vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
XX/XX/year> LEGAL NOTICE FEDERAL TRADEMARK VIOLATION. REQUEST OF SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE. MATCHING THE SAME DATE, YOUVE STOLE MY IDENTITY GIVING ME THE RIGHT TO DISPUTE MATCHING REPORTED DATE OF THIS ALLEGED ACCOUNT TO MY CONSUMER REPORTS ALSO PLEASE SEND FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT PURCHASE AGREEMENT, SECURITIZED OF THE DEBT. WHO ARE YOU I HAVE NO BUSINESS WITH YOUR COMPANY PLEASE SEND CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS HARM DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH MIDLAND CREDIT MANAGEMENT I DIDNT GIVE A CONSENT TO USE THIS ESTATE : XXXX XXXX XXXX IN COMMERCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX. 

If the item can not be verified with original documentation, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MN

Complaint narrative:
I was reviewing my Equifax report and still see some errors on my personal information. I do not conduct business or use the names ' Also known as ' or any aliases. I am asking to have the names " FORMERLY KNOWN AS '' deleted from my report ; those names do not belong to me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This is an additional complaint to complaint # XXXX in order to record my intentionally imposed descent into penury, joblessness, potential starvation and eviction. 

It is now 11 days after I deposited my last check into my account and am still not able to access my funds. When I went to my local branch and talked to the manager about the fact that you are in violation of both federal and Illinois state laws by not making my money available to me, she said that she would look into it before she disappeared for an hour and finally called the police to ask me to leave. 

When I called the fraud department they said they couldn't help me with fraud and transferred me to customer service who said they would pass the message along. 

I am now on the verge of empty and unable to buy gas in order to work. In a few days I will begin to starve and in 11 days, if I live that long, I will be unable to pay my rent. 

This is no longer an issue of illegality but immorality.

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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Received a debt collector letter from XXXX XXXX XXXX ON XX/XX/XXXX, disputed it same day. Never heard back from company.received letter on XX/XX/XXXX from Resurgent Capital Services with enclosed documents that they say verified the debt on behalf of LVNV Funding LLC, who I had mot received anything from regarding this alleged debt. Information enclosed was improper documentation that did not verify the debt. Did not hear back from them until XX/XX/XXXX when Resurgent Capital Services sent another letter with incomplete information that did not verify that the debt was legally mine. They asked me to send them documentation instead, to which I reached out via email to let them know that they need to prove that the debt in fact is mine. On XX/XX/XXXX Resurgent on behalf of LVNV Funding LLC ( whom I still have not personally heard back from to date ) sent a letter with even less information that did not verify the debt as legally mine. I warned them to cease contact until they provided me with the following information : name and address of original creditor, detailed statement of alleged debt, including amount, date of default, and a breakdown of fees and interest, Proof that they are legally authorized to collect, and finally a copy of the agreement bearing my signature that shows I agreed to assume this debt. Instead, on XX/XX/XXXX they resent the same incomplete 1 page document to claim that its verified. As this breaks the FDCPA I am filing this complaint and looking to potentially pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-20 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 reporting a fraudulent charge-off account and multiple unauthorized hard inquiries on my credit report as a result of identity theft. 

The account in question is listed as XXXX and is showing a charge-off status across all three credit bureaus for {$320.00}. I did not open this account, authorize its use, or benefit from any services associated with it. 

Additionally, hard inquiries from XXXX and other companies appear on my credit report without my consent. These inquiries were made in connection with fraudulent applications I did not initiate.

I submitted disputes with the credit bureaus under my rights granted by the FCRA ( 15 USC 1681i ), and I have also submitted an identity theft report to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I just want this off my credit this company is badgering me with false info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Complaint Regarding Collection Item [ XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the debt associated with the above account number, which your company claims I owe. I am requesting a full validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

I have reason to believe that this debt is inaccurate, may not belong to me, or has already been resolved. Until proper validation is provided, I request that you : 1. Cease all collection efforts.

2. Refrain from reporting this account to any credit reporting agencies or immediately remove any existing entries.

3. Provide detailed documentation verifying the debt, including : The name of the original creditor.

The amount of the original debt and any interest or fees added.

Proof that you have the legal right to collect this debt.

A complete payment history.

If you fail to provide this information within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please respond to this letter in writing. I also request that you do not contact me by phone. All communication must be in writing and sent to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit cards with Chase Bank XXXX XXXX and XXXX XXXX  are in excellent standing and have been for years. They are under their limit and i always may the minimum amount on time or more every month. No late or missed payments. Suddenly on XX/XX/XXXX XXXX which is a XXXX  night both credit cards were closed without warning in violation of TILA. Regulation Z 12 CFR Oart 1026. This severely is a significant account change and a change to my financial stability. 
My credit score is fine XXXX so that is not the reason and it has been a stable account for years. I recently filed a dispute about an airbnb payment but that should not cause closure of the account and they have not informed me about that outcome yet. XXXX offered me a partial refund but i deserved a full refund due to the property not as advertised and construction at the property. So they can not use that as a reason as you are allowed to file disputes. Again they suddenly closed on a XXXX in violation of TILA. They have not given a reason except bank policy verbally. No letter has been received or phone calls, no warning no notice - Nothing. I wish my account reinstated and this rectified. I also note when i signed up for the card interest rates were 12 % on the card now they charge 29 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am the XXXX of a non profit organization, we continue to receive credit card statements to our XXXX XXXX which are not intended for us. The card was issued by XXXX and is XXXX XXXX XXXX XXXX issued to XXXX XXXX. They are sending this statement to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is the XXXX XXXX for the XXXX XXXX XXXX XXXX. I have called XXXX, and they said they would correct it, that was XXXX XXXX ago. We continue to receive statements which I have returned through both direct mail to their payment center and by returning to sender through the USPS. 

Please let me know if you can help.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CXXXX XXXX XXXX XXXX XXXX Transunion reports XXXX XXXXXX/XX/year> when its XX/XX/year>. Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as on XX/XX/year> when it should be XX/XX/year>.

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 2025-07-20 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRAs for a Validation of Debt ; however, the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with.

Please copies of all supporting documentation attached : My drivers license, FTC complaint, Identity theft Affidavit, Equifax report showing my personal information exposed in their data breach, Copy of XXXX report showing my personal information exposed in the XXXX XXXX data breach, Utility Bill in my name and letters to all three CRAs asking them to block the inaccurate data from reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRAs for a Validation of Debt ; however, the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with.

Please copies of all supporting documentation attached : My drivers license, FTC complaint, Identity theft Affidavit, Equifax report showing my personal information exposed in their data breach, Copy of XXXX report showing my personal information exposed in the XXXX XXXX data breach, Utility Bill in my name and letters to all three CRAs asking them to block the inaccurate data from reporting.

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 2025-07-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Urgent Matter Regarding Fraudulent Charges I am writing to formally dispute several unauthorized transactions on my Barclays AAdvantage Aviator Red Mastercard account. I have previously contacted Barclays by phone at XXXX to report these fraudulent activities, ready to provide detailed information including merchant names, transaction dates, and amounts. A comprehensive list of these charges is attached for your reference. 
Despite my previous attempts to resolve this issue, I have not been able to contact Barclays to tell them of the fraudulent charges, they said someone from our office will contact you and gave me a case # : XXXX. Well that has been over a week and I have received no email or phone call. 
I unequivocally state that these charges are fraudulent. They originate from international merchants in locations such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, none of which I recognize. I did not authorize these transactions, nor did I receive any goods or services from these entities. Furthermore, I have attempted to contact the listed merchants, only to find that their websites are non-existent, further indicating their illegitimate nature. 
My attempts to escalate this matter via phone have been challenging due to excessive wait times ( often exceeding XXXX minutes ), language barriers, disconnections, and representatives stating that they do not know whom to contact. 
Given the clear evidence of fraud, I formally request that Barclays do an investigation immediately and reverse these unauthorized charges. I am prepared to provide any additional information or documentation required to resolve this critical issue. 
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 2025-07-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent XXXX XXXX account that appears on my credit file, allegedly opened in XX/XX/XXXX. I did not open this account, did not authorize its creation, and have never maintained any account with XXXX XXXX. I am a documented victim of identity theft, and I believe this account was established using my personal information, which was compromised in the XXXX Equifax data breach. As a result, this account is not only fraudulent, but the continued reporting and/or collection of this debt violates federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right to block all reporting of information that resulted from identity theft. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting immediate cessation of any collection activity and demand full verification, which you will be unable to provide as this debt is not valid. Moreover, under federal criminal law ( 18 U.S.C.

1028 & 1029 ), knowingly reporting or attempting to collect a debt that results from stolen identity is a criminal offense. Therefore, I demand that this fraudulent XXXX XXXX account be permanently removed from all credit reporting agencies ( Equifax, Experian, and TransUnion ), and that all collection activity related to it cease immediately. You are also directed not to sell, transfer, or reactivate this account under any circumstances. Please provide me with written confirmation within XXXX ( XXXX ) business days that this matter has been resolved, that the account has been deleted, and that no further action will be taken. If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney General 's Office, and I will pursue legal action for statutory and actual damages as allowed under the FCRA and FDCPA. Enclosed with this letter are copies of my government-issued identification, proof of address, my FTC Identity Theft Report, and supporting evidence confirming I was affected by the Equifax data breach, along with a copy of the credit report displaying the unauthorized account. I trust that you will handle this matter swiftly and in compliance with federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I had contacted Capital One twice pertaining this matter, XX/XX/year> and XX/XX/XXXX, XXXX. 

I have sent all relevant personal documents to help Capital One properly identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Solar Mosaic LLC
State: FL

Complaint narrative:
XXXX'15 USC 1681 Section 602 States I have the right to privacy.\n15 USC 1681 Section 604 A Section 2: It also states a\nconsumer reporting agency cannot furnish a account without my written instructions.\n13.8K\n15 USC 1666B: A creditor may n treat a payment on a credit card 456 account under an open end consumer credit plan as late fors,866 and purposeXXXXSolar mosaic LLC XXXX XXXX XXXX XXXX XXXX XXXXtried dispute want answer calls due to their bankruptcy issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid off account and reported incorrect late payments. XXXX XXXX XXXX XXXX XXXX XXXX correct balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to dispute this multiple time through XXXX XXXX as it is showing my balance XXXX \n\nPlease help assist and thank you.'

Company response to consumer: Closed with explanation