vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I sent a letter to Comenity Bank -- XXXX on XX/XX/year> requesting a moratorium on my account ( I had previously called and requested lower payments or interest and they said they could not assist me ). I also enclosed a check to make a payment. In this letter, I specifically requested that all communication with me should be done by via the US Postal Service. Their agents began calling me and leaving messages on XX/XX/year>. I received a call that day, and also on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> On XX/XX/year> I sent another letter to Comenity reiterating my intent to pay, enclosing another check, and repeating my request to only communicate via the USPS. I said that I would report their actions if they continued to call. 

I received another call on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Cease and Desist Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] To Whom It May Concern, This letter is a formal notice to cease and desist all communication with me, including but not limited to phone calls, letters, emails, or any other form of contact, regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), you are hereby notified to stop all communication with me, my family, or my place of employment.

Additionally, I request that your agency immediately delete this account from your records and any credit reporting agencies with which it has been shared. If you are unable to validate the debt or prove your right to collect on it, you are required to remove it from all consumer credit reports under the Fair Credit Reporting Act ( FCRA ).

Please note that continued collection efforts or failure to comply with this notice will be documented and may result in legal action for violation of federal law.

This letter is not an acknowledgment of any debt, nor a promise to pay. I expect written confirmation that all communication has ceased and that the account has been removed from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally complain about the multiple holds placed on my Citibank account, which appear to be an effort to close it. This issue relates to a check made out to my mother, for which I possess Power of Attorney. A similar situation occurred in XX/XX/year>. 

Despite submitting the Power of Attorney documents several timesthrough fax, certified mail, and in-person visits to the bank with my mother for verificationmy checking account remains locked and at risk of closure. This is particularly frustrating as Citibank has previously cashed checks without issue. Following the earlier report to the CFPB in XX/XX/year>, I was thankful for the resolution. 

I kindly request immediate action to unlock my account and prevent its closure. This ongoing issue has become exceedingly frustrating, especially since I have already communicated with the executive office and been assigned a case manager who seems indifferent to my concerns. 

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing an account on my credit report that is being furnished by XXXX XXXX XXXX XXXX. This bank is reporting an outdated address from over 10 years ago, which is no longer associated with me. I have formally requested that they verify the address they are using to report the account, but they have failed to provide documentation showing that it is currently accurate or connected to me. 

The use of this outdated personal identifying information violates my rights under the Fair Credit Reporting Act ( FCRA ), including 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information, and 611, which mandates that disputed information must be investigated. 

This outdated address is also preventing the credit bureau ( Experian ) from removing inaccurate information from my report, as they are relying on XXXX XXXX XXXX reporting. 

I am requesting the CFPB to compel XXXX XXXXXXXX XXXX to properly verify the address being used to report this account or to delete the account if it can not be substantiated with current, verifiable personal 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 2025-05-06 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: VA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MI

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

Company 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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper assumed my XXXX mortgage from XXXX XXXX and upon being notified, i obtained a new username and password to see my new website and home page with Mr. Cooper. Upon reviewing my loan, there was an erroneous, yet familiar dollar amount ADDED to my loan balance. To the amount of {$36000.00}. This number was the exact number down to the XXXX for which i received from XXXX XXXX XXXX for a claim in XXXX XXXX XXXX XXXX XXXX. This claim went on and on for months with all kinds of issues with them sending payment for the damages to my home, but with arbitration, they did settle and agree to pay the claim. XXXX of the final checks were for {$36000.00}. The check bounced several times, and had to be re-issued. I have all the emails with XXXX XXXX XXXX XXXX to back this up. I would prefer to provide this to whomever can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
This communication is pointing out the abuse of the Judicial System by one firm Ragan & Ragan. Ragan & Ragan was hired by XXXX XXXX XXXX XXXXXXXX XXXX to sue me for garnishment on a very old medical debt that is past its Statute of Limitations in the State of Georgia that already had a settlement ; so yeah, I got sued twice for the same case, and was re-sued for twice the amount of the original lawsuit. We are currently in the month of XXXX, XXXX ; the first garnishment was from my last check in XXXX of XXXX for {$340.00}, the second court date on the same case was XX/XX/XXXX upon which the {$340.00} was ruled on from a total amount of {$2600.00} although the first amount was the settlement amount of {$1700.00} in XXXX of XXXX. Now mind you, I had not received any further notices since that suit in XXXX, and the only notices I received was from attorneys saying I was being garnished and soliciting services to challenge a garnishment case, but that was it and that also was at the 7 year mark in XXXX. According to Georgia, the Statute of Limitations for Medical Debt is 4 to 6 years4 years for an oral agreement and 6 for a contractso why is Ragan & Ragan able to sue me past both???? I put in a complaint against XXXX XXXX XXXX XXXX XXXX to explain and all they told me was to contact Ragan & Ragan, yet First Financial Investment Fund was the entity that hired Ragan & Ragan to sue menot oncebut TWICE!!! So this complaint goes out to Ragan & Ragan since XXXX XXXX XXXX XXXX XXXX says I need to put the attention away from them and to that firm insteadso here we are. This is total abuse of the Judicial System to sue me within my jurisdiction the first time 8 years prior to the original settlement only to turn around another year and sue me again on the same case later making 9 years to collect a settlement 2 times the original amount outside of what even the Law says is outdatedI need remedy to this matter because Ragan & Ragan was wrong for trying to be deceitful to re-sue thinking people dont know their rights when Ragan & Ragan had 8 to 9 years to communicate their intentions and knowing the least they could have done was just honor the original settlement cause a settlement is a settlement and there was one already on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their handling of disputes related to inaccurate late payments. Despite previous formal disputes submitted by me, Equifax has failed to verify or remove the inaccurate negative payment history for the accounts listed below. 

Under FCRA Section XXXX11 ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable and thorough investigation into all disputed items. Section 609 ( 15 U.S.C. 1681g ) further gives me the right to access full verification records. Equifaxs failure to provide such verification or to delete unverifiable items is a direct violation of these obligations. 

I have formally disputed the following accounts due to inaccurate late payments : Disputed Accounts & Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments associated with this account. The account should remain open and in good standing ; only the negative payment history should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments associated with this account. The account should remain open and in good standing ; only the negative payment history should be removed. 

FCRA Violations by Equifax Failure to provide documentation used to verify the disputed items, such as applications, payment records, or signed authorizations. 

Failure to identify individuals involved in the verification process, including their names, titles, and contact information. 

Failure to conduct a lawful investigation, instead relying solely on furnishers responses, which is explicitly prohibited per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to delete unverified or unauthorized data, as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Potential violation of Section 604 ( 15 U.S.C. 1681b ) regarding the reporting of unauthorized inquiries, although this complaint focuses on late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX ACCOUNT # XXXX I previously submitted an FTC report to XXXX and all XXXX XXXX  credit bureaus. The account was investigated and came back as a fraudulent account due to identity theft.It was then removed from my credit report. The account was added back on my credit report now reporting by ( Jefferson Capital ). I am not sure how your company ( Jefferson Capital ) was able to purchase a fraudulent previously disputed account.

I have enclosed a copy of the same FTC Identity Theft Report I previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
after reviewing my credit report I saw several account that I do not recognize. they are affecting my ability to receive funding and demand that they be DELETED. each of the companies mentioned we not able to send me the documents requested validating these accounts including contracts bearing my signature. Delete all accounts mentioned in the attached FTC report. 
XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX : Account number XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX  Account number XXXX XXXX  Account number 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 2025-05-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Unauthorized Credit Reporting Violation of FCRA 15 U.S. Code 1681b Account Name : XXXX XXXX Account Number : XXXX Dear To Whom It May Concern, I am writing to formally dispute the reporting of the account listed above on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes, one of which includes written authorization from the consumer. I did not provide XXXXXXXX XXXX with written consent to access or furnish my consumer information to the credit bureaus. Therefore, the presence of this account on my credit file appears to be a violation of federal law and constitutes an unauthorized furnishing of my credit information. In light of this, I am requesting the immediate deletion of this account from my credit report. If this item can not be verified with documentation of my written consent, it must be removed in accordance with the FCRA. Please investigate this matter and provide the results of your investigation within 30 days, as required by law. If you continue to report this account, I request copies of any documentation that proves my written authorization was given to furnish or report this information. Thank you for your prompt attention to this matter. Sincerely, XXXX 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