vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
The furnisher has now provided written confirmation that they can not validate, verify, or document the debt they are reporting. I received an email from their representative on XX/XX/2025 stating : Currently, these accounts were closed and removed from our office, so I am not able to request more information to further your dispute. I recommend reaching out to our client and requesting a status update to know if this went to another office or if they closed the matter. We do not have contact information to share for a consumer to contact them. 

This admission proves they : Can not validate the debt under 15 USC 1692g Can not furnish documentation to support reporting Do not own or maintain records for the account Can not lawfully continue reporting to credit bureaus Are reporting unverifiable information in violation of FCRA 602, 607 ( b ), and 611 ( a ) A debt collector can not furnish information that they admit they can not validate. Since they have closed the account and removed it from their system, they can not be considered a reliable data furnisher.

I am requesting CFPB intervention to require : 1. Full deletion of the account from all credit bureaus due to unverifiable reporting, and 2. Confirmation that this furnisher ceases all future reporting or reinsertion.

The collector has admitted they can not provide validation or any documentation to support the tradeline. This is a clear-cut case of unverifiable reporting that must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 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: NY

Complaint narrative:
I am writing to formally request validation of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ).

Please note this letter also serves as a Cease and Desist notice, requesting that any further communication regarding this matter be conducted only in writing.

In accordance with federal law, please provide the following documentation : Verification that XXXX XXXX or any third party has the legal right to collect or report this account. 

A copy of any signed contract or agreement bearing my signature. 

A complete and itemized accounting showing how the reported balance of {$250.00} was calculated, including all fees and interest. 

The complete chain of title or assignment for this account, if applicable. 

A copy of your license or bond authorizing you to collect or report debts in the State of New York.

Until such documentation is provided, you are to cease all collection activity and reporting of this account to any credit bureau.

This account should be marked in dispute while under review, as required by 15 U.S.C. 1692e ( 8 ).

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 2025-11-17 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: NY

Complaint narrative:
I am writing to formally request validation of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ).

Please note this letter also serves as a Cease and Desist notice, requesting that any further communication regarding this matter be conducted only in writing.

In accordance with federal law, please provide the following documentation : Verification that XXXX XXXX or any third party has the legal right to collect or report this account. 

A copy of any signed contract or agreement bearing my signature. 

A complete and itemized accounting showing how the reported balance of {$250.00} was calculated, including all fees and interest. 

The complete chain of title or assignment for this account, if applicable.

A copy of your license or bond authorizing you to collect or report debts in the State of New York.

Until such documentation is provided, you are to cease all collection activity and reporting of this account to any credit bureau.

This account should be marked in dispute while under review, as required by 15 U.S.C. 1692e ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: NE

Complaint narrative:
In XXXX I reached out to FREEDOM DEBT RELIEF for financial help. In the mix of incurred debt I let them manage per an arranged pre determined amount to be deposited each month they would then place into a escrow or deposited funds account until each listed debt I gave to them starting with smallest to largest was paid. XXXX yr program. Now.... XXXX of the lenders, XXXX XXXX, in which I had XXXX accounts, XXXX was around XXXX and another for XXXX. Plus a credit card at XXXX. So life happens, health issues with my wife 's, loss of significant income, and still ongoing health issues. So FDR was the outlet I chose for help. Now.... they, through the deposited account payed off the small XXXX XXXX, leaving the larger amount. In XXXX of XXXX XXXX XXXX charges off the XXXX. OK, that account was also closed. Now here 's the fraud.... FDR calls and says... Hey you have done so good, you can qualify for a loan program through our affiliate lenders. Hmmmmm ... OK. Now I am dealing with ACHIEVE financial. They tell me, now this is XXXX or XXXX. Oh you've been a good slave, so we're going to finance the XXXX just for you and boy this is going to save your credit. XXXX. Something tells me in XXXX.... call XXXX XXXX. I did. Here 's the fraud. XXXX is wanting me to pay them back XXXX..... for a loan they bought for XXXX at 26.99 % interest. No, I don't think so. No ever told me that the loan had been charged off and closed. Not FDR or XXXX. No truth or proper disclosure. XXXX after. I say.... BS SCAM.HELP!!!!????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
FDCPA 5-Day Notice Violation Letter ( Failure to Send Written Notice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Email XXXX Phone XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Failure to Provide Required Written Notice Within 5 Days of Initial Contact To Whom It May Concern : I am writing regarding your recent communication with me on [ date of first XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a debt collector is required to provide a written notice containing the details of the alleged debt within five ( 5 ) days after the initial communication.

To date, I have not received any written notice from your company that includes the required information : The amount of the alleged debt The name of the original creditor My rights to dispute the debt within 30 days My right to request verification of the debt My right to request the name and address of the original creditor Since you failed to provide the legally required 5-day written notice, you are in violation of federal law. Until proper notice is provided, you must immediately : Cease all collection activities, including phone calls, letters, and credit reporting ; and Provide the full FDCPA-required written notice.

If you continue collection activity without complying with the FDCPA, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other applicable regulatory agencies. I also reserve my right to pursue all available legal remedies.

I expect your compliance with the law. Please send the required notice to me in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NE

Complaint narrative:
I ordered from XXXX fashion a brand off of instagram ( XXXX  ) on XX/XX/XXXX. I was supposed to get my items on XX/XX/XXXX, but she kept making excuses and telling me, so many other dates when it will arrive. Then she stopped responding to me when I asked her whats going on, and now her email, doesnt work at all. Its XX/XX/XXXX now I still havent receive a tracking number nor a response from her. I told cash app about this, I even did a dispute, but they denied it. Then I did an appeal and they still denied it, even after I told them, that its been 4 months and I still havent received nothing from that company. But cash app keeps telling me to keep disputing it, but all they do is deny it and now XXXX cant even dispute the transaction anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute an unauthorized hard inquiry on my TransUnion credit report : XXXX XXXX XXXXXXXX XXXX via INFORMATIVE INFORMATION dated XX/XX/year>. This inquiry was made without my consent and is a result of identity theft. Under 15 U.S.C. 1681b ( 2 ), a permissible purpose is required for a hard inquiry to be made, and this inquiry does not meet that requirement. I am requesting that this inquiry be removed from my credit report immediately. Additionally, I would like to note that the FTC website is currently unavailable, preventing me from creating an FTC Identity Theft Report at this time. This should not affect my right to have this unauthorized inquiry removed. I request that this matter be resolved as soon as possible in accordance with the Fair Credit Reporting Act and other applicable laws.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
On XX/XX/year>, before the scheduled XXXX XXXX foreclosure sale, I submitted a complete loss mitigation application to PennyMac by fax at XXXX AM EST and by email at XXXX AM EST. PennyMac acknowledged receipt before the sale. Under XXXX C.F.R. XXXX ( g ) and the CFPBs Official Interpretations, a servicer is prohibited from conducting a foreclosure sale after receiving a complete application unless the sale has already been legally conducted, which occurs only when title transfers. Under North Carolina law, the foreclosure sale is not final until ( XXXX ) filing of the Report of Sale, ( XXXX ) expiration of the XXXX upset-bid period, and ( XXXX ) recording of the Trustees Deed. None of these had occurred. 

Despite this, PennyMac allowed the sale to proceed and continued foreclosure action, which is a dual-tracking violation. PennyMac incorrectly claimed that my application needed to be submitted more than XXXX  days before the sale, misapplying the regulation. The XXXX provision only governs appeal rights and timelinesNOT the prohibition on conducting a sale when a complete application is pending. 

Additionally, a securitization audit shows the loan was placed into a XXXX XXXX XXXX XXXX with a XXXX factor, meaning the loan was fully paid off within the trust. XXXX XXXX does not purchase loans and holds no legal title or ability to enforce or foreclose. PennyMac did not provide any proof of note ownership, chain of title, or authority to foreclose, raising serious questions of standing and bifurcation ( note separated from deed ). 

PennyMac also reported the loan as foreclosure completed/closed to credit bureaus even though the sale is not legally final under state or federal law and is being challenged in court under Rule XXXX ( b ). 

I request CFPB investigation into : Dual-tracking violations under Regulation X Failure to properly review a complete loss mitigation application Misleading application of the XXXX rule Standing issues and securitization irregularities Improper credit reporting of a foreclosure not yet legally final Failure to provide requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute specific accounts on my credit report. Please find below a detailed breakdown of the accounts in dispute for each credit bureau. I request that you review these entries and take appropriate action to correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I believe the information reported is either incomplete, inaccurate, or not properly verified. 

Charged Off Accounts : XXXX XXXX XXXX  XXXX, XXXX, XX/XX/year>, {$780.00} Late Payment : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15usc 1681EB. Not XXXX  % accurate.

15 usc 1681A2AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692F ( 6 ). Non judicial repossession limits.

15 usc 160.

Fraud. Incorrect information on contract which makes it fraud and Breach of contract.

Criminal Trespassing.

Usc 11 search reveals no debt in all states so repossession was completely illegal and done with ill moral.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Ensure accounts marked as disputed are cleared according to legal deadlines.

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 2025-11-17 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 dispute several items on my credit report, which I believe to be inaccurate or incomplete. Please find the details of the accounts in dispute separated by bureau as requested. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$620.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$230.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
b'From:\nXXXX XXXX XXXX XXXX, Ohio XXXX\n\nTo:\nSynchrony Bank\nPO Box XXXX\nXXXX PA XXXX\n\nXXXX\nRE: Synchrony Bank has performed Predatory Lending in the State of Ohio.\nRE: NTB/SYNCHRONY CAR CARE Account Ending In: XXXXnCreditor: Synchrony Bank\nThis is Account is in Dispute.  I am writing to dispute billing error on my account, Account Ending In: XXXX under the provisions of the Fair Credit Billing Act (FCBA). \nThe Interest Rate and Fee were not disclosed to me or any and all users of this account. I did not agree to. \n\tFederal laws like the Truth in Lending Act (Regulation Z) require lenders to disclose credit terms.\n\tThe State of Ohio also has laws that protect consumers from other types of predatory lending and aggressive debt collection.\nIn addition, this was in Dispute as of XXXX and Credit Card Terminated which continued to be charged. \nI filled a Better Business Bureau (BBB) on XXXX a Complaint ID: XXXX against Synchrony Bank in which your company failed to respond. \nI filed a Consumer Financial Protection Burea (CFPB) o XXXX  a Complaint ID: XXXX against Synchrony Bank in which your company failed to resolve the late fees and interest rate notifications. \nI want a complete list of all charges, interest rates and fees to disclosed to me and date that charges were incurred from inception of this credit card.  In addition, all interest and fees applied to this account.\nI want a copy of the credit card agreement, a payment receipts, or a previous communication; since inception of this credit card be opened.\nI want a complete list of all payments made to this account from inception of this being open.\nI want to see how much in total late charges and total interest you totally charged on this account over the life of this credit card; once, I see review this.  I am willing negotiate a settlement offer that is acceptable to both parties. \nMail Correspondence To:\nXXXX XXXX XXXX XXXX, Ohio XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: KS

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may 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