vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication dated XX/XX/year>, regarding a debt you are attempting to collect. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, I formally request that you provide me with competent evidence validating that I am indeed the correct party you are asking to pay this debt, and that you have the legal right to pursue collection. 

To fully investigate this matter, I request that you provide me with all of the following information : The name and address of the original creditor to whom the debt was originally payable. 

The complete chain of title from the original creditor to your company, including the dates of each assignment and sale, to establish your legal right to collect this debt. 

A detailed itemized account of the alleged debt, including : The original date of the debt/account opening. 

The original amount of the debt. 

A complete breakdown of all interest, fees, charges, and payments credited to the account, showing how you calculated the amount you are now claiming I owe. 

A copy of the signed loan agreement, credit application, or contract that established the debt and proves my liability. If you are basing this on an account stated, please provide the account statements that form the basis of that claim. 

Please confirm the date of the last payment made on this account, as this is critical for determining the legality of your claim under the statute of limitations. 

Please also be advised that if the alleged debt is beyond the statute of limitations for collection lawsuits in my state, I expect you to disclose this fact and cease any and all collection efforts immediately. 

Until you provide the requested documentation, cease all telephone communication with me. The FDCPA requires you to communicate respectfully. All future communications with me regarding this matter must be in writing and sent to the address at the top of this letter. 

This is a request for validation and information only. It is not a refusal to pay. However, until you provide the complete validation as required by law, I will consider this matter closed and any continued collection activity a violation of the FDCPA. 

I will not hesitate to report any violations of the FDCPA to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication dated XX/XX/2025, regarding a debt you are attempting to collect. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I formally request that you provide me with competent evidence validating that I am indeed the correct party you are asking to pay this debt, and that you have the legal right to pursue collection.

To fully investigate this matter, I request that you provide me with all of the following information : The name and address of the original creditor to whom the debt was originally payable. 

The complete chain of title from the original creditor to your company, including the dates of each assignment and sale, to establish your legal right to collect this debt. 

A detailed itemized account of the alleged debt, including : The original date of the debt/account opening. 

The original amount of the debt. 

A complete breakdown of all interest, fees, charges, and payments credited to the account, showing how you calculated the amount you are now claiming I owe. 

A copy of the signed loan agreement, credit application, or contract that established the debt and proves my liability. If you are basing this on an account stated, please provide the account statements that form the basis of that claim. 

Please confirm the date of the last payment made on this account, as this is critical for determining the legality of your claim under the statute of limitations. 

Please also be advised that if the alleged debt is beyond the statute of limitations for collection lawsuits in my state, I expect you to disclose this fact and cease any and all collection efforts immediately. 

Until you provide the requested documentation, cease all telephone communication with me. The FDCPA requires you to communicate respectfully. All future communications with me regarding this matter must be in writing and sent to the address at the top of this letter. 

This is a request for validation and information only. It is not a refusal to pay. However, until you provide the complete validation as required by law, I will consider this matter closed and any continued collection activity a violation of the FDCPA. 

I will not hesitate to report any violations of the FDCPA to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I submitted a form asking for mortgage assistance or a forbearance to the mortgage company. They in turn looked at the short form that didn't have a place on it indicating which type of mortgage assistance I am applying for. After a week, I got a letter in the mail saying that I was approved for a forbearance and to follow the steps needed for approval. I did not receive any such steps and thought that this letter was the final decision and waited for a letter with such steps. But instead of the letter giving me this information, I got another letter stating that I was accepted for a repayment plan after a weeks time and that I was to pay {$1000.00} a month or risk foreclosure. I can not afford to pay my current mortgage. How can I afford to pay {$300.00} more? I called the mortgage company asking them how they can offer me a forbearance plan and turn around and offer me a ridiculous repayment plan that is way out of my budget. They told me to call back in a month to discuss a better plan of repayment. I would like to lodge a complaint against them for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
Your Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : [ Your Address ] Account Number : XXXX Company Information : Company Name : XXXX XXXX XXXX  ( if known ) : [ Chime Headquarters/ Legal Dept. ] Complaint Type : Unauthorized Transactions/ Fraud Date of Incident : XX/XX/year> Amount Involved : {$200.00} and {$200.00} Recipient : XXXX XXXX Police Report # : XXXX Complaint Details : On XX/XX/year>, my Chime account was accessed without my authorization. XXXX transactions, totaling {$410.00}, were sent to a recipient named XXXX XXXX. I discovered the unauthorized activity and reported it to Chime within XXXX hours, and also filed a police report ( # XXXX ) on the same day. 

Despite providing all required documentation and cooperating fully, Chime denied my claim for reimbursement. Under Regulation XXXX ( XXXX CFR Part XXXX ) and Chimes own Terms of Service/ Fraud Protection Policy, I am entitled to reimbursement for unauthorized transactions reported promptly. 

Requested Resolution : XXXX. Full reimbursement of {$410.00} for the unauthorized transactions. 
XXXX. Written confirmation that the reimbursement has been processed or, if denied, a clear explanation citing legal or policy grounds. 

Additional Information : I have contacted Chime directly multiple times with no resolution. If CFPB can not resolve this, I XXXX escalate to state regulators or pursue small claims court. 

Attachments : Copy of police report Account statements showing fraud transactions Correspondence with Chime Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts remain on my credit report despite my requests to XXXX XXXX XXXX XXXX to block them under FCRA 605B ( 15 U.S.C. 1681c-2 ). Fraudulent accounts : XXXX XXXX XXXX Accounts # XXXX Balance {$7800.00} Columbia Debt Recovery Account # XXXX Balance {$4100.00} XXXX XXXX XXXX Account # XXXX Balance {$1600.00}. I submitted my FTC Identity Theft Report, SSN, government ID, and proof of address. Federal law requires the credit bureaus to block identity theft accounts within 4 business days. No police report is needed. I request CFPB intervention to ensure immediate removal and investigate any FCRA violations. I demand written confirmation once resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: OH

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 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 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: Source Receivables Management LLC
State: NC

Complaint narrative:
To Whom it XXXX Concern This is in response to your recent claim regarding account ending in XXXX, which you claim I owe {$330.00} I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 

I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 

Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the Consumer Financial Protection Bureau and the Attorney General 's office should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local and state laws. I further remind you that you XXXX be liable for your willful non-compliance. 

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX of my SSN : XXXX P.S. If need I will provide a copy of this letter to the following organizations CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Bank Name : JPMorgan Chase Account Type : Checking Account Number : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$290.00} Merchant/Description on Statement : XXXX # XXXX XXXX MD This transaction was unauthorized. I did not recognize or approve this charge. As soon as I noticed it, I made multiple calls to Chase Bank to dispute the transaction and request an investigation and refund. Despite my repeated efforts, Chase has failed to resolve the issue, and they continue to reference the 60-day time limit under the Electronic Fund Transfer Act ( EFTA ) as the reason for denying my claim.

However, I believe this handling is unfair and improper for the following reasons : The transaction was unauthorized and fraudulent. 

I contacted Chase multiple times ( dates of calls : [ Insert dates if available ] ) in good faith to resolve the matter. 

I acted promptly upon discovering the charge. 

Chase has refused to conduct a proper investigation or provide any meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by LVNV Funding LLC, serviced by Resurgent Capital. The Account Type is falsely listed as Open. This is a collection account. They are omitting the Date of First Delinquency, violating FCRA 605 ( c ). Payment history and balance update timelines are inconsistent and suggest illegal re-aging. LVNV has failed to mark the account as disputed, violating FCRA 623 ( a ) ( 3 ), even after I sent them a formal written dispute letter. No contract or signed documentation has been provided, and I have no record of ever owing this debt. These reporting errors appear across all 3 of my credit reports, damaging my credit standing and violating my rights under the Fair Credit Reporting Act ( FCRA ). The company is also actively attempting to collect on this debt, knowing that the statute of limitations has passed for collection activities.

Company response to consumer: Closed with non-monetary relief