vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
Yesterday XX/XX/XXXX I received a voicemail from XXXX XXXX trying to reach me regarding my claim number which I knew nothing about first time hearing about it. Then provided a phone number XXXX the office handling the claim. I call that number which the lady gives me a different number to call XXXX which turns out to be Acima my original lease. They give me a new number to call XXXX which is the XXXX XXXX XXXX. They told me to call their XXXX XXXX XXXX which asked for my claim number and proceed to give me another number to call XXXX. That lady gave me another number to call which happens to be the very first number I called XXXX which turns out to be the company XXXX. The lady that picked up was XXXX XXXX. She proceeded to tell me that I need to pay {$870.00} or Acima is taking me to court. I told her I couldnt pay all that today and needed a payment plan. At first it was a no then put me on hold to talk to supervisor and suggested {$200.00} today XX/XX/XXXX then XXXX payments of {$160.00} bi-weekly. I agree to the plan and get an confirmation number from her and the phone call ended.. I recalled because she charge the wrong card for todays payment and I asked for an email confirmation so I have paper trail she tells me that I dont get an email confirmation until the full amount is paid. She said the amount coming out of my account with the name XXXX and the confirmation number she gave me was enough. All of this and I never got a letter in the mail from XXXX saying Acima sold them my account to collect and validate this debt. They did however reach out and call my wife and somehow my wifes ex husbands brother to contact me which he was furious considering I dont talk to him. It was just the voicemail I got left yesterday that started it all. Its just weird that XXXX wont provide paper trail of me paying off the loan until it fully paid. I call Acima to see if they get/got updates from them but apparently XXXX doesnt need to update them. Its sketchy that theres no documentation for our verbal agreement and I just pay blindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. I am formally requesting, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease all communication with me about this alleged debt, except as permitted by law. 
I do not wish to receive any further phone calls, letters, emails, or other contact from your office, your agents, or any affiliated parties. Any further attempt to contact me, other than to inform me of a specific legal action being taken, will be documented and may be considered a violation of federal law.

Please be advised that I dispute the validity of this alleged debt. If you believe you have legal grounds to pursue this matter, you may do so through the proper legal channels ; however, you are strictly prohibited from contacting me directly. 
Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Thank you for your prompt attention to this matte

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
I received a Pre-Sorted First-Class Mail notice claiming I owe {$33000.00} for my EdFinancial federal student loan. The letter uses my name and address, mentions the Department of Education, and offers loan consolidation assistance. My official EdFinancial account shows {$0.00} payment due and no delinquency. I never authorized any third party to access, use, or share my loan or credit information. This appears to be an improper use of my credit data in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I request that the CFPB investigate how this company obtained my information and ensure any unauthorized data sharing or misuse is stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a credit card with Capital One after receiving an offer for 0 % balance transfer for 15 months. 

I was approved for a credit limit of {$10000.00} - XXXX received an email stating I was approved and the emails states that I would receive 0 % apr on balance transfers for 15 months. 

However, when I went to transfer a balance a few weeks later, I am told I do not have that ability. Upon contacting the company I was told that " terms sometimes change '' and they " could not provide me with the information I was asking for. '' - Which was the reason I was not given the terms stated. 

I feel I was bait and switched and took damage to my credit rating by opening a credit line I will not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
This collection account from National Credit Systems is being reported inaccurately and without verifiable documentation. I have never received proper validation or proof that this debt belongs to me or that the amount reported is accurate.

Under the Fair Credit Reporting Act ( FCRA 602A, 611, and 623 ), all information on a consumers credit file must be accurate, complete, and verifiable. Because this account can not be verified through original documentation, it must be deleted immediately. 

Please conduct a full reinvestigation and remove this unverifiable and inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute regarding accounts added to this report. After reviewing my credit report and the furnishers response, I found that the account continues to be reported without full XXXX XXXX compliance. 

Specifically, key data fields required under the XXXX XXXX format are missing or incomplete ( including Date of First Delinquency, ECOA Code, Account Type, Terms Duration, and Open/Close Dates ). Additionally, there is evidence suggesting possible re-aging or manipulation of account dates to extend its reporting duration, which violates FCRA 623 ( a ) ( 5 ).

The furnisher has not provided proof of ownership or permissible purpose to continue reporting this account under FCRA 604, nor documentation verifying the accuracy of the data as required by FCRA 611 ( a ) ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Attempting to collect a incorrect debt that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To : XXXX XXXX TransUnion LLC Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account No. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX and the consumer reporting agencies listed above ( TransUnion, XXXX XXXX XXXX  ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : 1. Inform me that your collection or reporting efforts are being terminated ; or 2. Notify me that specific legal remedies may be pursued.

Any communication beyond these limited exceptions will constitute a violation of federal law.

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX XXXX  and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account No. : 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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XXXX XX/XX/scrub>XXXX XXXX  I checked my credit report due to the high usage on my credit card as a result of purchasing a home. I noticed that I have a collection on my report ; I opened it and it is from a debt collector company by the name of Credence Resource Management. They alleged that they purchase this debt from XXXX, which states that I owe them {$2100.00} from XXXX through XX/XX/year>. 
I have no knowledge of this ; this is not from me nor my spouse. I want XXXX, and Credence Resource Management to be held responsible for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XXXX of 2025 my monthly mortgage payment went up approximately {$400.00} without warning. I reached out to the company and they replied saying that there would be an estimated shortage in my Escrow account of {$2500.00}. I then asked for a breakdown of this estimate as it was not provided. I received this breakdown ( at the end of March ), however it did not explain why there would be such a large discrepancy in one year and, after doing the math, the extra charge was not needed to cover the required expenses. I shared this with them, they resent the same message ( in XXXX ) with no new information. I tried to ask again for more information and did not receive a reply. 

In an effort to aid in any increase, I personally reached out to my insurance company and disputed my taxes to ensure that an increase in escrow was not needed. I successfully worked with the County and XXXX to make this possible. 

Upon receiving the information from XXXX XXXX, I reached out again in XXXX to Mr. Cooper in an effort to reduce my monthly payment again. I uploaded documents to their portal for a tax evaluation and heard no word, so I then in XXXX sent a message in their center with the documents from the County ( I had not received a reply from the XXXX emails at this point ) All I received was a notice of receipt and then a notice that it was being forwarded to their tax department. After over a month ( now XXXX ) of no response I sent a follow up email to the provided contact. I got the same information of my request being sent to their tax department. 

It is now XX/XX/XXXX, and this issue has still not been resolved. I have been paying an extra {$400.00} a month on my mortgage, a total of {$3200.00} that has made my monthly expenses extremely difficult. Upon completion of this complaint I will be sending an email notifying them of this complaint to the contact provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
My account on Robinhood got hacked after I deposited XXXX XXXX XXXX XXXX XXXX  they restricted my account while hackers gained full acccess to my account which I cant because their security is working on my end but not hackers Robinhood claims they have my money in tact but on my end its depleted I have proof on website of log ins from other states fraud buying purchasing and fake staetments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Was called by a company who works for Acima leasing called XXXX. Upon the first call they told me they are looking for me and have someone in the state and county looking to serve me papers. I asked for information and more about the subject but they would not answer me questions except I need to pay a bill or Im going to be sued. I explained to them my finical struggles and would like to know more info. They kept pushing me and pushing me to make a payment or they will sue me and have someone show up to my house. As well this company has called and harassed me, my wife and even calling my mother multiple times to get a hold of me to get me to pay quickly. I have asked them to stop and they will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 
Your full name : XXXX XXXX Current address : XXXX XXXX XXXX, XXXX, XXXX  XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding MIDLAND CREDIT MANAGEMENT in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Indiana Without proof of ownership or a chain of title, MIDLAND CREDIT MANAGEMENT has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

3. A complete investigation by your agency into MIDLAND CREDIT MANAGEMENT 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : MIDLAND CREDIT MANAGEMENT Original Creditor : [ Original Creditor Name ] Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In early XX/XX/scrub>XXXX XXXX I noticed unauthorized transactions on my debit/credit card. I immediately called Chase bank to report the fraudulent activity. 

On or around XX/XX/scrub>XXXX XXXX XXXX I spoke with a representative who confirmed the charges were fraudulent and opened a dispute. They stated they would issue a provisional credit while conducting an investigation. A few days later, a provisional credit of {$1900.00} was posted to my account. 

However, around XX/XX/year>, the {$1900.00} provisional credit was removed from my account and I got paid from my XXXX XXXX {$590.00} Furthermore, the bank applied a charge that resulted in a negative account balance of - {$1300.00} and took out the {$590.00}. 

I called the bank the same day On XX/XX/scrub>XXXX XXXX XXXX  to ask for an explanation. The agent I spoke with informed me that the " merchant did not want to refund the money '' and that I needed to contact the merchant directly to resolve the issue. I contacted the merchant, who stated the dispute must be handled by my bank. 

I have called Chase on multiple subsequent occasions, Each time, I have explained the situation and stated that for an unauthorized transaction, the dispute should be between the bank and the merchant. On at least three separate calls, after I refused to accept that I must contact the merchant, the agent ended the call by hanging up on me. 

The bank has failed to properly investigate these unauthorized transactions as required, reversed a provisional credit without a valid explanation, created an unjust negative balance, and its representatives have repeatedly hung up on me when I attempt to resolve the issue. I am seeking a permanent credit for the full {$1900.00} and a proper investigation into the fraudulent charges.

Company response to consumer: Closed with explanation