vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of the alleged debt. I demand that you provide competent evidence that I am legally obligated to pay your company. Specifically, I request the following : 1. The original signed credit application or contract bearing my signature.

2. A complete payment history, including all charges, credits, interest, and fees.

3. The name and address of the original creditor, along with proof that you are authorized to collect on this alleged debt.

4. Documentation that you are licensed to collect debts in my state.

5. A copy of any judgments, if applicable.

Be advised that until you provide the requested validation, you must cease all collection activity, including reporting to any credit reporting agencies. If you continue to report unverifiable information, you will be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ).

Furthermore, if you fail to provide the requested documentation within 30 days, any continued collection efforts, including phone calls, letters, or credit reporting, will be considered harassment and a violation of the FDCPA. 

I expect your full compliance with federal law. Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
In XX/XX/year> I signed up for paperless billing with FNBO for my XXXX Credit Card to avoid additional charges they quoted to remain with a paper bill. I have had the XXXX Credit Card for 44 years and have never been late on a payment. I charged a tank of gas sometime after that for {$42.00}. I never received the paperless bill. Note this would be the very first paperless bill I was to receive. I forgot about the purchase until reviewing my credit report two months later and noticed a negative report from FNBO for the {$42.00} charge. I immediately called FNBO and paid the bill. I requested they remove the negative report since it was the first time we were ever late on any payments to any creditors and it was the first paperless bill and that I never received it. FNBO dropped the late fee but denied my request to remove the negative report and replied that they emailed the bill. I never received the emailed bill, nor did they attempt to send me a bill via XXXX XXXX or a phone call to inquire about the missing payment. They maintain they emailed the paperless bill and it was delivered. I maintain that I never received the paperless bill via email. It would seem after 44 years of never missing any payments FNBO would correct the negative report to my credit report but I have had no success thus far. I've spoken to a representative from FNBO XXXX XXXX XXXX XXXX who refused to let me speak with a supervisor. My credit score was XXXX prior to the negative report and is currently XXXX due to this singular negative report. I have written to the credit bureaus and FNBO to no avail. Credit Bureaus say it is up to FNBO and FNBO says their records show the paperless bill was delivered. I told them the bill did not appear in my inbox, trash, or spam folders. FNBO has since placed me back on paper billing and waived the fee they were going to charge me which set this entire incident in motion. I would appreciate your assistance in getting this negative report removed from my credit report. I have never had a negative report on my credit history. FNBO should have made an attempt to contact a customer of over 4 decades who has never missed a payment before filing a negative report. It is the only negative report I have had and I am XXXX XXXX XXXX. 
Thank You, XXXX XXXX, XXXX, Ky.

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 2025-08-27 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:
These accounts were opened without my consent, and I am not liable for them. Kindly remove them from my credit report within 15 days as required by USC 1681g. Relevant documentation is included.

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 2025-08-27 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
I was fraudulently overcharged on my card. I have called Continental Finance, The company who runs the card, and been hung up on 4 times as soon as I mention dispute. They call asking why my bill is late, and I mention I've tried to dispute a charge and get immediately hung up on. I have tried to contact the Bank of Missouri, who issued the card, and was forwarded back to XXXX. I left a review on the Bank XXXX Missouri 's facebook page and was blocked. They have falsely reported missed payments and failed to properly report my credit and payments to credit agencies.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX. Failure to Provide Disclosures at Signing ( 15 U.S.C. 1638 ( b ), 12 CFR 1026.17 ) : 2. Undisclosed {$1300.00} Price Increase ( 15 U.S.C. 1638 ( a ) ( 2 ), 12 CFR 1026.18 ( b ) 3. Unchanged Terms After {$2600.00} Removal ( 15 U.S.C. 1638 ( b ), 12 CFR 1026.17 ( c ) ) : A {$2600.00} third-party charge was removed from the financed amount ( ~ {$31000.00} to ~ {$28000.00} ), but the monthly payment ( {$660.00} ) and total contract ( {$34000.00} ) remained unchanged, without updated disclosures.

4. Refusal to Provide Mailing Address : This hinders my ability to exercise TILA rights ( 15 U.S.C. 1638 ( b ), 12 CFR 1026.5 ).

5. Bridgecrest also failed to provide an adverse action notice within 30 days, violating the Equal Credit Opportunity Act ( ECOA, 12 CFR 1002.9 ).

6. The Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ), codified in Texas Business & Commerce Code 17.4117.63 . Under the DTPA, failing to disclose known material information about a product or service during a transaction, if intended to induce the consumer into the purchase, constitutes a deceptive trade practice. This includes installing or including a tracking device without informing the buyer, as it could mislead them about privacy, usage, or hidden costs. Violations allow consumers to seek remedies like actual damages, treble damages for intentional conduct, attorney 's fees, and injunctions.

Additionally, if the tracking device collects and processes personal data ( e.g., precise geolocation ) without disclosure or consent, it may violate the Texas Data Privacy and Security Act ( TDPSA ), effective XX/XX/year>, under Texas XXXX XXXX XXXX XXXX Chapter 541. The TDPSA requires controllers of personal data to provide notice, obtain consent for sensitive data processing, and honor consumer rights like data access and deletion. Non-compliance can lead to civil penalties enforced by the Texas Attorney General, up to {$7500.00} per violation. 

In specific contexts like financed vehicles, non-disclosure could also implicate the XXXX XXXX XXXX ( e.g., Chapter 348 on motor vehicle installment sales ), which mandates clear disclosures in credit contracts, potentially overlapping with federal Truth in Lending Act requirements.756f9c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am disputing XXXX accounts ( 3 Capital One, XXXX XXXX XXXX XXXX. 
Capital One : balances reported as charged off and past due, status dates conflict, and balances exceed credit limits. 
XXXX XXXX XXXX  : account was supposed to be removed per settlement agreement but still appears. 
I request a full investigation and correction/removal per FCRA 1681i, 1681e ( b ), 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'Citi case Number: XXXX XXXX XXXX XXXX XXXX XXXXciti bank account number: XXXX XXXXciti bank card number: XXXX XXXX XXXX XXXX XXXXnCitibank confirmed fully closed my account on XXXX  with no reason gave. thats ok!! I went branch many times ask for my balance refund which is XXXX they refused to refund me and ask me to waiting for the check. I made a complaint before and citibank ask me proof XXXX XXXX XXXX  is my company. i did go to branch and provide all company document to banker. and banker name" XXXX XXXX helped me sent all document to citibank IRT team, which they request to sent to IRT team. and they said it took them 24-48 hours to review the document. I now todayXXXX to calXXXX XXXX XXXX' follow up why still not sent back my refund. they said they haven\'t review my document and can not release my balance. i did everything the said and they didn\'t to their job. its now over 15days to release my refund.'

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 2025-08-27 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: NJ

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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 2025-08-27 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-27 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-27 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: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
Prestige Finance/CULS/CINCH/COAF Subject : Cease and Desist / Removal of Unauthorized Credit Inquiry To Whom It May Concern, I am writing to formally dispute and demand the removal of a hard credit inquiry made by Prestige Finance that appears on my credit report. I have never applied for credit with your company, nor have I authorized XXXX XXXX to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604, a company must have permissible purpose and my written authorization before accessing my credit report. Since no such authorization exists, this inquiry is unauthorized and must be removed immediately. 

Accordingly, I demand that Prestige Finance : Provide proof of written authorization and permissible purpose for this inquiry ; or Remove the inquiry from my credit file with all three credit reporting agencies ( Experian, Equifax, and TransUnion ). 

If this matter is not resolved within 30 days of receipt of this letter, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please provide written confirmation of the removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX I paid for photo services from XXXX XXXX. The amount charged was supposed to be {$40.00} however the amount I was charged was XXXX which I told the credit card company. I disputed the difference and maybe within 14 days the card company comes back and tells me the full amount is valid and that they will be closing the investigation. They did not provide me with any information from the seller.

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 monetary relief