vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> Friday. I was called by Lvnv Funding supposedly saying that I owe a XXXX debt to XXXX XXXX XXXX  a credit card that I never owned or opened in my life. I saw the reviews on this company and I see that multiple people are on the same boat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Unifin Inc.
State: IL

Complaint narrative:
Date : XX/XX/XXXX Registered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, IL XXXX c/o Unifin Inc . 

Re : Formal Debt Validation Request under 15 U.S.C. 1692g Notice to Cease Collection until Verified To Whom It May Concern : This letter constitutes a formal request for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I am exercising my right to dispute the validity of the alleged debt you claim I owe, and I request that you provide proper verification and documentation as required by federal law. 

Specifically, I am requesting the following : The original signed contract or agreement bearing my signature establishing the alleged obligation ; A complete payment history, including itemized charges and credits ; A copy of the assignment agreement or purchase contract that grants you the right to collect on this debt, as required under applicable law ; The name and address of the original creditor and a clear explanation of how the alleged debt was calculated ; Documentation proving your legal ownership of this debt or that you are authorized to collect on behalf of the legal owner. 

Please be advised that the mere listing of the debt on a spreadsheet or internal data system does not constitute validation. 
As established in Green v. Portfolio Recovery Associates, LLC, 2019 WL 4737696 ( N.D. Ill. Sept. 27, 2019 ), the court found that a debt collector who fails to prove actual ownership or assignment of a debt lacks standing to collect or report such debt to credit bureaus. Without a valid assignment contract or chain of title, a third-party debt collector has no lawful authority to enforce or report the alleged debt.

Until you provide the above-requested documents, any continued attempt to collect on this alleged debt including reporting it to credit bureaus will be considered a violation of the FDCPA and other applicable laws. I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies.

Notice to Agent is Notice to Principal. Cease all collection efforts immediately until full validation is provided. 

Sincerely, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint regarding an incorrect account balance reported by my student loan servicer, Mohela. My current balance on Mohela is listed as {$130000.00}, which is inaccurate. According to my official record on XXXX, my balance should be {$130000.00}. There should be no interest accruing on my loans at this time, yet Mohela has increased the balance without explanation. 

I have not received any notice or justification for this change. I believe this to be an error and am requesting that my balance be corrected to reflect the accurate amount of {$130000.00}. 

I am aware that Mohela is currently under investigation and legal scrutiny from several states for issues related to loan servicing. I am closely monitoring my account and expect my records to be maintained accurately and in compliance with federal loan policies. 

I request that CFPB assist in ensuring Mohela resolves this issue promptly and provides a clear explanation for the discrepancy. 

I have attached my student loan data downloaded from XXXX as proof of my balance. On this document please see Total XXXX Outstanding Principal : {$130000.00} Total XXXX Outstanding Interest : {$520.00} This is {$130000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX amt {$5400.00} and XX/XX/XXXX amt {$6000.00} .. On XX/XX/XXXX I had a accident and damaged my XXXX XXXX XXXX. I was in severe pain. XXXX XXXX XXXX XXXX was the only XXXX office open on that day. I was told the XXXX would not see me unless I paid up front. Options do u have major credit card or debit card. I was asked. I do not on me, I have my debit card. But I don't want to use it. I was told the have another option through CARECREDIT a low affordable plan for people in need. It is through Synchrony Bank. I reply I have excellent standards with them. One XXXX  consult ended up with I need this and that, because of my age. And how dangerous it was to ignore the need of my XXXX XXXX. So I called Carecredit I was immediately approved. On XX/XX/XXXX my follow up XXXX. My XXXX was a no show matter of fact. He no showed 3 times. I ended up seeing a different XXXX  on XX/XX/XXXX. He changed completely changed it ended getting another credit from Carecredit for {$6000.00}. I never reviewed my XXXX XXXX nor my XXXX I called Carecredit and told them the events. I did a dispute and they denied me. I found out the XXXX XXXX never sent my claims in until I got my credit approval from Carecredit. Oh the office manager was fired. I did file a complaint with the Ohio XXXX XXXX. They told me to get an attorney to get my money back that I already had paid. They is so much deceptions. My XXXX plan paids 80 % there was no reason for me to seek financial help from Carecredit. I tried my best to explain this to Carecredit. I have no XXXX XXXX XXXX replacement. Also the XXXX  office told me that Carecredit would make the adjustments of my XX/XX/XXXX to my XX/XX/XXXX. Because XX/XX/XXXX XXXX  work was changed on XX/XX/XXXX by another XXXX. And they told me to care Carecredit and explain that my XXXX  work on XX/XX/XXXX was cancel. I was so frustrated I canceled all XXXX and I informed Carecredit of what happened. My XXXX care was absolutely horrible. I have to see a XXXX XXXX so they can undo all the mistakes that were made. I am still in pain from unnecessary XXXX XXXX they done.. I had XXXX and XXXX XXXX XXXX .. WHY WHY WHY would I need Carecredit, because of the deception and fraudulent acts of the XXXX  office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS Account number XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXXXXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX XXXX Opened Date : XX/XX/XXXX XXXX XXXX bankruptcy discharged Date Filed : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I paid {$250.00} to TrueAccord to resolve an outstanding debt for XXXX XXXX. I paid to resolve the debt XX/XX/XXXX, by XX/XX/XXXX I received another debt collection agency called XXXX contacting me about the same debt saying I owed {$500.00}. I contacted XXXX XXXX  multiple times in regards to this, letting them know I have the email confirmations and all of my evidence to back me up with my claim. After contacting all debt collection agencies involved no one can give me a direct answer on how or when this will be resolved or removed from my credit. My last call was XX/XX/XXXX and I was told again to call back in a few days because TrueAccord isnt responding to XXXX XXXX in regards to this resolved debt. Its been XXXX  months since I paid to resolve this debt and its continuing to damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a Citibank account for approximately XXXX and have a good credit rating. I have always paid the balance due, or more, during each billing cycle. 

About XXXX ago, I hired XXXX  to transport my household goods to my new address, and the Citibank algorithm triggered a fraud alert. For these past XXXX weeks, I have repeatedly called in, gone through a phone verification process, and verified each charge as correct. There have been NO fraudulent charges on my account, during this time or now. They are all charges that have either already been verified or are part of the normal moving process. 

On XX/XX/year>, a Citibank representative notified me that a letter was sent to my old address, and I must respond to the contents of this letter before they will authorize my account. 

On XX/XX/year>, a Citibank supervisor stated this letter was mailed on XX/XX/year>. She would no tell me why this letter was sent, since all charges have been verified by me, and she would not tell me why it was sent to the old/wrong address. 

Since all charges have been verified by me as true and accurate, I want the requirement for Citibank letter verification waived, so I can resume verifying these charges via phone. 

This issue has caused me extreme emotional duress, as I am in the process of finalizing my move and need the final charges approved ASAP. 

My Citibank account has always been in good standing, and I don't understand the sudden draconian measures needed to verify normal charges associated with my out-of-state move.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiry Under FCRA To Whom It May Concern, I am writing to dispute an unauthorized hard inquiry that appears on my Equifax credit report. I did not initiate or authorize a credit application with the company listed below and therefore request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
________________________________________Unauthorized Inquiry in Dispute : Company Name : XXXX Date of Inquiry : XXXX As per FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report with the consumers authorization or for specific permissible purposes. I never gave permission to XXXX to access my credit file, and this inquiry is damaging my creditworthiness. 
________________________________________Action Requested : Remove the unauthorized inquiry from my credit report. 
Provide written confirmation once the investigation is complete. 
Please conduct a thorough investigation and provide the documentation used to verify the inquiry. If no valid authorization exists, this item must be deleted. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I did not authorize these inquiries. Please remove immediately. 
Equifax XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX : XX/XX/year> TransUnion XXXX XXXX XXXX : XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I requested refunds on warranties sold with my vehicle on XX/XX/year> from XXXX XXXX XXXX XXXX. These cancellations were accepted by the companies and processed for the dealer to refund back to Santander ( my original finance company ) - the dealer delayed the process of my Gap cancellation, however, upon calling Santander, found a check had been sent for the cancellation. I called XXXX regarding the funds being returned on the warranties they verified cancellation with back in XXXX XXXX XXXX ago and they told me the funds had already been sent back to the dealer. The dealer has been non responsive regarding these refunds. Today I called the dealer, the manager simply stated that the process is to wait for the funds from XXXX. However, they've already stated the funds have been credited back to the dealer. XXXX states that the dealer is responsible for returning these funds to the finance company. I called the finance company and there is NO money returned back to them. 

Dealer is non compliant with contractual obligations. We are well past the waiting period of having seen this be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief