vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against Resurgent Capital Services, L.P. for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt allegedly owed to LVNV Funding LLC, originally from XXXX  XXXX, XXXX. 

I received a collection letter dated XX/XX/2025, from Resurgent Capital Services, referencing an account ending in XXXX with a balance of {$1900.00}. Within the required 30-day validation window, I mailed a written dispute and debt validation request on XX/XX/2025, which was delivered and confirmed received via USPS Certified Mail ( Tracking # XXXX ) on XX/XX/2025. 

Despite receiving my dispute, Resurgent sent me a collection email on XX/XX/2025, using persuasive marketing language urging me to " take control '' and resolve the balance. This constitutes a direct violation of 15 U.S.C. 1692g ( b ), which prohibits further collection activity until proper debt validation is provided. As of this filing, no validation has been received.

Furthermore, their continued collection efforts while the debt is in dispute also violate : 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of the debt.

1692e ( 10 ) : Using deceptive means to collect a debt by ignoring the dispute and continuing to contact me.

1692f : Employing unfair and unconscionable methods of collection by disregarding their legal obligations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-04-29 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:
My account is under the XXXX forbearance and should be accruing 0 % interest. However, since XXXX the total of my account has been increasing even though the loans are all set to 0 %. I have messaged MOHELA with no real answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-29 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$3000.00} to receive a lead list from a vendor called XXXX XXXX XXXX. I made my purchase through my PayPal account because they provide a " Purchase Protection Program '' that protects me as a buyer if I don't receive the product. On XX/XX/XXXX, I still hadn't receive the product and I reached out to PayPal to file a dispute. PayPal put the dispute in, on my behalf, because I never received the product and I had purchase protection with PayPal. PayPal didn't allow me to provide any evidence to support my claim and only accepted supported evidence from the vendor. PayPal denied the claim on XX/XX/XXXX. They would not provide me an explanation on why it was denied and they wouldn't provide me the evidence to support my claim. On XX/XX/XXXX, I reached out to their legal department because PayPal was allowing fraudulent purchases and not providing the protections guaranteed in their protection program. As of XX/XX/XXXX, I still haven't received a refund or any fix this to fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I have inquiries on my report that I have no knowledge of since XXXX and would like all removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
I am working on improving my credit and I reached out to all of the creditors on my credit report in an effort to negotiate a satisfactory repayment/resolution. On XX/XX/XXXX I wrote Security Credit Services asking for them to provide verification of the debt to include the name of the original creditor and for them to document that they have the right to collect this debt on behalf of the original creditor. They responded on XX/XX/XXXX and provided the original documents from the original creditor, but did not provide any documentation that they have the right to collect the debt or that they are the rightful owner of the debt. I responded on XX/XX/XXXX to ask again for a copy of the assignment of the debt and the date of the assignment/ownership of the debt. Security Credit responded XX/XX/XXXX that they are under no obligation to provide this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit 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 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Subject : Report on online bank scam and request for investigation Dear Sir or Madam, I did not authorize anyone else to use my online banking. 
The only person who has access to my online banking is a Bank of America representative. His name is XXXX ; working at fraud escalation department ( phone number : XXXX ). He told me that he is the case manager.

I trust him because he always sends a code to me before conversation for verification when I call his number or when he calls me. He was the first person to call me when the fraudulent activity occurred in XX/XX/XXXX. Since, XX/XX/XXXX XX/XX/XXXX, I always call to notify him when there is unrecognized transaction in my account, and he always promise to file the claim on my behalf, and I do not need to dispute the transaction. Unfortunately, the fraudulent activity continues. It happens almost every day. Most of the unrecognized transactions are from Cash Apps. He tried to introduce me to Cash Apps, but I declined. Also, I had to call the bank 5 times to stop the recurring transaction with Cash Apps. Also, the Bank Representative urged me to click on links to Bank of America website before the bank can refund my claim which I did. I believe that is when he steals my personal information Thereafter, he informed me that the fraudulent activity has been reported to the police and attorney. He put me on the phone conference on several occasions to communicate with the police and attorney. In XXXX, I received an email that my online claim will be reflected in bank account, but nothing happens. Last month, the attorney told me that my claim has been approved by the supreme court, and my account will be updated My online bank account was closed several times, and I opened a new account. Also, my passwords for online account were changed several times to prevent unauthorized access into my account. 
As a result, unauthorized transactions were made on my account, I request that you investigate this matter, reverse the unauthorized transaction and take steps to prevent fraudulent activity. I would appreciate it if you could contact me at your earliest convenience to discuss this matter further. 
Thank you for your time and attention to this serious matter. 
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 2025-04-29 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
" My mortgage company, Mr. Cooper, issued a bulk check ( No. XXXX ) in the amount of {$7000.00}, which included my insurance payment of {$5700.00}. Unfortunately, the payment was sent to the wrong insurance company, XXXX, and someone has since cashed the check. I have a copy of the endorsed check as proof. Despite this, neither the insurance company nor my mortgage company is accepting responsibility or refunding the money, either by issuing a refund check or by returning the funds to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate and fraudulent information appearing on my credit report related to an account with XXXX XXXX XXXX. 

In addition that I have also been victim of Identity Theft and data breech. 

1. Identity Theft & Unlawful Reporting Per 15 U.S.C. 1681c-2 ( a ), credit reporting agencies must block fraudulent accounts upon notification of identity theft. XXXX has failed to verify the authenticity of this account and continues to report false and unverifiable information, violating : 15 U.S.C. 1681s-2 ( a ) Furnishers must ensure accuracy in credit reporting.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to mark the account as " disputed/litigated, '' violating : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) Duty to report accounts as disputed.

Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ) False credit reporting in collection efforts. 

Additionally, XXXX refused to honor my tender of payment via negotiable instrument, never returned the instrument, and did not provide any written explanation for dishonoring the payment. This violates UCC 3-311 ( Accord & Satisfaction ), meaning the debt was lawfully discharged and should not be reported as delinquent or outstanding. 

XXXX. Requested Action Immediate Account Removal Given the fraudulent and unlawful nature of Santanders reporting, I formally demand the following corrective actions : Immediately remove the fraudulent Santander account from my credit report under identity theft protections ( 15 U.S.C. 1681c-2 ).

Cease all reporting of this account to credit bureaus under FCRA 1681s-2 ( a ).

Provide written confirmation of removal within 30 days, per FCRA 1681i ( a ) ( 5 ). 

Failure to comply will result in formal complaints with the CFPB, FTC, and legal enforcement for damages. I expect a prompt resolution in accordance with federal consumer protection laws.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate and fraudulent information appearing on my credit report related to an account with XXXX XXXX XXXX. 

In addition that I have also been victim of Identity Theft and data breech. 

1. Identity Theft & Unlawful Reporting Per 15 U.S.C. 1681c-2 ( a ), credit reporting agencies must block fraudulent accounts upon notification of identity theft. XXXX has failed to verify the authenticity of this account and continues to report false and unverifiable information, violating : 15 U.S.C. 1681s-2 ( a ) Furnishers must ensure accuracy in credit reporting.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to mark the account as " disputed/litigated, '' violating : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) Duty to report accounts as disputed.

Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ) False credit reporting in collection efforts. 

Additionally, XXXX refused to honor my tender of payment via negotiable instrument, never returned the instrument, and did not provide any written explanation for dishonoring the payment. This violates UCC 3-311 ( Accord & Satisfaction ), meaning the debt was lawfully discharged and should not be reported as delinquent or outstanding.

3. Requested Action Immediate Account Removal Given the fraudulent and unlawful nature of Santanders reporting, I formally demand the following corrective actions : Immediately remove the fraudulent Santander account from my credit report under identity theft protections ( 15 U.S.C. 1681c-2 ).

Cease all reporting of this account to credit bureaus under FCRA 1681s-2 ( a ).

Provide written confirmation of removal within 30 days, per FCRA 1681i ( a ) ( 5 ).

Failure to comply will result in formal complaints with the CFPB, FTC, and legal enforcement for damages. I expect a prompt resolution in accordance with federal consumer protection laws.

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