vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Re : Cease and Desist Fraudulent Account / Harassment To Whom It May Concern, This letter serves as my formal notice to Cease and Desist all forms of communication, including but not limited to emails, calls, and any contact with third parties, regarding the alleged account you have associated with my name. 

I have no contract, agreement, or obligation with your company. 

This alleged account is fraudulent and unverified. 

Your continuous harassment through emails and communications is a violation of my rights. 


Federal Protections Violated : XXXX. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) You must provide verification of any debt before reporting or continuing collection activities. Failing to do so while furnishing information to credit bureaus is unlawful. 


XXXX. Uniform Commercial Code ( UCC 1-308 ) I reserve all rights without prejudice and do not waive any rights under contract law. 


XXXX. Gramm-Leach-Bliley Act ( GLBA / GAP ) You are prohibited from sharing or mishandling my private and personal information without authorization. 



Demand : Immediately Cease and Desist all communication with me regarding this fraudulent account. 

Stop furnishing or reporting false information to the credit bureaus. 

Provide documented proof of any alleged contract bearing my wet ink signature, or permanently remove any reference to me. 


Failure to comply with this request will result in formal complaints being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the State Attorney General for further legal action. 

You are hereby put on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: NE

Complaint narrative:
Checked my credit report today and noticed a delinquent " derogatory '' account for {$100.00} from a company simply labeled as XXXX. I have no idea what this debt is, who it's from, never validated the debt and was not notified. My report says the account was opened in XX/XX/year>. 

It is actively harming my credit report and I don't even know how to contact them to ask about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request a thorough review of these entries. If they can not be verified as accurate, they must be removed.

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 2025-09-20 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: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

1. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


2. Incorrect Employers :. My correct Employer is : XXXXXXXX XXXX XXXXXXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
I failed a complaint for cash app. Ive had situations to where I was scammed and asked for my money refund and I couldnt get that and now today its my birthday and I have money on a business account. I have two accounts. I have a business account and I have a regular account and Ive asked Cash app to give me the resources to get that account back and the person I talked to just hung up in my face and said I need to talk to my sponsor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened a XXXX account in late XX/XX/XXXX. XXXX immediately advertised a {$50000.00} day-one deposit limit. I deposited {$10000.00} on XX/XX/XXXX and another {$10000.00} on XXXX. 

On XXXX, after the first hold cleared, I purchased XXXX ( XXXX, XXXX, XXXX ) and successfully transferred a {$100.00} XXXX test transaction to my own wallet. When I attempted transfers of {$1000.00} and {$2000.00}, XXXX restricted my account. On XXXX, they closed my account without notice, force-liquidated my crypto holdings at a loss, and told me my deposits would be returned in 30120 days. 

My bank ( XXXX XXXX  XXXX has confirmed XXXX reversals clear in XXXX business days, and there are no pending returns. XXXX continues to withhold my funds and only sends template replies. 

Case IDs : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX Subject : CFPB XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding a debt collection account being reported by Midland Credit Management , Inc . The account is related to an alleged debt from XXXX XXXX  XXXX XXXX XXXX in the amount of {$1000.00}. 
I formally requested validation of this debt in writing. Midland Credit Management responded but failed to provide sufficient documentation required under the Fair Debt Collection Practices Act ( FDCPA ), such as a signed agreement, detailed itemization of the balance, or proper documentation proving they have the legal right to collect this debt. Despite this, the account continues to be reported on my credit reports. 
I believe this is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I am requesting that the Consumer Financial Protection Bureau review this issue. 
Requested Resolution : - Immediately remove the account from my credit reports ( XXXX, XXXX, XXXX  )- Require Midland Credit Management to provide full legal validation if they wish to continue reporting - Enforce compliance with the FDCPA and FCRA Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TN

Complaint narrative:
I applied for a new car and learned that I have negative items.

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 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received 7 emails from US Bank on XX/XX/XXXX between XXXX and XXXX regarding applying for 2 Savings accounts and 1 checking account, approval of those 3 accounts and lastly an alert stating the email on the accounts have changed. I went in person to the US bank at XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX CA XXXX a Client relations consultant at the bank who helped me file a fraud claim. She contacted the fraud department via phone, and I went through the process over the phone at the bank. The above accounts were frozen " forced closure '' at approximately XXXX today XX/XX/XXXX. The Fraudster used my name, phone number, DOB, email address, SSN and driver 's license number to open the fraudulent accounts.

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 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MMRR Finance, d/b/a Cash Loans Direct
State: TX

Complaint narrative:
I had taken a payday loan from cash loans direct. This payday loan was for {$450.00} dollars. I had signed up for the amount owed to be paid every two weeks. They ran my card only a week later when I had no funds this causing payment to be late. I have been late on payments only twice. Ive contacted them and they told me theres a {$7.00} late fee plus an additional {$30.00}. They ran my account every week to make up for missed payments. When I called today they told me none of payments, have counted towards payback because I was late. My bank records show they are running ACH on my account. Ive spent {$1700.00} in total when pay back wasnt even near the amount. This is unjust and they are robbing my account without permission now. They told me since I was late they have to restart the loan each time. I dont feel this is legal and Id hope this wouldnt happen to anyone else. They said I still owe {$500.00}. And it will be taken out of my account, they said by law they can do this? I dont believe this very lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RRD Financial LLC
State: NJ

Complaint narrative:
This letter serves as a formal and final demand for the immediate deletion of the XXXX XXXX tradeline that is presently being reported as an Involuntary Repossession. 

Account Details : Creditor : XXXX XXXX Account Type : Auto Loan / Installment High Credit : {$34000.00} Reported Balance : {$14000.00} Status : Involuntary Repossession Legal Grounds for Deletion This tradeline is incomplete, unverifiable, and materially misleading. Reporting a repossession without full documentation of notice, deficiency balance calculation, and lawful compliance constitutes a direct violation of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Duty to reinvestigate disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of any information that is inaccurate, unverifiable, or misleading.

Non-Negotiable Demand I am not requesting a correction or an update. I am demanding permanent deletion. Updating this account to show paid, closed, or any other derogatory status is not an acceptable resolution, as the account will remain damaging and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Sure! Heres a more concise and polished version of your essay. Ive kept the main points intact while improving clarity and flow : Essay : Dispute Resolution with XXXX Villas On XX/XX/XXXX, I received an email with a balance forward statement that I believed was incorrect. After reviewing the charges, I immediately contacted XXXX XXXX by phone, but was unable to speak to anyone who could help resolve the issue. I then responded to the email, explaining that the amount was wrong and requesting that someone contact me as soon as possible to discuss the matter. Unfortunately, I did not receive a response until XXXX or XX/XX/XXXX, when I was finally asked to provide evidence supporting my dispute. 

I sent photos from my camera roll, including images of the apartment taken on the day I moved in, which showed damages already recorded on my inspection list. The property XXXX had insisted that I provide this inspection list, as it was a requirement for the move-in process. I submitted my evidence promptly, but I received no update regarding my dispute until XX/XX/XXXX, when XXXX XXXX asked for additional information to support my case. I responded on the same day, providing further details and additional documentation. 

Despite sending the requested information, XXXX XXXX continued to send me notifications about the outstanding balance, even though their office phone was never answered. I didnt receive the final notice about the balance until XX/XX/XXXX, which claimed they had attempted to contact me, but again, I had received no response regarding my dispute. 

At this point, the matter was handed over to a third-party collections agency. I immediately forwarded my dispute to the FCO ( Fair Credit Organization ) on XX/XX/XXXX, requesting a review of the debt and an adjustment based on my evidence. Unfortunately, I received no response from FCO. I also attempted to settle the debt with the collections agency, but they required approval from XXXX XXXX to proceed with any settlement. The property refused to provide the inspection list and supporting documentation to the collections agency, further hindering my efforts to resolve the matter. 

Its clear that I was charged for normal wear and tear, which I am not responsible for. I have repeatedly requested a copy of the inspection list and supporting proof to review and adjust the charges, but to no avail. This ongoing lack of communication and transparency has made it extremely difficult to reach a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was solicited for credit boosting services via email. I finally reached back out asking about how to purchase and was sent the info on how to go about doing so. After I went inside and made a deposit to XXXX XXXX via BOA, I then emailed them the deposit confirmation. After the deposit was confirmed, I was sent another email stating that the process had began and I should see the credit boosting via my reports within XXXX of the statement date of posting. I did everything I was instructed to do, to get best results possible but I still didnt get results after XXXX weeks! I then decided to reach out and inform them, they insisted after confirming the lines didnt post, they would replace. But instead of replacing, they sent more lines they wanted me to pay more money for as if the reason the line didnt post, was because of me!! I reached out and insisted that I would not be sending more money seeing that I am not the reason this is happening! The email responses from them slowly stopped and no one is responding to my emails during business hours! Ive told them I cant afford to send them more money, as that is out of my financial ability right now. I asked them to refund me or replace the line and theyve stopped communicating! Ive already filed a complaint with FTC and told them that I will be going to BANK OF AMERICA where they hold their business account, to make them away of them talking proceeds and providing the services as promised. To ask for more money after your service were not guaranteed as promised, is insane and immoral! They insisted that it had to be a replacement and that all the ones they had, would cost me more money! I told them to keep me on the one I paid for, that way more money isnt needed and they told me it had to be a different replacement line that would cost more money. I was told I was not added to the line because I didnt send more money!

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 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC
State: KS

Complaint narrative:
I applied for a XXXX loan with ninja card and got accepted for {$500.00} I tried XXXX different bank accounts that would've met ninja cards verification process. But it denied me the last 4 times I applied then had to wait 7 days to apply again after each time. I called XXXX separate times in 3 days each call they promised me someone would call me back and they didn't. Then the only communication they provided was an email stating I didn't get approved because of my bank info. There was one nice lady out of everyone that I spoke with that made me feel heard and she did actually try to resolve my problems. The other people blew me off and wouldn't give me an explanation why I was being denied or even be able to find my account for some reason so they'd hang up.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: InDebted Corporation
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I do not owe any debt to XXXX in the amount of {$410.00}, or in any amount. 

On XX/XX/XXXX, I filed a lawsuit against XXXX ( XXXX XXXX. XXXX, filed in XXXX XXXX Courts ). On XX/XX/XXXX, we entered court mediation, during which both parties came to a binding agreement that the alleged debt would be removed from my credit reports. XXXX complied, and as part of the agreement, both parties dismissed the case after signing the terms. 

Therefore, no such debt exists. 

This letter serves as my final cease and desist notice. You are to immediately stop all collection activity and refrain from placing any reference to this alleged debt on my credit reports. 

If you disregard this notice and attempt to report or pursue this invalid debt, I will file a civil lawsuit in XXXX XXXX Courts against XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable laws. 

I expect your full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
This company is calling my phone back to back and texting throughout the night and calling a business phone multiple times throughout the day. I cant work because the calls are coming back to back. I have a list of all the calls and text throughout the day. XXXX calls at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Initially, on or about XX/XX/year>, I was contacted by XXXX XXXX XXXX about a XXXX XXXX debt that did not belong to me due to ID Theft. I sent a copy of my FTC report on XX/XX/year> and XXXX XXXX, a manager with XXXX XXXX XXXX acknowledged my email and stated the account was removed. Well a little over a month later, I think XXXX XXXX XXXX sold the account to Williams Rush & Associates ( acct XXXX ) and now I have a collection on my credit report from the same XXXXXXXX XXXX fraudulent account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: AL

Complaint narrative:
They havent received money and now its showing up on my credit report. I also never received mail notifying me of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Collectors make repeated phone calls either multiple times in a single day or on consecutive days. Calls are conducted solely either before XXXX XXXX or after XXXX XXXX 
Collectors also participate in the use of threatening or abusive language.

Debt collectors have issued threats of arrest, legal action, wage garnishment, or property confiscation, even though they lack the required legal authority to carry out such actions.

Collectors have falsely portrayed themselves as law enforcement officers or attorneys and have incorrectly asserted that I owe a sum exceeding the actual amount due.

Debt collectors have improperly reached out to third parties, such as my family and friends, through phone calls or messages to address the debt.

Debt collectors are infringing on my consumer rights by failing to validate the debt following my formal request and by reporting it to credit bureaus without properly marking it as " disputed. '' Additionally, they are employing intimidatory or coercive tactics, such as threatening to harm my credit rating unless immediate payment is made.

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