vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I was visiting Florida and while I was there I lost my card. I noticed I lost it on XX/XX/year>, I logged on to online banking right away and found 4 fraudulent charges. I called TD bank right away and since those charges were all pending, they refused to dispute it which was ridiculous. It's a fraud for XXXX sake. They said they would just block the card on XX/XX/year> and I would have to call in once the charges post. I called back after they were posted and a fraud claim was filed, claim # XXXX. I got provisional credits the next day and then the following day, I saw them being reversed. What????? 
So I called them back to inquire and I was told it was denied as " there wasn't a fraud pattern detected ''. I was told that the fraudster that was committing this fraud didn't do any more transactions after the card was closed on XX/XX/year>. So this is not a fraud. Are you serious? This doesn't make sense to me. It's totally up to the fraudster if they he/she wanted to do further transactions or not. TD can't just close the claim without investigation stating that there isn't a fraud pattern here. This is so bizarre. It just happened to be a coincidental that after me closing the card, the fraudster didn't do any more additional charges. 

I am not supposed to be liable for any fraud charges and VISA states {$0.00} liability protection. Why doesn't TD go and spent that money and have resources lined up with detectives to have this investigated thoroughly. This is SO SO FRUSTRATING

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been trying to access my credit report with Equifax, but Im unable to do so. I have an established credit history with both XXXX and XXXX since XXXX, yet Equifax shows no credit file or history for me. 

I have sent Equifax three letters, most recently on XX/XX/XXXX, including proper documentation : a copy of my passport, my ITIN, and a bank statement confirming my address. I also called their customer service, but they told me they could not help because I do not have a Social Security Number, only an ITIN. 

Despite all these efforts, I have received no response from Equifax, and my credit file remains inaccessible or nonexistent. This is seriously affecting my ability to monitor my credit and apply for financial products. I am requesting that Equifax verify my identity using the documents Ive sent, and create or unlock my credit file as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Name of account : Credit Collection Services, open balance {$240.00}. Opened date XX/XX/year> Name of account Credit Collection Services, open balance {$310.00}. Opened date XX/XX/year> These accounts are with Auto Insurance company XXXX. I indeed had insurance with this company, however I switched companies and Informed XXXX both times that I will not renew my Auto Policy. XXXX failed to cancel my policy per my request and decided to bill me another month for both policies. This is inaccurate and unjust. I clearly requested cancellation of policy and advised XXXX representatives that I would not be renewing my policy. XXXX failed to comply with said request, therefore billed me twice for policies I know longer had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I financed two vehicles through Ally Financial : a XXXX XXXX XXXX and a XXXX XXXX XXXX. I paid over {$76000.00} across both loans, with more than 50 % and 87 % of the balances paid, respectively. 

Despite my payment history, Ally repossessed both vehicles in late XXXX and XX/XX/XXXX without giving me proper notice, blocking my ability to pay online, and refusing to accept payment even while the repo agent was on-site. Both repossessions occurred between XXXX, on private property, while I was present and objecting. 

Ally sold my XXXX far below market value ( ~ {$24000.00} ), despite it being upgraded with snow plow equipment, racks, lights, and toolboxes worth at least {$40000.00}. I was never told how the vehicle was sold or for how much. My XXXX XXXX contained my landscaping business tools and was essential for work. I lost work, clients, and income as a result. 

Ally refused to return my property, sent no detailed post-sale documentation, reported me negatively to credit bureaus, and claimed I still owed XXXX  in deficiencies. I dispute this entirely and am demanding restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: DC

Complaint narrative:
The company TransUnion refused to fix the issue with my account login. Im not able to login to my online account. I keep getting error message saying we are not able to complete your request. I request an access to my online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/2025 LVNV FUNDING LLC XXXX, SC XXXX ( XXXX ) XXXX Account # XXXX Subject : Dispute of Debt Under 15 U.S. Code 1692, 1692g, and 1681 Dear LVNV FUNDING LLC, I am writing to formally dispute the validity of the debt listed on my credit report that you are attempting to collect in the amount of {$170.00}. According to the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692, and the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, I am entitled to dispute this debt and request validation from you.

The information on my credit report regarding this account, identified by the account number [ insert account number ], is either incorrect or incomplete, and I believe it does not accurately reflect the debt in question. As per my rights under 15 U.S. Code 1692g, I am requesting that you : 1. Provide the original creditor 's name and account number associated with this debt.

2. Provide proof of the amount owed, including any supporting documentation and a clear breakdown of charges. 
XXXX. Verify that this debt belongs to XXXX XXXX that it is valid under the current law. 
If you fail to provide the requested validation within 30 days, I respectfully request that you remove this entry from my credit report in accordance with 15 U.S. Code 1681, as the debt will be deemed invalid under federal law. Furthermore, I request that you cease any further collection activity until proper validation is provided. 
Please note that any attempts to collect this debt without providing the necessary documentation will be considered a violation of the Fair Debt Collection Practices Act. I would also appreciate it if you would update my credit report to reflect that this matter is in dispute. 
Please send all correspondence related to this dispute to my address above. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I checked my account balance and saw it was XXXX and looked at my recent transactions and saw obvious fraudulent activity. Someone had made purchases using XXXX XXXX at 6 locations across several cities and a different state. 

There was a charge in : XXXX XXXX in XXXX XXXX  for {$96.00} XXXX XXXX in XXXX XXXX  for {$95.00} XXXX in XXXX XXXX  for {$500.00} XXXX in XXXX XXXX for {$510.00} XXXX in XXXX  XXXX, Tennessee for {$920.00} XXXX in XXXX Tennessee for {$400.00} A total of {$2500.00} I called into my Bank, Bank of America to file a fraud charge and pointed out the 6 charges. When talking with the representative they asked about other charges. There was two charges at a gas station, a reoccurring XXXX charge and a charge at XXXX. We specifically discussed all XXXX of those charges and I told the representative they were legit charges. She still included them in the claim so the claim totaled {$2600.00}. 

They denied my claim 7 business days later on XXXX telling me that all the charges in the claim were authorized by me or someone with permission. I called back and had them reopen the claim and reevaluate it. It was at this time I learned that the representative had included 4 extra legitimate transactions in the claim and the representative I was speaking to at this time told me it was likely the reason it was denied. I requested those charges be removed and the claim resubmitted and I was told that was happening. I also told them I was filing a police report and would fax that over. 

The next day XXXX I sent the police report over via fax and soon after I receive an email about my claim being reopened and it still says {$2600.00}. I call back in a the legitimate charges had still not been dropped from the claim. At this point I get someone on the line who is repeatedly apologizing to me for the incompetence of his coworkers and assuring me hes going to fix everything and that hes confident that my claim will get approved now. He removes the charges and tells me it could take them a couple days to receive my faxed over police report for some reason. 

The next day XXXX I receive an email letting me know those 4 charges were removed from my claim and then a separate email telling me my claim was still once again denied. They again told me the transactions were authorized by me or someone with permission. This is ridiculous. Its laughably obvious fraud. Someone is traveling around to city after city to the same stores emptying my account and my bank is just allowing me to be stolen from and essentially calling me a liar and fraudster. 

My police report is number : XXXX My claim ID : XXXX I really need help I cant afford to lose this money

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
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Ive told commenity bank that I do not have the money to pay my credit card bill and that Id pay it once I have the money. I receive atleast a minimum of 5-6 a day from them from multiple numbers even as going far as to call me private. I have calls logs to strengthen my statements as well. Just this week alone Ive received well over 20 calls. Theyve even contacted my sister. At this point this is harassment and has gone overboard. This has caused me to miss important phone calls/meetings as they are spam calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am showing a debt collection on my XXXX credit report from Bull City Financial. It states the account was opened XX/XX/year> with an open balance of {$1400.00}. I have disputed this debt and requested proof con contract with this debt collector. It has been more than 30 days and the company has yet to respond. This debt does not belong to me I am requesting this debt be remove from my XXXX Credit Report immediately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
Dear CFPB, Thank you for allowing me to follow up on my complaint regarding the inaccurate reporting and validation of a debt by Spring Oaks Capital LLC ( Complaint # [ XXXX XXXX XXXX XXXX ] ). 

After reviewing the companys response and attached documents, I respectfully maintain my position that the account remains unverified and improperly reported. I am requesting continued investigation based on the following issues : 1. Lack of Proper Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), proper validation requires more than a generic bill of sale or account statement. Spring Oaks Capital did not provide : A signed contract bearing my signature, A full accounting of the debt from inception, Evidence that they are legally authorized to collect on this specific account, not just a portfolio. 
2. Generic Documents : The bill of sale and assignment documents reference bulk transfers of accounts, not specifically tying my account to any referenced documents. The information does not meet the standard for proper chain of title or legal right to collect. 
3. Incomplete Response to Dispute : The company claims they verified the debt, but the documentation falls short of accurately and specifically validating my individual liability for this account. 
4. Impact on My Credit : This unverifiable and disputed debt continues to negatively affect my credit reports with XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable, which this is not. 

I am requesting the immediate deletion of this account from all credit bureaus due to the failure to provide a legally sufficient validation and the ongoing negative impact this account is having on my financial well-being. 

I appreciate your time and assistance in helping resolve this matter fairly and in compliance with FCRA and FDCPA regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
I Disrud things on my credit report that I did not have a contract with these people and ask for the stuff to be removed off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
I Disrud things on my credit report that I did not have a contract with these people and ask for the stuff to be removed off of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand for TILA disclosures to provide me the name and direct contact information for the individual employee of the company who provided XXXX XXXX XXXX XXXX this Assignment of Mortgage and who authorized XXXX to attach on XX/XX/year> stamp signature of alleged XXXX  Vice President XXXX. 
According to XXXX  website the current Investor for my " VA Guaranteed loan '' is XXXX. According my conversation with XXXX XXXX XXXX, XXXX employee XXXX, my current Creditor is the Department of Veterans Affairs whom XXXX is allegedly servicing. According to this Assignment, XXXX transferred my alleged " loan '' from non-existing call center XXXX XXXX, XXXX [ at the time of Assignment it was already CrossCounty Mortgage, LLC ] to fake company XXXX XXXX XXXX, XXXX - without any authority. 
My Investor XXXX and my Creditor Department of VA lawyers want personally verify with the employee of CrossCounty XXXX XXXX or another CrossCounty employee who has personal knowledge about this transfer and with XXXX employees XXXX XXXX and XXXX XXXX who provided XXXX this Assignment and who authorized XXXX  and XXXX to transfer my property to XXXX XXXX XXXX, XXXX who personally denied being my Creditor and who did not paid value. I demand CrossCountry and XXXX employees to join the zoom hearing before the Judge to verify XXXX authority to transfer anything to XXXX. Provide me name and direct contact information for the authorized individual employee who has personal knowledge about my transaction to schedule a zoom hearing with the Department of Veterans Affairs attorneys regarding my so called VA guaranteed loan for XXXX XXXX XXXX XXXX Michigan. Please provide me suitable for you dates after XXXX XXXX to set up this zoom hearing at the convenience of all parties as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
XXXX XXXX has charged off my account and reported this as such to the credit bureaus. I have not received a 1099c. Under the FCRA laws, I can now sue for statutory damages due to the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
XXXX XXXX has charged off my account and reported this as such to the credit bureaus. I have not received a 1099c. Under the FCRA laws, I can now sue for statutory damages due to the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
I received a XXXX XXXX XXXX XXXX from XXXX. This was written off as a complete loss and I have now assumed the tax liability for that debt and it is now a part of my personal income and reported to the IRS. IRS reporting does not include the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief