vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an american express gift card worth {$1000.00} that was gifted to me 2 years ago. I can not use it at any online retailer or in store because I do not have the billing address information that is requested when making a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally request validation and verification of the alleged debt you claim I owe, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Collection Practices Act ( FCCPA ), 559. 

Please provide me with the following documentation : 1. The name and address of the original creditor. 
2. A complete breakdown of the amount claimed, including principal, interest, fees, and other charges. 
3. Proof that you are legally authorized to collect this debt, including a copy of any agreement or assignment from the original creditor. 
4. A copy of the original signed contract or agreement that created the debt ( if applicable ). 
5. Verification that the debt has not passed the statute of limitations for collection in the state of Florida. 

Be advised that until you provide this documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies, as required under both federal and Florida law. 

If you can not provide the requested information, I demand that you immediately delete this alleged debt from any and all consumer reporting agencies to which it has been reported and cease all further collection efforts. 

Please respond in writing to the address listed until validation is made Here is a Cease and Desist Letter you can send to a debt collector, based on your rights under the Fair Debt Collection Practices Act ( FDCPA ) and Florida Consumer Collection Practices Act To Whom It May Concern : This letter serves as your formal notice to cease and desist all communication with me regarding any alleged debt you claim I owe. Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), and the S.C Consumer Collection Practices Act ( FCCPA ), 559.72, I hereby request that you : Cease all phone calls, letters, texts, or any other form of communication with me, and Cease any further attempts to collect or pursue this alleged debt. 

Be advised that I am exercising my rights under federal and Florida law to stop all contact. Any continued communication from your office, except for legal action or written confirmation that collection efforts have stopped, will be considered a violation of the FDCPA and FCCPA. 

Take notice that if you continue to contact me after receiving this notice, I will document every violation and report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, and I will seek legal remedies as allowed by law, including monetary damages, attorneys fees, and court costs. 

You are also advised to not sell, transfer, or assign this alleged debt to any other party, or I will hold your agency accountable for any resulting damages. 

This is your final notice. Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 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:
Last 4 SSN : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX This agency is in violation of 15 USC 1692g . They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. 2. 3. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit reports by the following consumer reporting agencies : XXXX XXXX XXXX Despite multiple disputes and requests for investigation under the Fair Credit Reporting Act ( FCRA ) XXXX, these bureaus have continued to report the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are damaging my credit score and preventing me from obtaining financial opportunities. I submitted written disputes, and the credit bureaus failed to correct or delete the information within 30 days as required by law. Additionally, they did not provide a reasonable reinvestigation or explain the method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is erroneously and inaccurately reporting as 60 Day Late for XX/XX/year>. This is inaccurate and I have tried several times for Equifax to investigate and delete the 60 day late and update it to PAID - ON-TIME FOR XX/XX/year>. Equifax is in violation of the FCRA and I was recently denied a HELOC due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have unauthorized or fraud inquires on my equifax and transunion credit reports.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle a XXXX was repossessed from my girlfriends secured apartment garage in XXXX XXXX, XXXX  XXXX The garage requires fob access and is not open to the public. When the tow truck arrived, building security explicitly told the driver he was not allowed to enter the garage. Despite that, the driver waited for a tenant to open the gate and illegally entered the garage to take the car. 

This constitutes a breach of peace and criminal trespass, which violates California Commercial Code 9609 and California Penal Code 602. I confirmed with building security that they denied entry, and I have begun the process of filing a police report. The finance company has acknowledged the repo is under review, and I was told the president of the company would be reaching out to me within 72 hours. 

I am requesting the CFPB investigate this matter, as this repossession was carried out unlawfully. I am asking that the lender be held accountable, that any repo-related fees or deficiency balance be canceled, and that no negative credit reporting occur as a result of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Subject : Formal Demand to Correct False Information on My Credit Report Immediately To Whom It May Concern, This letter is a formal demand that you immediately investigate and rectify inaccurate and damaging information that you are currently reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I recently reviewed my credit report and was appalled to find [ describe the inaccurate information clearly e.g., an account from XXXXXXXX XXXX showing as 90 days late in XX/XX/scrub>XXXX XXXX XXXX which is completely false and not reflective of my payment history or account status. 

Let me be clear : This is a factual error. 
It is negatively affecting my credit rating and financial standing. 
You are legally obligated to ensure the accuracy of the information you report. 

Under the FCRA, you are required to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information within 30 days of receiving a dispute. I am enclosing the following documentation to support my claim : [ List documents : e.g., payment receipts, statements, correspondence ] You are hereby formally put on notice that failure to investigate and correct this misinformation within the legally required timeframe may result in legal action. I am fully prepared to escalate this matter through the appropriate regulatory channels, including the Consumer Financial Protection Bureau ( CFPB ), and to seek damages in civil court for negligent or willful noncompliance. 

I expect written confirmation of your findings and a corrected credit report within 30 days, as required by law. If you are the furnisher of this false information, you are also reminded of your responsibilities under FCRA Section 623 to report accurate data and to promptly notify the credit bureaus of corrections. 

I will not tolerate further negligence or delay. Take this matter seriously, and act accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form XXXX Omission Dear Federal Trade Commission , I am writing to file a formal complaint against Resurgent Capital Services XXXX which has recently contacted me in an attempt to collect a debt that was already dismissed by the original creditor, XXXX XXXX XXXX XXXX XXXX 

The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written off. Despite this, a collection agency is now pursuing payment. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. 

Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. 

I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. Also this debt has been on file for 7 years. I request that this matter be reviewed and investigated. 

Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. 

Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies XXXX, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX Account number XXXX Inconsistencies among account details unknown credit extension review vs collection No. of months of terms XXXX vs XXXX High credit limit varies Payment status collection vs late I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt collectors have submitted false, inaccurate, and unverifiable information to the credit bureaus.

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner.

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt collectors have submitted false, inaccurate, and unverifiable information to the credit bureaus.

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner.

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX Acceptances unethical practices related to my vehicle loan and refinancing experience. 

In XX/XX/XXXX, I obtained an auto loan through XXXX for a XXXX XXXX XXXX they purchased my previous loan. Since then, I have paid a total of {$19000.00}. However, due to the extraordinarily high interest rate, {$9900.00} of those payments have gone toward interest, and only {$9700.00} has been applied to the original principal of {$26000.00}. As of XX/XX/XXXX, I still owe a balance of $ XXXX more than the vehicles current value. 

In an effort to improve my situation, I was advised by XXXX that they could refinance my current loan with them so I applied for a refinance through your website, which accepted my application and has continued to show the status as 'processing. ' Despite this, I received no formal acknowledgment or confirmation of receipt. After placing several follow-up calls, I was eventually told that XXXX no longer offers refinancing. Still, I later received a denial letter in the mailyet my credit report shows no inquiry from your company, indicating my refinance application was never properly processed. 

This lack of transparency and misleading digital practices constitute a failure in fair lending standards. According to the * * Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) * * and * * Regulation B ( 12 CFR 1002 ) * *, lenders are required to provide timely communication and clear notice regarding credit applications. Failure to process or acknowledge my application and then later send a denialwithout inquiryviolates these provisions.

Additionally, I am now in the process of negotiating a settlement offer, only to be told that : - Settlements must be verbal only ( with no written acknowledgment or proof of submission ).

- Your system will not accept a reasonable offer of {$2500.00}.

- There is allegedly a policy prohibiting settlement offers less than 50 % of the balance.

I reviewed my contract thoroughly and found * * no such policy * *. I also formally requested a written copy of this supposed policy, which your representatives refused to provide. This violates principles of fair dealing and good faith outlined under * * Uniform Commercial Code 1-304 * *, which mandates that parties must act in good faith and deal fairly in all contractual matters.

Given the extent of payments made and the vehicles current value ( ~ {$5900.00} ), I made a good-faith settlement offer. Flagships refusal to acknowledge it in writing or accept a reasonable amountdespite clear evidence of overpayment and interest gougingdemonstrates predatory practices.

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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX XXXXXXXX and One Main I am enrolled in a program with XXXX XXXX XXXX XXXX and I intend to pay my debt as soon as my program negotiations are ready and the calls are ridiculous and i would prefer them to STOP!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I have discovered unauthorized names, adresses and employers on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 

Name - XXXX XXXX Addresses - XXXX XXXX XXXX XXXX la XXXX - XXXX XXXX XXXX XXXX tx XXXX Employers - 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 2025-07-12 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: LA

Complaint narrative:
I have discovered unauthorized names, adresses and employers on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 

Name - XXXX XXXX Addresses - XXXX XXXX XXXX XXXX la XXXX - XXXX XXXX XXXX XXXX tx XXXX Employers - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief