vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state. 
5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting a fair and accurate representation of my credit report. For each collection account, I ask for a thorough review and verification of accuracy in accordance with 15 USC 1681e ( b ) and 15 USC 1681i. If any collection accounts can not be verified as accurate, I request that they be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group
State: AZ

Complaint narrative:
Received notice of judgement dated XXXX, XXXX  from XXXX today. 
They filed one in XXXX again on XX/XX/XXXX, a lien was filed too. 
Now theres a judgement filed XX/XX/XXXX, XXXX I never received anything prior to this. 
It says I paid XXXX of a XXXX debt. 
Nobody contacted me to make any payments or notify I can dispute. 
As of XX/XX/XXXX the total was XXXX. 
Now its XXXX. 
Any help would be greatly appreciated 15 years is a long time and I paid the majority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> my title company sent Capitol One a 14 day payoff for my truck in the full amount of XXXX. Now the are refusing to send my title and charging me a interest payment for {$140.00}. I have never paid this loan late not one time. I called and asked to speak to a sup and was told no. All calls are sent over seas and they refuse to help me saying I can't get my title until I pay the {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: KS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report multiple violations by XXXX XXXX XXXX  regarding their handling and reporting of my account. Their actions have caused significant harm to my credit profile and have directly interfered with my ability to purchase a home. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and Kansas state law. 

XXXX. Multiple 1099-C Forms Issued XXXX XXXX XXXX  has issued three separate 1099-C forms for the same account over different years. This is misleading and creates confusion regarding the status and resolution of the alleged debt. The issuance of multiple 1099-C forms for a single account is highly irregular and raises concerns about the accuracy and intent of their reporting. 

2. Lawsuit Dismissed Without Prejudice XXXX XXXX XXXX previously initiated a lawsuit against me to collect on this debt. However, there is a journal entry of dismissal without prejudice, meaning no judgment was entered and the matter was not resolved in their favor. Despite this dismissal, the bank continues to take actions as if the debt is active and collectible. 

3. Attempted Double Recovery and Discrepancies in Amounts I am also concerned that XXXX XXXX XXXX  has attempted to double dip or recover more than is legally owed. In the lawsuit, they sued for a principal amount of {$6400.00}. However, the 1099-C forms they issued only list a charged-off amount of {$3100.00}, and my credit report currently shows a balance of {$4100.00}. These inconsistent amounts raise serious questions about the accuracy and legality of their collection and reporting practices, and suggest an attempt to recover the same debt multiple times or for different amounts. 

4. Illegal Re-aging of Debt on Credit Reports According to my TransUnion credit report generated on XX/XX/XXXX, the account in question was reported as closed as of XX/XX/XXXX. However, more recent credit reports now list the account as reopened and show a new closure date of XX/XX/XXXX. This constitutes illegal re-aging of the debt, as creditors are prohibited from altering the original date of first delinquency or closure to extend the time negative information remains on a credit report. I have attached copies of my credit reports to demonstrate this change. 

5. Unauthorized Hard Inquiries XXXX XXXX XXXX  has also made hard inquiries on my credit report without my authorization. This is a violation of XXXX. XXXX, which prohibits credit inquiries without consumer consent, and further damages my credit standing.

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 2025-04-17 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: KS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report multiple violations by XXXX XXXX XX/XX/XXXXregarding their handling and reporting of my account. Their actions have caused significant harm to my credit profile and have directly interfered with my ability to purchase a home. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and Kansas state law. 

1. Multiple 1099-C Forms Issued XXXX XXXX XX/XX/XXXXhas issued three separate 1099-C forms for the same account over different years. This is misleading and creates confusion regarding the status and resolution of the alleged debt. The issuance of multiple 1099-C forms for a single account is highly irregular and raises concerns about the accuracy and intent of their reporting.

2. Lawsuit Dismissed Without Prejudice XXXX XXXX XX/XX/XXXXpreviously initiated a lawsuit against me to collect on this debt. However, there is a journal entry of dismissal without prejudice, meaning no judgment was entered and the matter was not resolved in their favor. Despite this dismissal, the bank continues to take actions as if the debt is active and collectible. 

XXXX. Attempted Double Recovery and Discrepancies in Amounts I am also concerned that XXXX XXXX XX/XX/XXXXhas attempted to double dip or recover more than is legally owed. In the lawsuit, they sued for a principal amount of {$6400.00}. However, the 1099-C forms they issued only list a charged-off amount of {$3100.00}, and my credit report currently shows a balance of {$4100.00}. These inconsistent amounts raise serious questions about the accuracy and legality of their collection and reporting practices, and suggest an attempt to recover the same debt multiple times or for different amounts.

4. Illegal Re-aging of Debt on Credit Reports According to my TransUnion credit report generated on XX/XX/XXXX, the account in question was reported as closed as of XX/XX/XXXX. However, more recent credit reports now list the account as reopened and show a new closure date of XX/XX/XXXX. This constitutes illegal re-aging of the debt, as creditors are prohibited from altering the original date of first delinquency or closure to extend the time negative information remains on a credit report. I have attached copies of my credit reports to demonstrate this change. 

5. Unauthorized Hard Inquiries Southwest National Bank has also made hard inquiries on my credit report without my authorization. This is a violation of K.S.A. 50-718, which prohibits credit inquiries without consumer consent, and further damages my credit standing.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report multiple violations by XXXX XXXX XXXX regarding their handling and reporting of my account. Their actions have caused significant harm to my credit profile and have directly interfered with my ability to purchase a home. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and Kansas state law. 

1. Multiple 1099-C Forms Issued XXXX XXXX XXXX  has issued three separate 1099-C forms for the same account over different years. This is misleading and creates confusion regarding the status and resolution of the alleged debt. The issuance of multiple 1099-C forms for a single account is highly irregular and raises concerns about the accuracy and intent of their reporting. 

2. Lawsuit Dismissed Without Prejudice XXXX XXXX XXXX  previously initiated a lawsuit against me to collect on this debt. However, there is a journal entry of dismissal without prejudice, meaning no judgment was entered and the matter was not resolved in their favor. Despite this dismissal, the bank continues to take actions as if the debt is active and collectible. 

XXXX. Attempted Double Recovery and Discrepancies in Amounts I am also concerned that XXXX XXXX XXXX has attempted to double dip or recover more than is legally owed. In the lawsuit, they sued for a principal amount of {$6400.00}. However, the 1099-C forms they issued only list a charged-off amount of {$3100.00}, and my credit report currently shows a balance of {$4100.00}. These inconsistent amounts raise serious questions about the accuracy and legality of their collection and reporting practices, and suggest an attempt to recover the same debt multiple times or for different amounts. 

4. Illegal Re-aging of Debt on Credit Reports According to my TransUnion credit report generated on XX/XX/XXXX, the account in question was reported as closed as of XX/XX/XXXX. However, more recent credit reports now list the account as reopened and show a new closure date of XX/XX/XXXX. This constitutes illegal re-aging of the debt, as creditors are prohibited from altering the original date of first delinquency or closure to extend the time negative information remains on a credit report. I have attached copies of my credit reports to demonstrate this change. 

5. Unauthorized Hard Inquiries XXXX XXXX XXXX  has also made hard inquiries on my credit report without my authorization. This is a violation of XXXX. XXXX, which prohibits credit inquiries without consumer consent, and further damages my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I submitted a third formal dispute to TransUnion regarding inaccurate reporting of XXXX alleged XXXX late payments on account BRCLYSBANKDE XXXX, for the months of XXXX and XXXX. Despite multiple prior disputes, TransUnion failed to provide documentary evidence to justify the reporting, including original billing statements or any verification proving when the payment was considered late.

The dispute was not resolved through a manual reinvestigation, as required under 15 U.S.C. 1681i ( a ). The agency appears to have relied on automated systems, contrary to the standards set forth in XXXX v. Experian and XXXX XXXX Trans Union. 
This failure to verify violates 15 U.S.C. 1681e ( b ) and 1681i, as well as 15 U.S.C. 1666b, which requires billing statements to be delivered at least 21 days before the due date. 
I have already filed a formal complaint with the Office of the Comptroller of the Currency ( OCC ) regarding the furnisher of this data.

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 2025-04-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting a fair and accurate representation of my credit report. For each collection account, I ask for a thorough review and verification of accuracy in accordance with 15 USC 1681e ( b ) and 15 USC 1681i. If any collection accounts can not be verified as accurate, I request that they be removed from my credit report.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dispute of Unauthorized Account Opening - XXXX XXXX Account Number : XXXX To : Wells Fargo From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute an account opened in my name at your institution without my knowledge or authorization. I recently discovered that a checking account was opened, and I am requesting that it be closed immediately and that all charges and fees associated with this unauthorized account be removed from my credit history I recently attempted to open a banking account with a different financial institution, but I was informed that the request was denied due to an outstanding balance on an account with Wells Fargo. Upon investigating the matter, I contacted Wells Fargo and discovered that the account in question was opened fraudulently. 

I would like to formally report that the Wells Fargo account was not authorized by me. My identity was stolen a few years ago, and unfortunately, this is not the first time fraudulent accounts have been opened in my name. I recently became aware that this particular Wells Fargo account was opened without my knowledge or consent. 

I am actively working to resolve this issue and would appreciate any support in correcting the record and ensuring that I am not held responsible for any debt or activity related to this fraudulent account. 

Please let me know what documentation is needed to proceed with an official fraud investigation. 

Thank you for your time and assistance.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ET I made a payment transfer from my Citi checking account to pay off part of my Citi credit card statement for a payment amount of XXXX . I immediately recognized an issue when the transfer did not reflect on the credit card side while taking money out of my checking account as it has normally been an instantaneous process beforehand. I then called later on XX/XX/XXXX to simply follow up about the issue. I was told to give it 24-48 hours as its the weekend. Come Tuesday the XXXX the transfer is still not reflecting on the credit card side. Worried, I called again, where I was then informed that the credit card company can not find my payment. So now XXXX $ has left my checking account, without reflecting on my credit card statement, and the credit card company can not locate where my $ went. I was told that my XXXX $ mightve been sent to another persons account, which then baffled me. This seems like a huge violation of my rights and trust as a consumer, as I have my life savings in this bank. I still not have gotten what was told to me as a conditional credit, which frankly is disrespectful that I have not received credit for a mistake in their end and they call it conditional as if they are doing me a favor. The senior account manager told me an investigation had started but never gave me the number. Today on the XXXX I went in person to my local Citi branch. An investigation was also made on the banking side, with the case # XXXX. My local banker said that he has never seen this issue happen in his 13 years of banking and the woman on the line was equally confused. Im honestly pretty worried as I dont feel like I can trust my bank with my $ anymore and dont know how to navigate this field. I was just trying to pay off my credit card like I always do and would just like this issue to be resolved. I am not trying to make any more payments on the card as Im not sure they will even go through, and am now having automatic payments due which I do not want to miss as Im very punctual with my payments. If I could get the proper assistance that would be great as I just want this to be over.

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 2025-04-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have no knowledge of these accounts, they do not have any proof or written consent of these. I have asked the credit agencies numerous times to remove them and they have not. I might have been a victim of identity theft. 

XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XX/XX/XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/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 2025-04-17 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: MO

Complaint narrative:
I have no knowledge of these accounts, they do not have any proof or written consent of these. I have asked the credit agencies numerous times to remove them and they have not. I might have been a victim of identity theft. 

XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XX/XX/XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/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 non-monetary relief