vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was notified on my credit report of this collections, that I never heard about nor opened back in XX/XX/year>. I mailed the company asking for verification/proof that I am the owner of this debt and under law they have 30 days to provide such proof. It has been almost 3 months and no proof has been mailed to me, emailed to me or even told me via phone. I am requesting you to audit them and see what proof they have of me owning this debt. The amount is {$2700.00} by resurgent receivables LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing a complaint against Ally Financial regarding improper billing and failure to offer reasonable hardship accommodations related to a vehicle that was totaled in XX/XX/year>. 
A GAP claim through Dealer Loyalty is active and pending payment of the remaining balance ( ~ {$5200.00} ). Despite this, Ally Financial is : Continuing to demand payment of {$720.00} for the totaled vehicle.

Billing me {$900.00} per month for a new vehicle loan with the same lender.

Refusing or failing to place the totaled vehicle loan into hardship hold, deferment, or administrative freeze.

As a result, I am paying for : 1. A vehicle that no longer exists, and 2. A new vehicle financed with Ally.

This situation is financially unsustainable and contradicts common industry standards for handling insurance-related total-loss claims.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: OK

Complaint narrative:
I received a NetSpend card in the mail and I've been waiting on money from my tribal office, About {$300.00} XXXX activated it to see if maybe they sent the funds via debit card cause usually we receive checks but just to see i activate card and it says it's locked and contact customer service. So I call customer service and they tell me they can't give me any info because I'm not allowed to use their services. I said can u at least tell me if there are funds on this card they just kept saying no we can't give any info because this account is closed. I said what about telling me where the funds came from? They again said they couldn't give me any info cause the account is closed and I'm not allowed to use their services. So I asked to speak to a supervisor or manager they again said they can't transfer me to management because the account is closed and I can't use the services. So I just hung up cause I was frustrated. Now I'm wondering if my funds are on that card and what I can do to get my money off the card.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Acct # XXXX ) : XXXX  : charge-off {$31000.00} with Voluntarily Surrendered markers. 
XXXX  : Profit and Loss Writeoff for the same balance, but minimal supporting data.

Conflicting statuses and lack of substantiation violate 607 ( b ) ; verify or delete under 611 ( a ) ( 5 ). 

Wilshire XXXX XXXX ( Acct # XXXX ) : XXXX  : charge-off {$5800.00} ( past due {$5800.00} ). 
XXXX  : profit and loss writeoff {$5800.00} with original balance {$5000.00}.

Conflicting balances violate 623 ( a ) ( 1 ) ( A ) ; verify or delete under 611 ( a ) ( 5 ).

3 ) Collection Accounts XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( Acct # XXXX ) : XXXX  : {$1700.00} collection with original creditor listed; updated XX/XX/year>. 
XXXX  : {$1700.00} but missing original creditor details. 
XXXX  : XXXX {$1700.00} with no payment history grid.

Missing and inconsistent creditor information violates 609 ( e ) and 611 ( a ) ( 1 ) ( A ). Verify ownership/assignment and the underlying contract, or delete under 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, NY XXXX XXXX [ Insert Todays Date ] Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX Re : Account # : XXXX Dispute Based on Statute of Limitations New York Consumer Credit Fairness Act To Whom It May Concern, I am contacting you to dispute the above-referenced account currently being reported by Spring Oaks Capital , LLC XXXX According to my records, the last reporting date was XX/XX/year>, which means this account is now past the XXXX statute of limitations for consumer credit debt under New York law .

Under the New York Consumer Credit Fairness Act ( CPLR 214-i ), the statute of limitations for consumer credit transactions is three ( 3 ) years. As of today, more than 3 years and 4 months have passed since the last reported activity. Under this law, expired debt can not be revived by any payment, promise to pay, or acknowledgment once the statute has lapsed. 

Despite this, the account is still being reported as a collection, which is misleading and potentially unlawful. Continued collection or reporting of a time-barred debt without proper disclosures may violate : The New York Consumer Credit Fairness Act The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) Accordingly, I demand the following : Cease all collection efforts immediately, as this debt is time-barred. 

Remove this account from all consumer credit reports if you can not legally verify that it remains collectible under New York law.

Provide written confirmation that Spring Oaks Capital acknowledges this debt is time-barred and will no longer pursue collection or furnish it to credit reporting agencies.

I request validation or verification in writing only. Do not contact me by phone.

If I do not receive a satisfactory response within 30 days, I will file complaints with the New York Attorney General, the CFPB, the FTC, and the credit bureaus, and I will consider all legal remedies available to me. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
After reviewing my consumer reports, I noticed entries showing late payments on accounts for which I have always paid on time. Credit reporting agencies are responsible for maintaining precise and reliable information, and it is essential that the data associated with my credit profile reflects complete accuracy. 

I have never been late on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a comprehensive review of these inaccurate entries. Please provide documentation or proof, such as account records or payment statements, supporting the claim that these payments were delinquent. If you can not produce valid evidence, I am insisting that these reported late payments be immediately corrected to show the accurate, on-time payment history that I have consistently maintained. 

I appreciate your prompt handling of this issue.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I would formally like to lodge a complaint with Bank of America in relation to two fraudulent charges made without my knowledge or permission. 

XXXX XX/XX/year>, I was alerted to suspicious activity for a cash draw of {$2900.00}, to which I immediately initiated a claim of fraud and cancelled said credit card. 

XXXX XX/XX/year>, a second charge of {$2900.00} appeared against this closed account. 
* * Clearly, security protocols were NOT followed. These charges allowed the card to be run OVER its credit limit as well. 

XXXX XX/XX/year>, BOA temporarily credited the account for {$2900.00}, " while we research your claim. '' XXXX XX/XX/year>, BOA charged the closed account the original disputed amount of {$2900.00}. 

XXXX XX/XX/year>, I received a letter stating BOA has " updated the claim amount from {$2900.00} to {$5900.00}. 

I have been denied four times for resolution to this fraudulent activity. 

XXXX XX/XX/year>, I filed an Identity Theft Case with XXXX XXXX Sheriff 's Department, Detective XXXX, # XXXX. Attached to this complaint...... 

I reactivated the fraud case with BOA, Case # XXXX. 

XXXX XX/XX/year>, contacted XXXX Identity Protection to open a case with them. In the course of investigating this myself, I have found that those case
advances went to XXXX XXXX XXXX  in Oklahoma. I have no connection with that bank, nor have I ever been to Oklahoma.

Billing statements now come under account ending in XXXX. 

I would appreciate 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 monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

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 2025-11-15 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: PA

Complaint narrative:
I am writing to request an immediate block and removal of fraudulent account ( s ) listed below pursuant to FCRA Section 605B.

These items are the result of identity theft. Attached are my government-issued ID, proof of address, and a copy of my police report/FTC identity theft affidavit. 

Please block these items from my consumer credit report within four business days, as required by law. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-15 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: MI

Complaint narrative:
I was granted a Poverty Tax Exemption from the Michigan XXXX XXXX and Rushmore Servicing did not allocate the money to escrow and refused to adjust the payment to reflect the exemption. I spent countless hours on the phone with customer service representatives attempting to speak to management and the escrow department and the service reps refuse to forward calls or leave messages, so I had to repeat my problem from the beginning just to have to do the same thing over and over. I was informed they are trained to not put calls thru. Eventually they stopped taking my partial payments that I was making adjusting the exemption myself then fees started rolling in then legal fees then inspection fees and so on. I wrote a letter to the CEO because I thought he might want to know how mis managed his company was being ran and my certified letter was returned. I had the Deputy Tax assessor try to contact someone and she couldn't get past the automated phone system. I have faxed, mailed, uploaded, downloaded called and I could not speak to anyone further than a customer service rep. A different rep every time I might add. I googled Rushmore Servicing and found numerous lawsuits that are an exact story as I'm going thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following accounts are being reported inaccurately by one or more consumer reporting agencies. These accounts contain errors such as incorrect balances, late payment reporting errors, missing dates, unverifiable collection accounts, or reporting that lacks proper documentation or validation.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NV

Complaint narrative:
A Discover Bank credit card offer was sent to an address in XXXX which I have not lived at since approx XXXX. This action may be related to a data breach. 
Nor have I recieved any other mail or correspondence at this address in over XXXX  years. 
Due to this unsolicited mailing, fraud against me and my credit rating may occur. A Discover credit card may be opened by someone at the address with malicious intent to illegally gain a credit card in my name and former address. 
Lastly, I do not recall ever having a Discover Bank card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I've been trying to unlock my usaa account for a week now I've sent ID verification XXXX different times and have called several times and I'm not getting a resolution I keep getting emails to login and review documents but I'm not able to login.

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 2025-11-15 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding ( via Resurgent Capital Services ) is reporting a {$480.00} collection account. This account is inaccurate and unverifiable. They have not provided validation.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting unverifiable, inaccurate data.

FCRA 602 ( b ) Not meeting the maximum accuracy requirement.

FDCPA 809 ( b ) They did not validate the debt, yet they continue reporting. FCRA 611 ( a ) ( 1 ) ( A ) Failing to respond properly to disputes. FCRA 611 ( a ) ( 5 ) They should
have deleted the account when they could not verify it.

Account reporting contains discrepancies in dates, proving the information can not be validated.

I request intervention for deletion, as LVNV can not validate ownership or accuracy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AR

Complaint narrative:
since about XXXXXXXX XXXX XXXX i have had an unusual amount of hacking and identity theft occcuring. I need to close all of my financial accounts with the credit bureau of arkansas. I cant even order a cash app or prepaid visa under my legal name XXXX XXXX XXXX XXXX XXXX bith date being XX/XX/XXXX XXXX yo and a citizen of XXXX XXXX arkansas. The address i'll be using is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My ssn is XXXX. Applying for federal assistance has been a nightmare. Ive resided in this community in XXXX for 36 years and only moved a couple of times to oklahoma and when i was a XXXX  child i lived in XXXX only for about XXXX months. Please help me address this problem.

Company response to consumer: Closed with explanation