vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NJ

Complaint narrative:
I obtained a loan from Bankers Healthcare Group ( BHG Financial ) as a sole proprietor, not a corporation. The loan was presented as a business loan with a nominal interest rate of 19.99 %, but the structure causes negative amortizationeven after paying approximately {$30000.00}, my balance continues to increase. 

When I experienced financial hardship, BHG and its collection agency XXXX required me to sign multiple Stipulations of Settlement filed in XXXX XXXX, New York, each of which waived my defenses and allowed immediate judgment without notice. I live in New Jersey, so the jurisdiction and process are unfair and confusing. 

Recently, XXXX threatened that collection efforts will continue and legal action can take place unless I signed another stipulation immediately. I asked for an accounting and legal review, but they refused to pause collection or provide a clear payment ledger. 

I believe the loan and collection practices are predatory, deceptive, and violate federal consumer protection standards. I am seeking : A full review of my loan terms and interest calculation, An accounting of all payments made, Relief from coercive or unfair collection practices by XXXX, and Oversight of BHGs use of New York courts to enforce confessions of judgment against out-of-state consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital SPV , LLC is reporting late payment activity on a disputed, purchased account ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; SOC Ref. XXXX ). Their validation packet lacks account-specific chain of title or itemized accounting. They continue furnishing without coding as disputed, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), 623 ( b ) and FDCPA 807 ( 8 ). I request deletion of the tradeline and cessation of collection. Also spring oaks is reporting the same debt several times under different tradelines, violating 15 U.S.C. 1681s-2 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1000.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NM

Complaint narrative:
I lost my ATM card and I provided my ID and they said it is not good enough and they won't send me a new card and I have not got my XXXX check in XXXX  months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Unfortunately, I didnt record the calls, but I can try again with recording if its needed. They told me I was violating their policies by not verifying my first and last name to them. I did tell them my first name when I called and gave them the reference number in the original email I recieved. I originally tried to contact them via email, as thats most convenient for me. There shouldnt be a reason they respond to my emails once, telling me to call. For a while, they completely ignored any emails I sent to them. On the phone, they refused to send me a debt validation letter when I asked because I wouldnt tell them my full name. If its entirely not even my loan, I dont want to give them any information if they already have it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MO

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MO

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act..

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 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
Ive been disputing this information for over XXXX  years. Ive asked for proof of debt with ALL information sent to me. They refuse to do so and the address listed is in XXXX! I live in Iowa! Ive sent numerous FTC reports and their web form affidavits yet on XX/XX/year> they refunded XXXX of the loans but cant explain why. They just keep telling me Im responsible but refuse to send the documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received a collection letter from Portfolio Recovery Associates ( PRA ) claiming I owed a debt originally from XXXX XXXX, sold to PRA in XX/XX/XXXX. 

I sent PRA a written dispute requesting full debt validation, including the original signed agreement, a complete payment history, and the purchase or assignment agreement proving PRAs legal ownership of the account.

PRA responded by calling my dispute frivolous and asking me to restate it, without providing any of the requested documentation. This response fails to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires a debt collector to validate a debt before attempting collection.

I am requesting that PRA cease all collection activity until full validation is provided. I also request that the CFPB review PRAs conduct, as their continued attempts to collect a debt without proper documentation may be a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: LEXISNEXIS
State: AL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my TransUnion credit file by individuals using my stolen information. 

I have submitted a police report with the XXXX Police Department ( Case No. XXXX ) confirming this crime. I have also mailed TransUnion a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries. 

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities. 

I am asking the CFPB to compel XXXX to : Block and delete all fraudulent accounts and inquiries. 

Provide written confirmation of the completed investigation. 

Ensure that no adverse data linked to the identity theft remains in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I financed a vehicle through TD Auto Finance. Unfortunately, I was incarcerated and unable to make my payments during that time. In late XX/XX/2024, the vehicle was repossessed. 
On XX/XX/2024, I received a phone call from TD Auto Finance, and I informed them that the vehicle had already been repossessed. Despite this, I have continued to receive negative credit inquiries and reporting activity related to this account even after the repossession took place. 
This appears to be a violation of credit reporting regulations, as no new inquiries or updates should be reported after the repossession was finalized. I am requesting that these improper inquiries and any inaccurate reporting connected to this account be removed from my credit report and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 10006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer USA repossessed my XXXX XXXX XXXX without properly notifying me. All communications regarding the repossession were sent to an outdatedXX/XX/XXXXaddress, despite Santander having my current address inXX/XX/XXXX( where I was making payments and receiving prior correspondence ). This failure to notify me violated consumer protection laws regarding proper notice before repossession. 

In addition, I submitted a claim to Santander for personal property left inside the vehicle at the time of repossession, including : {$2000.00} in cash A XXXX XX/XX/XXXX worth {$400.00} A XX/XX/XXXX computer Other personal items ( with photos and receipts submitted ) Despite my timely communications and evidence, Santander responded by stating they were not responsible for any items inside the car. I was never contacted directly or given a fair opportunity to recover my property, and the supposed notices were sent to the wrong state. 

Santander also sold the vehicle at an unusually low amount and is now charging me a {$12000.00} deficiency balance. I believe the sale price was not reflective of the fair market value of the vehicle, which I would have disputed if I had been properly informed. 

Furthermore, Santander continues to report late payments on my credit report, even though the account was charged off. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, creditors can not continue reporting it as late. This is damaging my credit and is not compliant with accurate credit reporting obligations. 

Santander has been subject to multiple lawsuits and regulatory actions over improper auto lending and repossession practices, including a {$550.00} XXXX settlement with 34 states in XXXX for exposing consumers to high-risk auto loans. My experience is consistent with these patterns of misconduct. 

I am requesting : Immediate correction of inaccurate credit reporting A full review of the sale process and a breakdown of the vehicle sale and fees Full reimbursement or compensation for the loss of my personal items A waiver of the deficiency balance due to improper notice and handling I have contacted Santander several times by mail and email with documentation and have received no fair resolution. This experience has caused extreme financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This complaint concerns improper billing by XXXX XXXX company following timely auto and home policy cancellation request, failure to issue refunds for my home and condo policies, and the false reporting of an alleged debt on my credit file. Despite numerous attempts to resolve the matter with XXXX, including written correspondence and calls, the issue remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I am a victim of identity theft, and fraudulent banking information was added to my consumer file without my authorization. My XXXX Bank account ( Routing # XXXX / Account # XXXX ) was compromised, resulting in inaccurate and damaging information being reported. 

I submitted a formal dispute directly to the companys Fraud Department, including my police report ( Report No. XXXX ) and a utility bill verifying my identity. Despite providing this documentation, the fraudulent account and inquiries have not been deleted. 

I am requesting that the CFPB ensure full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), which requires that information resulting from identity theft be blocked from consumer reports. 

I am asking that the company permanently remove all fraudulent banking data, inquiries, and related negative entries from my file and provide written confirmation of deletion.

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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
am writing to dispute an account that is being inaccurately reported on my credit file. The account appears as LVNV Funding LLC with the original creditor listed as XXXX XXXX XXXX. I have never opened or authorized any account with XXXX XXXX XXXX, and this debt does not belong to me. 

Please reinvestigate this matter and provide : Verification that the account belongs to me ; The documents used to verify the debt ; Any application or signature associated with this account. 

If you can not verify the account with supporting documentation, please delete it from my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

I have never had an account nor attempted to open account with XXXX  XXXX XXXX. When I asked for the debt to be validated they were not able to provide any documentation associated to me. They simply mark the debt is validated which is untrue this is a fraudulent account and needs to be handled as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: IL

Complaint narrative:
This is a supplemental submission to complaint ID XXXX. I am attaching XXXX exhibits : ( XXXX ) a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, and ( XXXX ) my XXXX  credit report dated XX/XX/year>. These documents show how the furnishers responded to my formal disputenot by honoring the payment arrangement or providing the requested documentation, but by updating an already existing tradeline with even more damaging and inaccurate information. The updated balance does not reflect the amount agreed upon in the contract, the payments made, or the correct remaining balance. Instead, it shows that I owe 100 % of the debt, as if no payments were ever made. This was done after I submitted disputes to XXXX, XXXX, XXXX, and XXXX. 

Exhibit A2.02 clearly states that a negative report may be submitted if you fail to fulfill the terms of your credit obligations. I fulfilled those terms. The agreement was finite, and XXXX, acting on behalf of XXXX XXXX to honor it. Based on the exhibits and phone recordings, XXXX operated as an agent of XXXX. Therefore, XXXX must honor the terms XXXX communicated and executed. If they refuse, they are effectively admitting to a coordinated pattern of violations designed to inflate the balance and extract additional payments. 

I would also like to know what information XXXX, XXXX, and XXXX provided to the credit reporting agencies to justify this tradeline update. The balance shown is not the contractual amount, not the amount paid, and not the correct remaining balance. These acts demonstrate how furnishers manipulate documentation to appear accurate while concealing the actual terms of the agreement. Their response to my dispute was not a reinvestigation, it was a reset. These are not the documents I requested. Neither exhibit acknowledges the contract, the adjusted balance, or the payment history. These actions reflect a deliberate breach, misrepresentation, and procedural violations. Please include these exhibits in the 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