vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Regional Management Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXX XXXX  Attn : Customer Service/ Collections Department RE : Cease and Desist Request - Account No. XXXX To Whom It May Concern : I am writing to formally request that Regional Finance cease all communication with me regarding the above-referenced account. 
This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are required to stop all forms of contact with me, including phone calls, letters, emails, text messages, or any other method of communication.

You may only contact me if the FDCPA permits it, such as to inform me that you are ending further collection efforts or to notify me of specific legal actions you intend to take.

Please update your records to reflect this cease-and-desist demand. 
Sincerely, Is/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FC HoldCo LLC
State: FL

Complaint narrative:
Car finance is trying to charge me {$9000.00} for a car that was not my car and does not have proper information or any of that nature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: OK

Complaint narrative:
Commerce Bank offered a promotion for opening a new checking account. Under the terms and conditions, direct deposit of greater than {$5000.00} within 90 days would give the account holder {$700.00} from the bank as long as the account holder was targeted via advertisement. 

I got the promotion via my XXXX feed and upon seeing the advertisement, I went in person in XXXX to XXXX XXXX Ok branch to confirm the terms and open the account. The employee at branch assured me I would qualify as XXXX online advertisement is a targeted ad. I believe, this information was also corroborated via someone else the employee talked to in management. 

Upon receiving this information, I proceeded with opening the account and satisfied the direct deposit terms. The bank has since refused to do the payout. When inquired why I wasn't given the payout, I was told my name was not on the marketing list. I informed them I inquired if online targeted ad would count prior to opening the account and was assured by their employee it was. 

I have since not got any response nor given the payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX Dear LJ Ross Associates Inc , This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX Page 1 CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern at the Credit Reporting Agency : This letter disputes the reporting of the above-referenced debt, which originated from a lawsuit filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX ). 

Justification for Deletion : Court Dismissal : The entire case was DISMISSED FOR WANT OF PROSECUTION by XXXX XXXX XXXXXXXX on XX/XX/year>. 

No Finding of Guilt : This dismissal is not a judgment against the consumer. It means the plaintiff failed to pursue their claim, resulting in the case being thrown out. 

Inaccurate Reporting : Since the underlying legal claim was dismissed by court order, the record is no longer accurate or verifiable. 

Demand : I demand the immediate complete deletion of all information related to this account and litigation from the credit file of XXXX XXXX XXXX. 

A copy of the " DISMISSAL FOR WANT OF PROSECUTION '' court order is attached.

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 2025-11-23 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: Bounce AI, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I initiated a wire for {$10000.00} at XX/XX/XXXX on XXXX at XXXXXX/XX/XXXXXXXX ). The wire was sent by XXXXXX/XX/XXXXto Chase Bank account # XXXX on XXXX at XXXX. The beneficiary was named as XXXX XXXX XXXX. The wire was immediately rejected on Chase Bank 's end due to the receiving account not allowing wire transactions. The account was a Secure Banking Checking account which is a Chase product that does not accept wire transfers. Chase Bank employees at the XXXX XXXXXX/XX/XXXX branch have verified that the money was immediately rejected and sent back to XXXXXX/XX/XXXXat XXXX on XXXX. The money never posted to the Chase account on the receiving end. We also discovered that the account was in the name of XXXX XXXX XXXX. This is second reason why the money did not post to the receiving account. The beneficiary info did not match. I have tried to call Chase 's wire department but they refuse to give me any further info on the return of my {$10000.00}. I do not have the money returned to my account and it has been 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Leafy Financial, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife and I received 3 letters from Capital One two dated XX/XX/year> and one dated XX/XX/year>. The letters stated that " As part of our efforts to comply with federal law, we need to gather and maintain certain information about our customers. We took at look at this account and noticed that some information is missing or may be inaccurate ''. The letters went on to request the primary or secondary account holders Tax ID Number and provided what documents needed to be sent to verify this and the two methods for sending the documents either fax or mail, neither of which is a secure method of sending information. The documents Capital One wanted sent by an unsecure method were a copy of my drivers license and a copy of my social security card. Two pieces of information that in the wrong hands could be a catastrophe for me. On XX/XX/XXXX I contacted Capital One and spoke with a representative who identified himself as XXXX. After a lengthy discussion I provided the representative with my social security number and was told that I was " all set ''. On XX/XX/year> while attempting to use my credit card I learned it was suspended. I contacted Capital One sever more times speaking with the Fraud Department and the Escalations Department but was unable to resolve this issue. My one account that was suspended was a rewards account with a balance of rewards due me of {$120.00}. My first complaint is that Capital One should not be allowed to require customers to provide sensitive information by unsecure methods exposing its customers to potential financial harm. Second Capital One should not be allowed to seize a customers earned rewards. If Capital One suspends an account they should still be required to pay out earned rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: MD

Complaint narrative:
I am the court-appointed legal representative of the estate of a deceased Kraken account holder. I submitted all the documents requested by Kraken in late XX/XX/year>. Kraken continued to request additional documents over the following weeks, which I provided immediately each time. After nearly a month of back-and-forth, Kraken confirmed on XX/XX/year>, that the account contained approximately {$2500.00} in assets ( mostly XXXX ). They stated that cryptocurrency prices fluctuate and encouraged urgency, yet they continued to delay releasing the funds. 

Kraken informed me that a video call was the final step to grant access. I completed their scheduling form the same day and selected availability for NovemberXX/XX/2021. No one ever scheduled the call, and those dates passed with no contact or follow-up. I have complied with every request and have repeatedly asked for next steps and liquidation of the assets. Kraken has not released the funds and has not scheduled the verification call. 

Because XXXX has declined significantly in value over the past three weeks, the estate has experienced financial harm due to Krakens unnecessary delays. This matter is legally straightforward the company has acknowledged the estate documentation and acknowledged the account balance but has delayed access and action without justification. I am seeking intervention so that Kraken immediately completes verification, releases the assets, and explains why the process was delayed despite full compliance on my part.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Madison Auto, LLC
State: IL

Complaint narrative:
I sent a cease and desist letter to the company for reporting inaccurate information to a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My account has been closed, but there is still a balance of over {$500.00} in it. I haven't received the check for closing the account, and I have moved. I requested Wells Fargo to resend the check to my new address, but they refused, insisting that I go to their branch. However, I am unable to leave my home, and I am 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 2025-11-23 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
My vehicle was wrongfully repossessed by Bridgecrest Credit Company in XX/XX/year> despite the fact that I have never missed or been late on any payments. My account was current at the time of repossession, and no notice of default was provided. 
This action has caused significant hardship, including loss of transportation and potential damage to my credit report. I believe this constitutes a violation of federal consumer protection laws, including the Fair Debt Collection Practices Act, as well as breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name XX/XX/3793

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: Self Financial Inc.
State: MD

Complaint narrative:
My complaint is regarding XXXX XXXX  / Self Financial Inc is furnishing inaccurate information about my account to XXXX, and XXXX  is continuing to display data that contradicts the true status of the account. 

Creditor / Furnisher : XXXX XXXX  XXXX Self Financial Inc Account XXXX : XXXX This account is reported on my XXXX  credit file as Paid and Closed with a zero balance, but the payment history still shows a XXXX late in XX/XX/year> and a XXXX late in XX/XX/year>. These late-payment codes conflict with the final account status. A paid and closed account with no remaining balance can not continue to show delinquency indicators, because there is no active obligation and no outstanding debt. 

This creates a clear contradiction in my credit file and results in information that is not accurate, complete, or reflective of the true status of the account. The reporting is misleading because it suggests an unresolved past-due condition even though the account is fully satisfied and closed. 

Under 15 U.S.C. 1681s-2, furnishers have a legal obligation to supply information that is accurate and not misleading, and to correct or delete any information that becomes inaccurate or can not be verified. Once this account was paid and closed, the continued reporting of late-payment markers became inaccurate because they no longer align with the final status of the account. 

I am requesting that the CFPB require XXXX XXXX  / Self Financial and XXXX  to correct the reporting so it accurately reflects Paid / Closed/ Pays As Agreed, and to remove the inaccurate XX/XX/year> ( XXXX late ) and XX/XX/year> ( XXXX late ) indicators. These late codes can not be verified as accurate in light of the final account status, and therefore should not remain in my credit file. 

I am requesting an immediate correction and confirmation once the inaccurate information has been updated.

Company response to consumer: Closed with explanation