vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
RE : Debt Validation Request under 15 U.S.C. 1692g and 1692c ( c ) To Whom It May Concern, This letter is being sent in response to a collection notice I received from your office. Be advised, this is not a refusal to pay but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I am also invoking my rights under 15 U.S.C. 1692c ( c ) to cease all further communication regarding this matter until proper validation is provided. Please provide the following documentation : A complete itemized accounting of the alleged debt, including the original amount, all interest, fees, payments, and charges. The name and address of the original creditor and the alleged original account number. A copy of the original signed contract or agreement under which the debt arose. A full and complete copy of the assignment agreement or bill of sale that legally assigns the debt to your agency, including all relevant dates, signatures, and transfer terms. This must demonstrate you have the legal right to collect on this debt. If this debt involves foreclosure or a mortgage, provide a copy of any foreclosure agreement, notice of default, or trustee sale documentation, including any record of title or lien information indicating legal standing to foreclose. Proof that your agency is licensed to collect debt in Virginia, including a copy of your state license number and registered agent. Until you provide this documentation, you must cease all collection activities and communications regarding this debt, as per 15 U.S.C. 1692c ( c ). Any further attempts to collect without validating the debt may constitute a violation of the FDCPA and could result in legal action against your agency. This letter is sent pursuant to the rights provided by the FDCPA. Be advised that I am keeping careful records of all communications related to this matter, and I am prepared to report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XXXX XXXX and XXXX  sold my identity and social security number in data leak of consumer identity and buy unauthorized account charges on my credit report symphony credit report XXXX and XXXX XXXX identity theft fraud consumer identity and clarity collection all put unauthorized account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX unauthorized debt over XXXX years with all three major reporting agencies XXXX XXXX and XXXX please respond immediately caused XXXX damage XXXX dollars in unpaid debt collection unauthorized account missing of last name XXXX and wrong address attached to debt collection unauthorized XXXX XXXX loan payday falsefeild open cash loans under my social security number and identity and sold my identity to XXXX XXXX and XXXX  XXXX  and XXXX  and hide all the thevies assets to my identity ran up debt collection unauthorized account and charge them open bank cards and cash loan late installment under public debt collection account

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 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I was part of the XXXX class action lawsuit involving widespread borrower mistreatment and deceptive servicing practices. It is unacceptable that I am now facing derogatory credit marks tied to a loan involved in proven misconduct. My account was mismanaged, and I refuse to carry the burden of inaccurate or unjust reporting. 

If the derogatory information is not removed from all credit bureaus immediately, I will escalate this matter through legal channels and initiate participation in a new class action suit against the Department of Education and its affiliated servicers for continued harm and misreporting. 

Remove the negative credit information now and update all reporting to reflect accurate, neutral status. 

I only filed a complaint with XXXX. 
{$4100.00} is the balance Opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MS

Complaint narrative:
I was unsung cashapp and getting funded through cashapp. but even with my card locked and me blocking those specific transactions. Cashapp still allowed them to take my money off my acct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
Dear XXXX, This email serves as confirmation of the payment submitted on XX/XX/XXXX, captured below. 

Payment Confirmation # : XXXX Amount : {$10000.00} Scheduled For : XX/XX/XXXX This payment did not go through for my student loan so i paid it again Dear XXXX, This email serves as confirmation of the payment submitted on XX/XX/XXXX, captured below. 

Payment Confirmation # : XXXX Amount : {$10000.00} Scheduled For : XX/XX/XXXX My original payment was not refunded. I was double charged for the same loan and they did not take any steps to notify me or refund me. I had to reach out to them and they still have not refunded me yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
ate at in XXXX XXXX. Had XXXX XXXX XXXX XXXX and soup. Friend had same thing but had a XXXX instead. Do not have copy of receipt and think that XXXX  XXXX  XXXX  was put in the wrong place. would not take my credit card - just my debit. All purchases except XXXX  in this trip well under {$490.00}. Bank of America would not provide any information about the merchant about fraud claim. 
They said merchant was XXXX XXXX XXXX in XXXX XXXX, but no number or name of restaurant was found in line.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
Square closed my account and said they would hold my funds that were in the account for 90 days then release it to my linked bank account but that deadline has passed and the funds have not been transferred and their support team will not reach back out to me. its {$2200.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To start I opened a business account with Chase on XXXX XXXX since that moment on my account has been restricted, no reason as to why just because and the only reason I knew was because I went to deposit a large amount of cash that I had to take out of my other bank and carry around scared It would get stolen to chase to deposit. So when I got to the branch they took me to speak to someone there to fix the issue his name was XXXX super nice and helpful, he had to contact them over the phone to check why my account was restricted, was told that the person who did my account set up made a mistake and made my signer the owner of the account and until that person brought their ID, I wasnt able to deposit any money. Which doesnt make sense because XXXX not taking money out but depositing it. I wanted to speak to a supervisor because I have XXXX jobs and not the time to continue to deal with this issues for days, was refused by the rep XXXX. The rep XXXX told me to go home and that he would handle it and call me back once he spoke to someone higher up. He was told that my account will need to be closed off and I need to start the process all over again. So I wont Im closing the account and going to a different bank. I called them today to start the process of closing the account, her Indu name I forgot told me I couldnt close it until XX/XX/year> because my account was still restricted. Told her I wanted to speak to a supervisor also refused said she couldnt transfer me to a supervisor and said if I wanted to speak to someone else I needed to hung up and call again and that she refused to transfer me to a supervisor because I didnt have any needs to speak to them. Since Chase has changed their protocol their customer service has gone down hill. I will be closing all my account with chase from now forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
An account with the same account number is being reported incorrectly on my credit report same account number one account is closed and paid the other one is being reported negative. It is hurting my credit. Experian failed to do an investigation and kept this on my credit.

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