vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: 1st Franklin Financial Corporation
State: FL

Complaint narrative:
I previously filed CFPB complaint # XXXX regarding a fraudulent account being reported by 1st Franklin Financial Corporation that I never opened. 

On XX/XX/year>, 1st Franklin acknowledged my complaint in writing and stated that branch staff would contact me to investigate the identity-theft claim. I was never contacted by anyone, and no investigation results or verification were ever provided. 

It has now been more than 60 days since their acknowledgment, and the account is still appearing on my credit reports. This is a failure to investigate and respond as required by the Fair Credit Reporting Act 623 ( a ) ( 8 ) and 611, which obligate furnishers to conduct a reasonable investigation of consumer disputes within 30 days. 

I am a documented victim of identity theft. I have an FTC Identity-Theft Report and supporting identification ready to provide. I request that the CFPB open a new investigation and require 1st Franklin Financial Corporation to : 1. Conduct a proper FCRA-compliant investigation of this account ; 2. Provide me with copies of any application or records allegedly associated with the account under FCRA 609 ( e ) ; and 3. Permanently delete and cease furnishing this fraudulent account to all credit reporting agencies. 

The companys failure to follow through on their written promise to contact me and investigate is causing ongoing credit damage and distress. I ask the CFPB to intervene to ensure compliance and removal of this inaccurate information. 

Requested resolution : Immediate deletion of the fraudulent account from all credit bureaus Written confirmation of the investigation results Assurance that the company will cease furnishing inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: MA

Complaint narrative:
I am writing to formally dispute and request immediate investigation and correction of an invalid debt currently being reported on my credit report by XXXX XXXX XXXX. 

This alleged debt is associated with an emergency room visit I had inXX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, Florida. During that visit, I was treated by an ER physician contracted through XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX billed my insurance incorrectly using an invalid member ID number, resulting in the claim being denied. 

At the time of my visit, I had no knowledge of this billing error. As a patient, when I walk into an emergency room, I do not expect to receive multiple bills from separate contracted providers, nor do I expect to be held financially responsible for administrative billing mistakes. I also want to note that I have never received a single phone call, letter, or email notifying me of this outstanding balance or giving me an opportunity to correct the issue before it was sent to collections. 

Now, nearly XXXX years later, I have discovered this debt of {$2400.00} on my credit report. When I contacted XXXX XXXX XXXX, I was told there was no way to fix the matter and that I should simply settle the debt. However, I have confirmed directly with my insurance company,XX/XX/XXXXXXXX, that they will fully cover this visit once it is resubmitted correctly with my accurate insurance information. 

To resolve this issue, I have taken the following steps : Contacted XXXX XXXX XXXX, who informed me their billing has been transferred to XXXX XXXX. 
Attempted to contact XXXX XXXX repeatedly, but their phone lines are continuously busy and no one has returned my calls or emails. 

I have made every effort to resolve this responsibly, yet I am unable to reach anyone who can take action. This situation is causing unnecessary stress and is unfairly damaging my credit, despite the fact that my insurance is ready to pay this claim once it is correctly submitted. 

For your reference :XX/XX/XXXXXXXX ID : XXXXXX/XX/XXXX Invoice Number : XXXX Claim Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I've received numerous calls complaints every other day as recent as Friday XXXX, emails sent as recent as XX/XX/XXXX, letters mailed out on XXXX, XX/XX/XXXX stating I owe a debt to them of {$930.00} from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am disputing the Capital One account appearing on myXX/XX/XXXX and XX/XX/XXXXreports. Capital One is reporting inconsistent dates of first delinquency and balances across the XXXX bureaus, violating FCRA XXXX ( b ). Under FCRA XXXX ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC XXXX ( a ) ( XXXX ) ( A ), univerifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SC

Complaint narrative:
I am disputing the XXXX XXXX account appearing on my XXXX XXXX, and Transunion reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), univerifiable information must be deleted. Please remove this account immediately.

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 2025-10-12 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: SC

Complaint narrative:
I am disputing the XXXX XXXX account appearing on my XXXX, Experian, and XXXX  reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), univerifiable information must be deleted. Please remove this account immediately.

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 2025-10-12 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: FL

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report and I found this inaccurate fraud collection account that shall delete from my credit report. 

Someone stole my identity and opened an account with XXXX  and now these collections company keep threating me. 

I am aware that as per 15 U.S.C. Sec. 1861 i ( a ), you are required to delete this inaccurate collection from my credit report within 30 days.

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 2025-10-12 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I discovered a collection account from Radius Global Solutions LLC appearing on my XXXX  credit file for XXXX, allegedly owed to XXXX XXXX. 

I was never notified of this account before it appeared on my credit report. I have not received any written notice, validation letter, or documentation showing a signed agreement, billing history, or proof that Radius Global Solutions has the legal right to collect or report this debt. 

I disputed the accuracy of this tradeline as it remains unverifiable and incomplete. Despite the lack of validation, the company continues to report this account as an active collection, last updated XX/XX/XXXX, with an estimated removal date of XX/XX/XXXX. 

This continued reporting and failure to provide verification violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I am requesting immediate cessation of collection activity and permanent deletion of this tradeline from all credit bureaus unless full legal validation is produced.

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 2025-10-12 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: CA

Complaint narrative:
XX/XX/XXXX bank acct unknown. 
This account. 
Does not belong to me. 
Although I was used as a joint account holder I never authorized it. I made several attempts to contact this bank. as a Charge-off with a balance owed after being sold to collections, which constitutes double reporting in violation of the FCRA and CFPB guidelines. Request : Remove this du [ ... ]

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 2025-10-12 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: CA

Complaint narrative:
XX/XX/XXXX bank acct unknown. 
This account. 
Does not belong to me. 
Although I was used as a joint account holder I never authorized it. I made several attempts to contact this bank. as a Charge-off with a balance owed after being sold to collections, which constitutes double reporting in violation of the FCRA and CFPB guidelines. Request : Remove this du [ ... ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a loan agreement with XXXX XXXX for the amount of {$750.00}. Shortly after approval, I made my first payment of {$210.00}. When I reviewed the contract in detail after making this payment, I discovered that the loan carried an Annual Percentage Rate ( XXXX ) of 778.37 %. This extreme rate was never clearly disclosed or explained at the time I accepted the loan. 

XXXX XXXX misrepresented the loan terms and provided false or misleading information about the cost of the loan. I was led to believe that I was receiving a short-term personal loan with a standard, reasonable interest ratenot one that would result in excessive and predatory charges. 

After noticing the undisclosed high interest rate, I contacted XXXX XXXX to seek clarification and request an adjustment. However, the company failed to provide a valid explanation or resolution. Their response raised additional concerns about their lending practices and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters ( NCA  ) is attempting to collect an alleged debt on behalf of XXXX XXXX. I have never had an account with XXXX XXXX, nor have I received any prior communication from NCA  regarding this debt. When I contacted XXXX XXXX directly, they were unable to confirm the account or the alleged debt. Further research shows that XXXX XXXX  operates as a XXXX XXXX XXXX XXXX ( XXXX  ), the actual lender is an unaffiliated third party, and XXXX XXXX right to transact business in XXXX  has been forfeited. Therefore, it is unclear how NCA could legally collect on behalf of a business that lacks authority to operate. 

NCA has failed to provide required validation of this alleged debt, including : an explanation of the balance, a complete XXXX XXXX and payment history, documentation showing NCAs authority to collect, a copy of NCAs state license, and the purchase or forward flow agreement. 

By attempting to collect this unverified debt, NCA is engaging in deceptive and misleading practices, in violation of 15 U.S. Code 1692j, which prohibits creating the false belief that a third party is participating in the collection of a debt when they are not. Additionally, under 15 U.S. Code 1692k, I am entitled to statutory damages for these violations, as they have caused harm to my reputation and character. 

I request that CFPB investigate NCAs actions, require them to cease all collection attempts, and ensure that any reporting of this alleged debt is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
Im having a problem with Sezzle, a Buy Now, Pay Later company. I tried to contact their customer support to fix an issue with my account, but they never responded in time. Because of their slow response, I missed the grace period to make a payment, and now theyre charging me three {$17.00} fees and three {$6.00} for failed payment fee. I told Sezzle Im willing to pay the {$6.00} fee for the failed payment, but Im not paying the rest because they didnt help me when I reached out. I asked them to waive the extra fees, but they say they can't waive fees. 

The fees they charge are ridiculous XXXX {$5.00} for each " loan '' {$6.00} for a failed payment, plus around {$17.00} fees for each payment that just kept adding up because of their terrible system. You cant even see which card or bank account is being used for each purchase. I lost my debit card and couldnt check or change the payment method, so the payment failed, and they still charged me fees. My card was canceled, but they kept trying to charge it, racking up more fees when it got declined. It feels like they set it up this way to XXXX you over with extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
This letter serves as a formal cease and desist from any further collection activity and a debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g ( b ). I am asserting my rights as a consumer under federal law to request full validation of the alleged debt your company is reporting and attempting to collect.

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 2025-10-12 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery is reporting on my credit. Asked for debt validation and submitted cease and decist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX, also known as XXXX XXXX XXXX, is reporting an account that I have identified as fraudulent. The company has appeared under XXXX separate names on my credit reports XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on Equifax which I recently learned are the same entity. This creates confusion and inaccurate double-reporting. 

I filed previous CFPB complaints ( IDs : XXXXXXXX XXXX XXXXXXXX ). In response, the company stated that it conducted an identity theft investigation and concluded the account was valid. However, they did not provide any documentation proving I personally applied for or received the funds, such as a signed loan contract, in-branch photo evidence, IP address, or device information. 

I am a documented victim of identity theft and have provided an FTC Identity Theft Report. The companys investigation relied solely on information that could have been used fraudulently ( e.g., my XXXX and XXXX ). 

Additionally, the company sold this alleged account to XXXX XXXX XXXX in XXXX but continues to report or furnish information under multiple names. This may violate FCRA 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) since the data is inaccurate, misleading, and not marked as disputed. 

I am requesting : XXXX. Immediate deletion of the account from all credit bureaus ; XXXX. Confirmation that both XXXX XXXX XXXX and XXXX XXXX XXXX entries are linked to the same account and will be corrected ; XXXX. Copies of the original signed application and verification documents under FCRA XXXX ( XXXX ) ; XXXX. That this tradeline be properly updated as disputed and fraudulent until resolved. 

Requested resolution : Deletion of the fraudulent account ( s ) from all credit bureaus Confirmation of single, accurate reporting name Written proof of identity verification process Compliance with FCRA 609 ( e ) and 623 obligations Attach : The companys XX/XX/XXXX letter My FTC Identity Theft Report Screenshot of both tradelines ( XXXX XXXX & XXXX XXXX ) on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: KY

Complaint narrative:
TransUnion is reporting duplicate information for the same debt. The original creditor, XXXX XXXX  ( XXXX XXXX ), and the debt buyer, XXXX XXXX XXXX, are both listed on my credit report with the same balance of {$590.00}. 

Neither account shows that the debt was sold or transferred, and both report an active balance. This makes it appear that I owe XXXX separate debts when there was only XXXX. 

I have disputed this issue previously, but TransUnion failed to correct the duplication or properly update the original tradeline. This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require TransUnion to ensure accuracy and perform a reasonable reinvestigation.

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 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
A XXXX  party is attempting to collect a debt for the cash store. This debt is over XXXX XXXX XXXX. I was threatened and told a civil lawsuit had been filed to collect over {$3000.00}. I am a recent widow raising XXXX children. This debt should be resolved or null and void. I believe it was taken care of XXXX  years ago. Im not even sure if its my debt. I have a name on my credit report that is not mine and have been trying to get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I never had a XXXX account under my name an this is reporting wrong on all XXXX credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
check has an exceptions/admin hold on it that already got resolved its just pending idk.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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