vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX claimed to provide medical consulting for my VA XXXX claim. 

Their invoice shows they charged me {$10000.00} by applying a formula of five times ( 5 ) the increase in my monthly VA compensation after my rating increase. 

Their contract, which the collector provided, explicitly states XXXX XXXX is not affiliated with the VA and admits they are not XXXX. 

Under 38 U.S.C. 59015905, only VA-accredited attorneys or agents may charge fees for VA claims representation. Non-accredited entities are prohibited from charging fees tied to VA claim outcomes.

Therefore, this alleged debt is illegal and unenforceable.

Despite this, the collection agency is pursuing me, threatening my credit, and reporting the debt.

Laws Potentially Violated Fair Debt Collection Practices Act ( FDCPA ) : Attempting to collect an invalid/unlawful debt. 

XXXX Affairs regulations : Prohibition against non-accredited organizations charging fees for VA claim assistance. 

Deceptive business practices : XXXX claims they will NEVER charge a fee for claim preparation, but invoice shows a $ XXXX charge tied to VA benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It XXXX Concern : I am filing this complaint against Jefferson Capital Systems , LLC regarding unlawful, deceptive, and harassing debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Violations at Issue Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) : XXXX XXXX continues collection activity on an alleged XXXX XXXX account ( JCS Ref # XXXX ) without providing full and proper validation. Under the FDCPA, collection must cease until validation is furnished. 

False, Deceptive, and Misleading Representations ( 15 U.S.C. 1692e ) : XXXX XXXX continues collection communications absent validation, misrepresenting its authority and the legal enforceability of the alleged debt. 

Unfair Collection Practices ( 15 U.S.C. 1692f ) : By attempting to collect without proof of ownership or legal standing, XXXX XXXX engages in unfair and unlawful conduct. 

Improper Communication Methods ( 15 U.S.C. 1692c ( c ) ) : Despite instruction to restrict communications to XXXX mail only, XXXX XXXX continues to use electronic communication methods, constituting harassment. 

False Credit Reporting ( 15 U.S.C. 1681s-2, FCRA ) : XXXX XXXX has XXXX to report or XXXX already be reporting false and misleading tradeline information to consumer reporting agencies without validated proof of debt ownership. 

Supporting Case XXXX XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : furnisher liability for misleading or incomplete reporting. 

XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : confirming FDCPA liability for deceptive collection communications. 

Relief Requested I demand that the CFPB : Investigate Jefferson Capital Systems , LLC for violations of the FDCPA and FCRA. 

XXXX XXXX XXXX to cease all collection activity until full legal validation is provided. 

XXXX XXXX XXXX to remove any inaccurate or unverified tradeline reporting from consumer credit files. 

Pursue enforcement action to prevent XXXX XXXX from continuing these unlawful practices. 

Damages & XXXX XXXX XXXX is on notice that violations of the FDCPA carry liability under 15 U.S.C. 1692k, including actual damages, statutory damages, attorneys fees, and costs. Continued violations constitute willful noncompliance, entitling the consumer to enhanced relief. 

Conclusion Jefferson Capital Systems , LLC has engaged in unlawful, deceptive, and harassing conduct that undermines consumer protections under federal law. I respectfully request immediate CFPB intervention to enforce compliance and protect consumer rights. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I recently attempted to sell some of my stocks on XX/XX/year>. When I logged into my XXXX account to complete the sale, instead of selling my shares, funds were unexpectedly withdrawn from my checking account. I immediately tried to cancel the transaction through the app, but the option was unavailable. Shortly afterwards, XXXX logged me out of my account, and I have since been unable to regain access. 
Ive made multiple attempts to resolve this issue, but XXXX support process has been impossible to navigate. Their system requires customers to log into their accounts to submit a help requestsomething I can not do without access. I asked my daughter to reach out through her own account, but the representative told her they could not assist because the request had to come directly from the affected account. When she asked if there was any way for me to restore access, she was told no. 

I also sent an email to XXXX support but have received no response. Calling the phone number provided directs me back to the app, which I can not use. I tried verifying my identity and my bank account, but I repeatedly got an error message saying the site can not connect to the server. Ive attempted this process from my phone, my daughters phone, and a friends computer, yet the same error occurseven though they can access their accounts and use the app without issues. 
This leads me to believe I am being deliberately blocked. As a veteran living on a fixed income, this situation has left me in serious financial hardship. XXXX withdrew the Social Security XXXX I rely on for basic living expenses, leaving me without the funds I need. 
I currently have over {$17.00}, XXXX invested in stocks from my years working at XXXX, and now I have no access to my investments. XXXX has full control of my money, and I feel powerless. After recently conducting my research, Ive learned that XXXX does this a lot and has taken funds from customers and blocked them out of their accounts as well. It seems like a common practice of theirs. Their lack of support and accountability is deeply concerning, and I believe these practices are unethical and unfair to customers who entrust them with their hard-earned money. 

I am urgently asking for help to regain access to my account and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC
State: GA

Complaint narrative:
XX/XX/year> I transferred {$500.00} from my XXXX wallet and attempted to withdraw that {$500.00} from my XXXX app. I could not withdraw that XXXX due to card limits. I was able to withdraw {$400.00} the following day I had an email from XXXX stating they are closing my account due to suspicious activity. I still had {$100.00} left from the {$500.00} transfer. I communicated this with XXXX and now theyre saying theres no money in the account. Basically refusing to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denefits LLC
State: VA

Complaint narrative:
I contact the actual company in XXXX and confirmed that the debt was no longer owed as I did not receive what was purchased. The company agreed but later sent to collections, I reached out to the collections company and they stated it was still owed, I requested debt validation or remove from credit report. It was removed then in XXXX or XXXX it was re-added back and I get several text messages and emails that I have not responded to. Today, XX/XX/XXXX, I receive a text, voicemail and email and when I opened the email it says : " Pursuant to our discussion, please find the updated copy of the Denefits contract attached. ". They are being deceptive in re-adding and updating to credit report when we have not spoken and the debt is invalid. There are too many dates to list as this company Denefits contacts me repeatedly since XXXX - XXXX and reset the debt after nit providing any debt validation and it was removed from credit report due to the invalid debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation