vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XX/XX/year> Re : DEMAND FOR DEBT VALIDATION Pursuant to FDCPA & Regulation F To Whom It May Concern : This letter is a formal demand for immediate validation of the alleged debt your company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and Regulation F ( 12 CFR Part 1006 ) as issued by the Consumer Financial Protection Bureau ( CFPB ). You are now officially on notice.

YOU ARE REQUIRED TO PROVIDE THE FOLLOWING : The name and address of the original creditor.

A full and itemized breakdown of the alleged debt amount.

A copy of the original signed contract or agreement bearing my signature.

Proof that you are currently licensed and legally authorized to collect debt in the state of Arkansas.

Full disclosure of how you obtained this alleged debt from the original creditor, including the chain of assignment or purchase agreement.

A statement that the Statute of Limitations on this alleged debt has not expired.

Verification that all amounts, fees, and interest are lawful and accurate.

In addition, per Regulation F, 12 CFR 1006.34, you must provide : A detailed validation notice including the name of the creditor, amount owed, and itemization date A disclosure of consumer rights, including how to dispute the debt A tear-off dispute form or equivalent Confirmation that no collection activities will proceed until this debt is fully validated IF YOU CAN NOT FULLY VALIDATE : You are required to : Immediately cease all collection efforts Delete this debt from all credit reporting agencies ( Experian, Equifax, and TransUnion ) Stop all communication regarding this account BE ADVISED : Continuing to pursue this debt without proper and complete validation violates : 15 U.S.C. 1692g Validation of debts 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692c Improper communication practices 12 CFR 1006 Regulation F : Debt Collection Rule Violations are subject to statutory damages of up to {$1000.00} per violation, plus attorney fees and additional damages. I have legal counsel on retainer, and they are prepared to initiate legal proceedings without delay.

Additionally, if you fail to comply with this request, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  ) Arkansas Attorney Generals Office You have seven ( 7 ) days from the receipt of this letter to fully respond with all documentation and disclosures listed above. If you fail to do so, I will consider your claim invalid and report your continued efforts as willful violations of federal law.

All future communication must be in writing only. Do not attempt to contact me by phone or any other means. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: TX

Complaint narrative:
Today XX/XX/XXXX i attempted to contact US Bank to get information on settling and closing my account. Bank played hard ball with me and said no settlement offer. 

Banks can settle and do have settlement procedures they just often prefer to force full payment instead. 

If in good faith im calling to negotiate with the bank and make it right by settling the account, i am making an honest effort to make a payment in the amount that i can and see if the bank can accept my offer. 

However, the representative said talk to a consoler to help you get back on track. Again, if i am in hardship and can not make further payments there is no catching up. 

This is it either the bank can accept and settle and still get a payment or i will just take the money i had ready for them and settle with the next bank. 

And since the bank decided to strong arm me ill strong arm them back with no further payments.

Im submitting this compliant in efforts to reach someone reasonable in the company that can give this a second look and help me out.

I am still willing to negotiate in good faith something reasonable to resolve this. But if they keep lying to me saying they can't settle then as mentioned the money i have saved for them ill just simply send to another credit card company ill be settling with.

Im in hardship. I am not settling with them but all my credit cards. To try and reduce the strain on me. But if banks play hard ball its simple my last resort will be bankruptcy protection and legal proceedings will take place to prove that i don't have the means to keep paying.

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

Complaint narrative:
Apparently, {$120.00} payment was made to a closed account. XXXX has the credit and I have called twice to have the amount moved from the closed card to the card where the balance owed. XXXX said that they would remove late fee and interest and account would be paid in full. I asked to close the account, also requested that they should not add negative information to my credit report. They said on credit report only voluntary closure would show. I looked at credit report today and they have reported me as being late. Not true and unfair. 
Thank you for looking into this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of my credit report by [ MACYS ]. This dispute concerns the erroneous reporting of a paid-off credit card as being in a negative status, which is both incorrect and unfairly impacting my credit score. THIS ACCOUNT WAS SETTLED/PAID IN FULL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report accurately reflect the true status of my accounts. Section 1681i of the FCRA requires credit reporting agencies to investigate any disputes regarding the accuracy of information on a credit report and to correct any inaccuracies that are not verified.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting of inaccurate information related to debt settlements or accounts that are paid off. By inaccurately reporting a paid-off account as negative, the creditor has failed to comply with these 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NV XXXX Ref : XXXX To whom it may concern : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX 
Account Number : XXXX Thank you for you assistance, Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity Theft, I have attached a FTC ID Theft report, the following account should be removed off my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I DONT RECOGNIZE THESE ADDRESSES AND WANT THEM REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MY XXXX XXXX AND MAILABLE ADDRESS IS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Synchrony Bank Card Services Department XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Reconsideration of Credit Application / Adverse Action Notice under 15 U.S.C. 1691 To Whom It May Concern : I recently applied for new credit with Synchrony Bank and was notified that my application was denied. I understand that one factor cited was my recently closed account, which was closed by Synchrony Bank at your initiative, not mine. I believe this basis for denial is incorrect and inconsistent with my right to fair credit opportunity under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq.

Under ECOA and its implementing regulation, Regulation B ( 12 C.F.R. Part 1002 ) : Permissible Factors : Creditors may consider only those factors directly related to creditworthiness, such as income, outstanding debt, and payment history. A closed account that was terminated by the creditor for reasons unrelated to my personal credit performance should not, by itself, constitute a valid basis for denial.

Adverse Action Notice : In the event of an adverse action, Section 701 ( a ) of ECOA ( 15 U.S.C. 1691 ( a ) ) requires that I be provided with a written notice of the action taken and the specific reasons for such action, or, at my request, a statement of the specific reason ( s ) within 60 days.

Accordingly, I respectfully request the following actions : Reconsideration of My Application : Please reevaluate my credit application removing any reference to the closed account that was closed by Synchrony Bank and not for cause related to my payment performance.

Adverse Action Disclosure : If you intend to uphold the denial, please provide me, within 30 days, a written Adverse Action Notice that : Identifies each specific reason for the denial ; Provides the name, address, and telephone number of the credit reporting agency ( ies ) to which you furnished adverse information ; and Notifies me of my right to obtain a free copy of my credit report from those agencies within 60 days of receiving your notice, pursuant to 15 U.S.C. 1681j.

Please treat this as a formal request under ECOA and Regulation B. I expect a prompt and thorough response to correct any misunderstanding and to ensure that my right to fair credit consideration is fully respected.

Thank you for your timely attention to this matter. I look forward to receiving your written response within the timeframes required by federal law. 
Sincerely, XXXX XXXX Enclosures : Copy of Synchrony account statement showing closing 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 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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

Complaint narrative:
I DONT RECOGNIZE THESE ADDRESSES AND WANT THEM REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MY XXXX XXXX AND MAILABLE ADDRESS IS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX

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

Complaint narrative:
I DONT RECOGNIZE THESE ADDRESSES AND WANT THEM REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MY XXXX XXXX AND MAILABLE ADDRESS IS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX

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

Complaint narrative:
XX/XX/XXXX i got a notification from one of my credit reporting apps that my XXXX XXXX account was changed from current to past due. 

I have never had a XXXX XXXX account or had any type of relationship with XXXX XXXX. 
It shows past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint XXXX XXXX XXXX Reporting Fraudulent Account in Violation of Federal Law Dear CFPB, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their continued reporting of a fraudulent account on my credit report, which I did not authorize or open. I believe I am a victim of identity theft, potentially connected to the 2017 Equifax data breach, which exposed sensitive personal data to criminals and put millions of consumers at risk. 

Despite having sent formal dispute letters and requests for debt validation, XXXX XXXX has failed to provide adequate verification or remove this inaccurate account. Their actions may constitute multiple violations of federal law : Applicable Laws Being Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681i Failure to conduct a reasonable investigation of a disputed item.

1681s-2 ( b ) Furnishers ( like XXXX XXXX XXXX must investigate disputes and remove or correct inaccurate information.

1681c-2 Credit reporting agencies must block information resulting from identity theft within 4 business days upon receiving proper documentation.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692g XXXX XXXX failed to provide validation of the alleged debt after my written request. 
1692e It is illegal to use false, deceptive, or misleading means to collect a debt, including reporting a fraudulent account.

3. Identity Theft Enforcement and Restitution Act XXXXXXXX XXXX continued reporting of a known identity theft account may support a claim under federal identity theft statutes and entitles me to protection and restitution.

Relief Requested : I respectfully request that the CFPB : Investigate XXXX XXXX XXXX noncompliance with the above laws, Ensure that they cease reporting the fraudulent account, and XXXX XXXX XXXX and the credit bureaus to permanently delete the account unless they provide legal, verifiable documentation proving its validity. 

I am including supporting documentation : A copy of my FTC Identity Theft Report, Dispute letters sent to XXXX XXXX and the credit bureaus, A copy of my government-issued ID. 

Thank you for your attention to this matter. I look forward to your assistance in helping me protect and restore my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX, I logged into my CashApp account and received a message stating my account was closed due to a Terms of Service violation. I was not given any advance notice or warning, and my access was immediately restricted. 

I contacted CashApp support via email and in-app help on XXXX XXXX, XXXX and XXXX asking for specific clarification on what terms were allegedly violated. I only received vague responses and was not given any direct explanation. 

The account was used for personal and work-related payments. Prior before the closure of my account I received a direct deposit from my employer for {$78.00}. And had made a purchase from XXXX for {$120.00}. These types of transactions were normal and not suspicious. I do not engage in fraudulent, suspicious, or unauthorized activity. 

XXXX refusal to provide a reason or allow me to appeal meaningfully is unacceptable, especially when I rely on that account to receive income and conveniently receive payments from my peers. I am requesting that my account be reopened or that I be provided a clear, documented reason for the closure.

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

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy. 
account number XXXX from XXXX XXXX.

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

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy. 
account number XXXX from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Around XX/XX/year> I called in a fraud report on my XXXX XXXX  credit card because I was traveling out of state. There were unrecognized charges and I wanted them resolved. The credit card Company assured me that it would be taken care of and that they would place a freeze on the account. After their supposed investigation they closed my account and told me that the balance would be XXXX and they would close my account. That I would also need to reapply for a new card. 
This now balance of {$86.00} is on my credit report as a collection and it that is not correct.

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