investigation and deletion of both accounts, but they remain on my report. These inaccurate items are harming my credit and ability to qualify for credit and housing. 
I am requesting that the CFPB investigate both accounts and require the companies to provide complete validation or have the accounts removed from 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 non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
My credit report contains several inaccurate accounts and collections

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains several inaccurate accounts and collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-22 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: MA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
After closing an old money market account I started getting locked out of my BMO accounts. It is to the point i have to call before i login to get my account unlocked. I WILL be leaving BMO over this, but this behavior from them is unacceptable.

I have called, complained, been told its all my fault because im apparently putting in my login wrong, which i have not. When i try to reset the password it tells me new password can not be same as old, so i try a new one. after a few attemps even that locks me out. That my account is being locked without ANY INPUT FROM ME, is not indicative of a user error, but a system error on their end. I filed a XXXX  complaint, they had someone call me, unlock and again blame me for not following specific " Steps '' to login. steps include manyally inputting password, manually going to their webpage instead of a saved bookmark. both things that would suggest an issue with their webpage development and not user error. Neither of which helped at all. 

They have refused to fix it, or any culpability instead blaming me over and over and over. When i closed my old money market account, i had moved the money to my current checking. They sent me to a personal banker who said i still had {$0.00} in the account and had me go get it cashed by someone still in training. As i had the money moved over originally, i think this may have been in error and now the system is locking my account on an overdraft on this dead/closed account, had requested IT look into it. The person they had me in contact with, XXXX, did do something where i wasn't locked out of my account for about 5 days, but i think she white listed my IP for a spell. also had be clear my cookies and cash on my browser. I have repeatedly requested for their IT to look into the time stamps of when i tried to login and when my account gets locked to see when it happens and if it indeed is doing it without any input from me. but that request has gone nowhere. 

Sadly, i am once again, locked out. This has been going on for around 2 months, with no resolution in sight, and being blamed for it not working. BMO is not the only institution i bank with, but it is the only account i can not access, either by mobile or webpage/pc login. Again, suggests issues on their end, not me, so STOP BLAMING ME BMO. I dont know if i have any legal recourse here for this XXXX experience, but am strongly considering 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
Complaint about US Bank. I was recently scammed about a month ago. I had thought I was talking to a legitimate person to share my phone with to solve a problem. Unbeknownst to me, it was a scammer that got all my banking information and I was depleted of all my funds in the bank. I did not know this was a scammer and totally innocent on my end. So I reported it to the bank in all the proper ways to get this money back. It took them over two weeks to issue the provisional to me. Yesterday, I found out the bank reversed the provisional due to the fact, I shared my phone with what I thought was a legitimate representative. But later found out it was a scammer. I did not share my phone to be scammed. If I had known, I never would have done that. But they are holding me accountable for giving that access to a scammer that I didnt know was a scammer. They refuse to pay me back the money I was scammed out of and when they took my money back, my bills bounced which created a huge overdraft for me. I asked that they not charge me the overdraft but they refuse. I would have hoped a bank would value their customers and help them receive funds stolen no matter what. This did not happen. Ive been completely devastated, completely broke and now will face paying overdrafts which will affect me paying my bills. I need a exception here. Especially being a valued customer for years now. I will seek legal proceedings if this isnt rectified. My name is XXXX XXXX. Phone number is XXXX if you have questions. They have all the documentation regarding these fraudulent charges in their system. Please advise. I want this money returned asap. Or I will seek legal representation and no choice but to sue US 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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or about XX/XX/year> I contracted to have my vehicle 's engine rebuilt. Engine was shipped. I was charged {$5900.00} which was paid under my VISA card. The engine was returned a year later and immediately had trouble with engine repair whereupon I advised the vendor. On or about XXXX XXXX, the vendor sent me an email that he had been defrauded by the company that he sent engines to and that he was refunding my entire purchase of {$5900.00}. Unfortunately, there were so many charge backs, that his bank stopped my repayment. I was advised by the vendor to have VISA charge back the amount. I sent a packet of supporting information to VISA including the Vendor 's note to have the amount charged back against his account. VISA denied my claim and I immediately sought them to review it again. It was denied a second time. Their reason for the denial was that it was beyond their XXXX month dispute policy. Both the vendor and myself are victims here and the fraudulent actions of his agent were not discovered until past VISA 's XXXX month policy. This should have been an extremely resolution as there is no dispute. The Vendor wants to be charge back the {$5900.00} and I would very much like to be reimbursed as I have spent at least that much in repairing the car myself out of pocket.

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 monetary relief