vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C System is trying to collect a debt for XXXX XXXX for {$140.00}. I explained to them I have an arbitration clause with Charter but I C System ignores me.

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 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am filing this complaint regarding deceptive practices by Tower Loan related to a consumer loan I obtained from them. At the time of the loan, I was told that insurance was mandatory and non-negotiable. I later found outonly after reporting my XXXX to themthat the insurance I was required to purchase was actually optional and covered property, not income protection as I was led to believe. 

I had consistently made my payments on time until I became XXXX When I notified Tower Loan of my hardship, they proceeded to initiate legal action against me instead of offering assistance. It was during that communication that I learned the insurance added to my loan was XXXX XXXX I did not need, as I already had a valid XXXX policy in place at the time of the loan, which I can prove. I was never offered the option to decline or substitute it. 

I feel I was misled into believing this insurance was required in order to obtain the loan. It has cost me significantly in premiums and interest, and Tower Loan has refused to issue a refund even after acknowledging that the coverage was optional. This loan was not collateralized, and I did not purchase merchandiseso it makes no sense that I would need separate insurance coverage for items that were already protected under my existing homeowners policy. 

I believe this constitutes deceptive lending and a failure to disclose important terms, and I respectfully request that the CFPB investigate this matter and assist in securing a resolution.

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 2025-05-14 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-14 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: HW Holding, Inc
State: CA

Complaint narrative:
Please delete this account. ( HWARFIELD ) For improper use of my credit report. This collector has provided incorrect and inaccurate information to all 3 credit bureau 's. 

Inaccurate " DATE OPENED '' Inaccurate " LAST REPORTED DATE '' Inaccurate " DATE LAST ACTIVE '' All dates are inaccurate and account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL RECOVERY AGEN regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : 1.NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 2.NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX  XXXX XXXX OF TX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL RECOVERY AGEN but to no avail.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I paid my debt via an agreement with XXXX XXXX Bank about 15 or 20 years ago. Midland Credit Management has picked up on the difference and hounded me for years about paying the remainder, even though they readily admit in their correspondence that I do not owe it to them. They continue to send me mail telling me to pay. I am tired of being stalked by them. I moved last XX/XX/2024, and they found me at my new address. 

I do not owe them money, and I want to stop receiving mail from them. I tried stopping it XXXX years ago, to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX RE : Cease and Desist Account # XXXX ( Original Creditor : XXXX XXXX XXXX ) To Whom It May Concern : This letter serves as a formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of validity of the debt being reported under account # XXXX, associated with XXXX XXXX XXXX. 

I have not received any written notification of this alleged debt, which is a direct violation of 15 U.S.C. 1692g ( a ). You are legally required to provide written notice within five ( 5 ) days of your initial attempt to collect, including the amount of the debt, the name of the creditor, and my right to dispute it. 

Furthermore, I am disputing the validity of this account and demanding full debt validation, including : The original agreement bearing my signature A full payment and charge breakdown Documentation proving your legal right to collect and report this account Until you provide this information, you are prohibited from reporting or continuing to report this account to any consumer reporting agency. It is well established that furnishing information to a credit bureau is considered a communication under the FDCPA ( see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX ( XXXX Neb. XX/XX/year> ) ). 

By continuing to report this account without validating the debt or providing notice, you are violating : 15 U.S.C. 1692c ( c ) ( cease communication request ) 15 U.S.C. 1692g ( b ) ( continuing to collect or report during a dispute ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( reporting inaccurate or unverifiable information to CRAs )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am continuing to receive repeated text message notifications from a Halsted Financial XXXX  attempting to collect a debt I do not have an association to. It is always from a different phone number and seems like a phishining attempt. Ive attempted calling the number from a landline and it does not ring. And I have reported it to XXXX as a spam alert. 
This is what the text message reads : Dont miss out on generous offers for your XXXX XXXX XXXX, XXXX account! 

Please visit https : //portal.halstedfinancial.com/s/KgrLb or call XXXX. 

This text is from Halsted Financial, a debt collector. 

TEXAS LAW REQUIRES THE FOLLOWING DISCLOSURE : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, XXXX XXXX, XXXX WILL NOT SUE YOU FOR IT, AND XXXX XXXX XXXXXXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. 

PLEASE NOTE, IN ADDITION TO THE FOREGOING, THAT BECAUSE OF THE AGE OF YOUR DEBT XXXX XXXX XXXXXXXX CAN NOT SUE YOU FOR IT. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am writing to express my complaint regarding Citizens Bank N.A. due to the sudden locking and deactivation of my account on two occasions, without any prior notification to me as the consumer. I did not receive any emails or phone calls informing me that my account had been frozen or that there were issues with it.

Recently, I discovered that my account was under review and had been deactivated when I received a notice from my other bank stating that a recurring credit card payment had been returned. 

When I contacted Citizens Bank, I did not receive any information about my account or the status of my funds. The representatives were not very cooperative in providing details about the situation or the reasons for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the consumer XXXX XXXX XXXX ( XXXX ). Specifically. Cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint against Citibank regarding their improper handling of my billing dispute for services not as described related to purchases made from XXXX 

My dispute was initially misclassified by Citi as services not delivered. I contacted Citi and the case was correctly reclassified as services not as described ( billing error ). Despite this, I later received XXXX contradictory decisions from Citi dated XX/XX/XXXX and XX/XX/XXXX, indicating internal mishandling of my case. 

When I attempted to provide my supporting documentation, a Citi supervisor informed me I would not be permitted to submit additional evidence and that no further escalation options were available. This violates both XXXX chargeback procedures and my rights under the Fair Credit Billing Act ( FCBA ). 

After I initiated my chargeback, the merchant permanently banned my account and revoked my access to services I had paid for. This is a direct violation of XXXX regulations, which prohibit merchants from retaliating against cardholders for filing disputes. 

Over the past XXXX weeks, I have made repeated and documented attempts to resolve this matter directly with the merchant. I am submitting my complete evidence packet showing the merchants conduct and my efforts to resolve the situation. 

I am requesting that Citi be required to reopen my billing dispute, review my evidence, and process my case properly under services not as described per XXXX and XXXX guidelines.

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 2025-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of XXXX XXXX and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a notice in the mail that said I owed Midland Credit Management , INC. ( MCM ). I do not owe this company anything. They are not the original owners of this debt. Therefore I am not obligated to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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