vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom it may concern, I am writing in regard to the above-referenced account, which you allege is associated with me.This letter serves as a formal dispute of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of this debt, including : - Proof that I am legally obligated to pay the debt ; - The name and address of the original creditor ; - A complete payment history ; - Documentation bearing my signature ; - Any additional evidence supporting your claim. Until you provide proper written validation, you must cease all collection activity. Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this alleged debt, except as permitted by law specifically:XXXX. To confirm that you will cease further communication ; or Page XXXX of XXXX Page XXXX of XXXX. To notify me of specific legal actions you intend to take. Any further attempts to contact me outside these exceptions will be considered a violation of federal law. If such violations occur, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, and I reserve the right to pursue civil action. Thank you for your prompt attention to this matter above. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Heres the item on asking you to verify is accurate. 

XXXX XXXX Account number-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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Put in claim for 3 teller withdrawals, with affidavits and police reports provided : 1. XX/XX/XXXX {$3000.00} checking acct 2. XX/XX/XXXX {$4500.00} Savings acct 3. XX/XX/XXXX {$2000.00} Savings acct Initial claim on all 3 items on XX/XX/XXXX to Citi XXXX ; follow up with branch on XX/XX/XXXX - closed accounts, filed affadavits ; Affidavits refiled XXXX by myself to XXXX ; Got first denial on item # 1 on XXXX, disputed on XX/XX/XXXX, requested police report, sent on XX/XX/XXXX ; I also got a call from on XX/XX/XXXX from an investigator saying he had pulled the tape on item 1, and it clearly was not me, and that he would put it into his report. Also got a letter from the fraud dept on XX/XX/XXXX denying the claim for the second time. This claim was reopened on XX/XX/XXXX at the behest of the Branch Manager ; no further info received. 
When asked on a call from the fraud dept XX/XX/XXXX why I hadnt heard anything about the other 2 items, the response was what other 2 claims? At which time they made a new claim and started the clock ticking from then on. A letter came on XX/XX/XXXX denying this claim.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
XXXXXXXX  is reporting an account on my TransUnion credit report that I do not recognize or have any knowledge of. I never opened an account with XXXX and I am not aware of any contract, application, or agreement bearing my name or signature. I disputed this item with TransUnion, but the furnisher has continued reporting without providing proper validation. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate, verifiable, and substantiated. XXXXXXXX has failed to provide any evidence that I am responsible for this account. This negative reporting is harming my credit and preventing me from accessing fair credit opportunities. 

I am requesting that CFPB investigate this matter and require XXXX to either : 1. Provide full documentation proving the account belongs to me, OR 2. Immediately delete this unverifiable account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Experian reports - XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Equifax reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXXXXXX XXXX opened XXXX with the following account number XXXX for {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
As of XXXX I notice a false derogatory item on my credit report for the amount of XXXX. Additionally, I would like to implement The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The information on my credit report is false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request the removal of fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Unauthorized accounts have been opened in my name without my knowledge, permission, or consent. These accounts do not belong to me, and I am not responsible for any balances, charges, late payments, or negative impacts associated with them. 
The fraudulent accounts include : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial is showing on my credit report and is reporting missed payments while an open investigation with them is pending. I never went to XXXXXX/XX/XXXX XXXX. I have no documentations of graduating or receiving a degree from this school. I opened an investigation with Edfinancial and awaiting closure on this account because there is no account details available when I sign into the profile. Also, the school I attended was XXXXXX/XX/XXXXwhich closed and I was informed my loans were paid. No information about a transfer or details were sent to me and no one from XXXX XX/XX/XXXXcontacted me with any documentations, no new diploma with credits or transcripts for this school with my name on it exists. 
While this investigation is pending there should be nothing being reported on my credit report damaging my credit. This debt was removed several times from my credit and is now back on my credit with false details of me attending a school I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding an {$8500.00} collection account first reported around XX/XX/XXXXby a third-party collection agency for a rental-related balance. The company has never provided a contract, original agreement, transfer documentation, itemization of the amount, or any legally required validation. 
The dates, balance, and information are inconsistent across the credit bureaus. 
I am requesting that the CFPB require the company to provide full validation, including original records, or delete the account if the company can not verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX I was going through a divorce and was trying to get a loan for a mortgage on a new home I would be buying. On XX/XX/XXXX I was notified by my mortgage lender that my loan was being denied because there was an outstanding balance on my credit report that negatively affected my credit score. I have always had great credit so I was obviously surprised by this.Once they sent me a copy of the report I saw the name of the creditor and found a number to call about this fraudulent charge. I believe at that time it had been purchased by a collection agency XXXX XXXX XXXX. I called them and explained how this credit card could not have been taken out by me because the address they had with the account was in XXXXXXXX XXXX  and I have lived my entire life in XXXX  At that time they said they would do an investigation and get back to me. I also contacted XXXX to file a dispute with them as well. After a few weeks I noticed the balance had been removed from my credit report and I was able to successfully receive a loan for my new home. I never heard from anyone again and closed on my new home on XXXX XXXX. I had assumed at that point the case was settled and moved on with my life. then at some point in XXXX I received information that a lawsuit was going to be filed against me for not making payment to this. So I called the collection agency again and was told I was supposed to have filed a report with the FTC and or the local police department for identity theft. I had no idea this was needed. So I then did file with my local police department and tried to file with the FTC but the government was shut down so I could not. I am now finally filing this complaint now that it is back up and running. Hopefully this will assist me in not having to be responsible for this account that was opened fraudulently in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX I was in the middle of an active bankruptcy when my mortgage company filed for a foreclosure. Then I was charged {$700.00} for their illegal foreclosure during my active bankruptcy case. I was then falsely lied on about not paying my mortgage which the mortgage company had mailed my payments back. Finally, they had requested that my active bankruptcy be kicked out for nonpayment. I had not missed any payments since XXXX. That was 10 years of not missing a payment. After my bankruptcy was restarted I then resumed my payments that were set in XX/XX/XXXX at {$390.00} per month by ShellPoint. This amount was confirmed by the Judge when I had my confirmation. So in XXXX I sent the payment of {$390.00}. But my XXXX payment was set at over {$2000.00}. I struggle to pay it but I did. Every time I pay my mortgage is via certified check via FedX on the XXXX of the month. However, for XXXX they charged me over {$350.00} late fees/month. ( Is this legal? ) And the total amount that was now due was over {$3000.00}. XXXX. It had went up to {$4000.00}. Since then ShellPoint has filed with the Bankruptcy XXXX that I can not afford to pay my mortgage. My mortgage has been paid every month since then for the {$1100.00} which is the true current amount that I was quoted after filing my bankruptcy. I am constantly being harassed by the sharks that are swimming in the water begging me to sell now at less XXXX of what my mortgage has been paid over the last XXXX years. They are texting, mailing, and knocking on my door. Last month I was getting in my car with my children and they yelled out for me to sell now or be evicted. My children never even knew about my XXXX  years of struggle with the mortgage. I truly see this as an assault on my children and myself. Now my children and I are constantly living in fear. In XXXX I locked in the rate of XXXX % but when XXXX XXXX took over they had charged me at the rate of XXXX  % for over XXXX years. I borrowed {$77000.00} initially. But at this rate I would be over XXXX XXXX XXXX before I can own my home. And when I asked for copies of the original documents that I signed at the table. XXXX XXXX forged documents and signatures. I eventually found my original documents. I sent them to you. As a matter of fact if you can review all of the previous complaints you will understand the years of terror that I have been through. I truly believe that I should have paid of my mortgage after XXXX years at the rate of the mortgage was signed in XXXX. XXXX XXXX has a history of fraud, mortgage manipulation and stealing from the hard working people. Please I pray that you get a independent forensic accountant to review this mess of a mortgage. I definitely dont trust anything that anyone from Shellpoint or other financial institutions says or does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
XX/XX/XXXX - Sent 2 certified formal dispute letters regarding the alleged student loan debt MOHELA agency claims I owe and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The final items were requested ( 1 ) Complete Chain of Custody and Legal Assignment, ( 2 ) Original Signed Master Promissory Note ( MPN ) with verifiable wet signature or authenticated digital signature logs, and ( 3 ) Detailed Itemized Statement and Balance Calculation. The dispute letter was documented as a final notice stating, " Until and unless your agency provides proper and complete validation, you must immediately cease all collection activities and suspend reporting of this account to any consumer reporting agency. Unless and until all requested documentation is provided, I do not acknowledge any liability or obligation regarding this alleged debt. You must : Cease all collection activity Remove or suspend any credit reporting Refrain from further contact, except to comply with this request Any attempt to continue reporting or collecting without providing the above may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I also reserve the right to pursue legal action for any violation of the FDCPA or FCRA '' Received a letter in the mail dated XX/XX/XXXX stating my request had been received and is expected to be processed within the next XXXX business days ( XXXX  days was given in the dispute letter request ). Then received a letter dated XX/XX/XXXX titled " Loan Update '' even though my request clearly noted, " refrain from further contact, except to comply with this request ''. There has been no contact since. 
/ I filed a complaint online with CFPB on XX/XX/XXXX will attachments. I received a response from CFPB on XX/XX/XXXX that Mohela was still working on the issue. It has been over XXXX months and I still have not received a response. This is absolutely ridiculous. I will be hiring a lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Accounts listed below : - XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX Card - Account # XXXX - XXXX  Card - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Bank XXXX Account # 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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/year> through XX/XX/year>, XXXX dollars in charges were made to my debit card with Chase bank XXXX XXXX eats in XXXX XXXX, California. I reported the fraudulent charges to XXXX XXXX department and and initially I was refunded the money, then after they investigated, they sent a letter saying their investigation came transactions had been approved by me even though I never had my debit card or phone out of my possession ever and have never approved anyone to use my debit card or digital wallet. I have never had an account with XXXX eats and never used XXXX eats in my life. Chase bank fraud detection will not give me and information about these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A fraudulent account was opened in my name while I was XXXX. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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 2025-11-16 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was XXXX. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

Company response to consumer: Closed with explanation