vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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/1995 ), 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 those in the attached reports. 
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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am filing a complaint against FirstPoint Collection Resources and XXXX  for continuing to report an inaccurate, misleading, and stale collection account involving XXXX XXXX, originally delinquent on XX/XX/XXXX. 

This account was assigned to collections on XX/XX/XXXX, yet XXXX  lists the Status Date as XX/XX/XXXX, which is an illegal attempt to re-age the debt and extend its life on my credit report in direct violation of FCRA 605 ( a ).

The debt is over 4 years old, well past North Carolinas 3-year statute of limitations ( N.C.G.S. 1-52 ) for collecting debts, yet it is still reported as UNPAID without a single itemized breakdown or contract. No date of last payment is shown. No interest. No terms. Nothing.

I have previously disputed this account, and XXXX flags it as such yet no changes, deletions, or documentation have been made. This violates : FCRA 611 ( a ) failure to conduct a reasonable investigation FCRA 1681e ( b ) failure to ensure accurate and complete reporting FDCPA 1692g ( b ) failing to validate the debt after dispute N.C.G.S. 75-54 and 75-55 deceptive or misleading collection practices This is false credit reporting and debt harassment disguised as compliance. The age of the debt, the vague reporting, and the re-aged status date prove this is a deliberate tactic to hurt my credit and pressure me into payment.

I demand that this account be permanently deleted From all three agencies I am also requesting a corrected credit report be sent to me, and a full investigation into FirstPoints pattern of re-aging and misreporting accounts beyond their legal limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I called and spoke to a representative name XXXX on XX/XX/year>. She told me if I made a payment of {$1400.00} and since there was $ {$720.00} in my suspense budget my account would be current. I ask her twice if she was sure about this she said yes and I expressed to her how happy I was to have my account bought current. I just lost my mom even though I did not expressed that to her. I made the payment as discussed. I started receiving notices that I was behind called and spoke to a representative and his supervisor who listen to the call and informed me the information I was given was wrong and they would have a conversation with XXXX did not write names down was to upset. I expressed they made the mistake and what was told to me should stand of course they refused informed me my payment was behind and late. Since then I have not been able to bring my account current by that XXXX month and late charges are piling up which should not be. I did exactly what was talked about in good faith as they should too. I do not like this company my loan was transferred to them. I made many calls to them with no answer just kept trying next time I will write dates and times down. I sent a complaint letter 2 months later or more received back wrong address. Also filing letter with Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX  reinserted a previously deleted account from LVNV FUNDING LLC ( Account XXXX  ending in XXXX ) into my credit report without notifying me within XXXX business days, as required by FCRA 611 ( a ) ( 5 ) ( B ). This account had been previously removed, and I received no written notice or supporting documentation about its reinsertion. 

I am requesting immediate removal of the account or full documentation proving that proper reinsertion procedures were followed. Please review the attached dispute letter, ID, and credit report extract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received XXXX separate debt collection notices for the same {$22.00} amount allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX was from XXXX XXXX XXXX, and the other from Sunrise Credit Services. 

I contacted XXXXXXXX XXXX XXXX directly on XX/XX/year>. They confirmed that while there was a final bill of {$54.00} after I moved out of my service address, the balance had been written off and not assigned or sold to any third-party collection agency. They stated clearly that XXXX XXXX XXXX does not engage collection agencies for small balances like this. 

I sent a certified debt validation request to XXXX XXXX, disputing the claim and requesting proof of the debt, a copy of the original bill, and documentation showing they were authorized to collect. I received no verification in response. Then, a second agency, Sunrise Credit Services, sent me a nearly identical collection notice for the same balance. 

I believe this is an attempt to collect a debt that is not legally owed, and that my personal information is being passed around or resold without consent. I am asking the CFPB to investigate both collection agencies, ensure the debt is removed from any records or credit bureaus, and stop further attempts to collect.

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 2025-08-02 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: GA

Complaint narrative:
I have recently reviewed my consumer report and noticed these fraudulent accounts reporting on my behalf. These accounts are fraudulent as I did not authorize these accounts to be opened on my behalf. Since, this is a form of identity theft I ask that the accounts be removed off of my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Spring Oak Capital, XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : CEASE AND DESIST & FORMAL REQUEST FOR VALIDATION OF DEBT Account Number : XXXX Balance Reported : {$620.00} To Whom It May Concern : This letter serves as both a formal dispute and Cease and Desist notice regarding the above-referenced account, which you are currently attempting to collect. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692c ( c ).

Cease and Desist Demand You are hereby instructed to cease all communication with me concerning this alleged debt. This includes but is not limited to : phone calls, voicemails, emails, text messages, and mail. You may contact me only once more to inform me of any intended legal action or to confirm that your office will cease collection efforts. 
Any additional contact will constitute a violation of federal law and will be documented accordingly.

Debt Validation Demand As required under 15 U.S.C. 1692g, I formally request full and complete legal validation of the alleged debt. Please provide the following : A copy of the original signed agreement or contract establishing the alleged obligation.

A complete and itemized accounting of the {$620.00} balance, showing all interest, charges, fees, and payments. 
A transaction history or flow sheet from the original creditor. 
Full proof of assignment or legal transfer of the account to Spring Oak Capital, including chain of title.

A copy of your collection license for the State of Illinois.

The name and title of the individual who verified this account for credit reporting.

A bill, invoice, or payment summary is not acceptable validation under the FDCPA. Failure to provide the documents listed above will be considered non-compliance. 
Legal Action Warning If you are unable to validate the debt, or continue reporting it to any credit bureau, you will be in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ).

Should you fail to comply, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Contact the Illinois Attorney Generals Office Pursue civil action for statutory damages under the FDCPA and FCRA You have 30 days from the receipt of this letter to provide the required validation or remove the account from all credit reporting agencies. 
Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: HI

Complaint narrative:
I have been unable to start working as a driver with XXXX due to a background check processed through Checkr that has remained in a pending status since early XXXX ( approximately XX/XX/year> ). 

The background check includes incorrect personal information specifically listing the wrong ZIP code ( XXXX, which is in XXXX  ) even though I reside in XXXX, XXXX  ( ZIP XXXX ). I believe this location mismatch is causing unnecessary delays, especially since background checks involving California can trigger slow manual reviews. 

I contacted Checkr multiple times and was told they could not modify the report unless the requesting company ( XXXX ) initiated a correction or new background check. I then contacted XXXX, who told me they can not start a new background check because the existing one is still pending. This has created a deadlock where neither party will take action, and the background check has now been stuck for nearly two months. 

During this time, I have not been able to earn income through XXXX and it has caused significant financial hardship. I even have a completed background check from XXXX ( also processed by Checkr ) that shows a clear status, further confirming that I meet the requirements. 

I am requesting that Checkr be required to either : - Correct the incorrect ZIP code and location in the report ; OR - Cancel the current XXXX report so XXXX can submit a new one. 

This situation is unreasonable and has directly impacted my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
Reliacard for us bank dont want make me payment for stolen money in my card

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX IQ Data International , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX RE : CEASE AND DESIST & FORMAL REQUEST FOR VALIDATION OF DEBT Account Number : XXXX Balance Reported : {$290.00} To Whom It May Concern : This letter serves as a formal dispute and Cease and Desist demand concerning the above-referenced account, which your agency is attempting to collect. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692c ( c ).

Cease and Desist Demand You are hereby directed to cease all communication with me immediately regarding this account. This includes, but is not limited to, phone calls, text messages, emails, mailings, or any other form of contact. You are legally permitted only one final communication notifying me of intent to pursue legal action or that you will cease collection efforts.

Any contact beyond that point will be considered a violation of federal law.

Debt Validation Demand Under 15 U.S.C. 1692g, I am demanding full and complete legal validation of this debt. Please provide the following documentation : A copy of the original signed agreement or lease that allegedly created this obligation. 
A full itemized statement of the {$290.00} balance, including all charges, interest, and payments. 
A complete account flow sheet or transaction history from the original creditor. 
Documentation showing legal assignment or transfer of ownership to IQ Data International.

A copy of your collection license for the State of Illinois.

The name and credentials of the individual who verified this debt for credit reporting purposes. 
Billing statements, invoices, or payment reminders are not sufficient. These do not qualify as proper validation under 15 U.S.C. 1692g.

Legal Action Notice If you are unable to provide the required documentation, the account must be immediately removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. Continued collection or reporting without proper validation violates the FDCPA and the FCRA 1681s-2 ( b ).

Failure to comply will result in : A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report submitted to the Federal Tra
de Commission ( FTC ) A complaint lodged with the Illinois Attorney General 's Office Potential civil legal action for violations of the FDCPA and FCRA You have 30 days from receipt of this letter to validate or remove the account. 
Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I presented Citizens clear evidence of fraud against my account and I was basically told I was a XXXX. I initially called in about credit fraud ( multiple XXXX XXXX charges across the country ) and spoke to a rep. They assured me that everything was taken care of and I had nothing to worry about. I was given a confirmation number. 

XXXX days later I called again after hundreds more dollars in fraudulent charges popped up. I was told that the XXXX rep did nothing and not to worry it would be taken care of. The rep said again this was fraud. I was given a second confirmation number. 

Hours later I called again after I saw a few hundred dollars more in charges appeared. Turns out the XXXX rep locked down my card ( not compromised ) and not my wifes card ( compromised ). 

After all of that, XXXX call ins to get this situation handled, I was told no.that the phone number used in conjunction with the card was correct so Citizens was not giving back the money that was fraudulently taken. 

Citizens. What sort of customer calls XXXX TIMES to get a fraud charge handled if the customer is the one committing the fraud?! 

Oh.and XXXX FRAUD ALERTS WHILE THIS HAPPENED. 

The bottom line is thisthe complete incompetence from Citizens bank in failing to provide fraud alerts COUPLED WITH the utter failure to handle the issue when I first called absolutely negates the weak excuse of a phone number. 

Worst bank ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: LEXISNEXIS
State: GA

Complaint narrative:
An address match alone is not sufficient legal justification to associate a bankruptcy with my personal credit file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and consumer reporting agencies to ensure the maximum possible accuracy of the information they report. You have failed to provide any verifiable documentation directly linking me to the bankruptcy case in questiononly a weak association by address, which is not acceptable under federal law. 



I am now escalating this matter and have retained legal counsel to pursue potential legal action against LexisNexis for defamation, negligence, and willful violation of my rights under the FCRA. If this record is not removed immediately and all parties notified of its inaccuracy, I will proceed with a formal lawsuit and will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I dispute this debt in its entirety and formally request that you provide full validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, please be advised that this alleged debt was included in my XXXX XXXX XXXX. As such, any attempt to collect on this debt is a direct violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ).

Additionally, if the alleged debt is of medical origin, I remind you that your agency has no legal access to my private health information without my express written authorization under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ). Therefore, unless you possess legal documentation that proves this debt is valid, belongs to me, and is not subject to bankruptcy discharge, you must cease all collection activities immediately.

Specifically, I request the following : 1. The name and address of the original creditor ; 2. A copy of the original billing agreement or signed contract proving I owe the debt ; 3. A full breakdown of the alleged amount, including fees and interest ; 4. Evidence that you are legally authorized to collect on behalf of the original creditor ; 5. Proof this debt is not subject to my bankruptcy discharge.

Until such documentation is provided, you must cease all collection efforts and remove any reporting from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Bankruptcy Court.

I also demand that you cease all calls to me regarding this matter. All communication must be in writing only.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I discovered a collection account in the amount of {$1500.00} reported by Midland Credit Management. I have never applied for or owned a credit card, and I have no knowledge of this account. I believe this is a case of mistaken identity or fraud. 

Additionally, Midland Credit Management never contacted me to notify me of this alleged debt or provided any opportunity to validate or dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Under this law, a debt collector must send a written notice of the debt within five days of the initial communication. In my case, I was never contacted at all.

I also believe Midland violated 15 U.S.C. 1692e ( 8 ) of the FDCPA by communicating false credit information to the credit bureaus. Reporting a debt that has not been verified, and which is not mine, is materially misleading. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. 1681s-2 ( a ), a furnisher of credit information must ensure that what they report is accurate and must correct any errors once notified. Despite this obligation, Midland has continued to report this false information without offering proof or removing the entry. 

In Massachusetts, these actions also violate XXXX CMR XXXX et seq., which prohibits debt XXXX from pursuing debts that are disputed and not validated, and XXXX. XXXX XXXX, which prohibits unfair or deceptive acts or practices in trade or commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I was trying to purchase my home when i saw these debts in my file deformation of my character i found out i was also i part of a data breach i enclose the information below.

Company response to consumer: Closed with explanation