vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
LEGAL DEPARTMENT To whom it May Concern ACCOUNT NAME : AMERICOLLECT INC ACCOUNT XXXX Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that your office has or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Original agreement that bears the original signature of the alleged debtor where in he/she agreed to pay the creditor.

3. Any insurance claims have been made by any creditor regarding this account.

4. Any Judgements obtained by any creditor regarding this account.

5. Name and address of alleged debtor.

6. Alleged account number.

7. Address on file for alleged debtor.

8. Amount of alleged debt.

9. Date this alleged debt became payable.

10. Date of original charge off or delinquency.

11. Verification that this debt was assigned or sold to creditor.

12. Complete accounting of alleged debt.

13. Commission for debt collectors if collection efforts are successful.

14 Proof of license to collect Debts in the state of Florida which you must be licensed. 

Please provide the name and address of the bonding agent for AMERICOLLECT INC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 business days for processing after I receive this information back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Ref : XXXX  XXXX ACCOUNT # XXXX, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AT ONCE FOR FAILURE TO COMPLY WITH MY REQUEST over and over from both you and XXXX  XXXX, but do not get. enclosed is the CFPB response and my request that clearly shows they are not going to give me the information, remove account or face legal response, payment history is not contract under the law I have enough evidence to file a law suit respond to CFPB, XXXX  states not reported on consumer account you should not report to that's not 100 % accurate 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 2025-06-08 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:
LEGAL DEPARTMENT To whom it May Concern ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that your office has or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, Transunion ), this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Original agreement that bears the original signature of the alleged debtor where in he/she agreed to pay the creditor.

3. Any insurance claims have been made by any creditor regarding this account.

4. Any Judgements obtained by any creditor regarding this account.

5. Name and address of alleged debtor.

6. Alleged account number.

7. Address on file for alleged debtor.

8. Amount of alleged debt.

9. Date this alleged debt became payable.

10. Date of original charge off or delinquency.

11. Verification that this debt was assigned or sold to creditor.

12. Complete accounting of alleged debt.

13. Commission for debt collectors if collection efforts are successful.

14 Proof of license to collect Debts in the state of Florida which you must be licensed.

Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 business days for processing after I receive this information back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  \n\nI sent that verification request to the creditor and also disputed with all credit bureaus. I asked if they removed these debts from my credit report. & theyve neglected to do so. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I lawfully tendered a payment by check in the amount of {$28000.00} toward an open consumer car loan account. On XX/XX/2021, I submitted a second check in the amount of {$6600.00} to the same lender, intended to either satisfy or substantially reduce the remaining balance. 
Both checks were lawfully issued, delivered, and presumed received by the intended financial institution. However, neither payment was honored, credited, nor properly applied to the loan account. No lawful explanation was given for the rejection, return, or dishonor of either instrument. 
Under U.C.C. 3-603 ( a ), tendering full payment on an obligation discharges the debt unless it is returned or dishonored for lawful cause. Further, under U.C.C. 3-501 ( b ) ( 2 ), a presentment of payment must be either honored or lawfully refused with reason.

Despite my lawful attempt to resolve or discharge the account, the lender ( or servicer ) failed to : Apply or return the tendered funds ; Provide any affidavit or documentation justifying the refusal ; Update my credit reporting to reflect the tender.

If the lender also continued to report the account as delinquent or charged off to the credit bureaus following these tenders, this would constitute a violation of FCRA 1681s-2 ( a ), which requires furnishers to report accurate information. 
These actions or inactions reflect a breach of both commercial and consumer protection laws, and have resulted in reputational harm and damage to my credit standing.

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX i noticed a fraudulent hard inquire on my report from XXXX XXXXXXXX that I never authorized this inquiry I need it remove from my credit report action I took was I call the company but they always some how disconnected the line so I appreciate if you can help me.

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 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC. Despite this, this account remains on my credit file as a closed account in the amount of {$22000.00} severely damaging my credit and causing denials and judgments from lenders. I am in the process of freezing all my accounts to protect my identity.

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 2025-06-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to formally request your assistance in resolving an ongoing issue with Navy Federal Credit Union regarding a vehicle loan for which I am listed as a co-borrower. 

A divorce was finalized in XX/XX/year>, and the court-issued divorce decree clearly states that the vehicle in question was awarded to the respondent, XXXX XXXX XXXX XXXX The vehicle is currently located in another state under her control. Despite this legal directive, Navy Federal has continued to hold me financially responsible for the loan and has stated that they do not recognize or comply with court orders relating to divorce proceedings. 

Over the past XXXX months, I have made repeated attempts to explain the situation to Navy Federal, including providing documentation from the court. Unfortunately, these efforts have not resulted in any resolution. I am now facing serious and unjust consequences, including damage to my credit report that is beginning to affect my employment prospects. 

I have filed additional motions with the court to hold XXXX XXXX accountable per the terms of the divorce decree, but in the meantime, Navy Federal continues to report negatively on my credit. I am seeking your assistance in addressing this matter and ensuring that lenders honor legal court orders, particularly when they affect consumers ' financial well-being and rights. 

Thank you for your time and consideration. I am happy to provide supporting documentation as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because Truist Bank suddenly closed both my personal and church checking accounts without warning or explanation, and they are refusing to release my funds. 
- On Tuesday, XX/XX/year>, I opened a church checking account at a Truist branch and deposited {$450.00} in cash. 
- On Thursday, XX/XX/year>, I opened a personal checking account and deposited {$100.00} in cash. I have the receipt for this transaction. 
- That same day, I used XXXX through the Truist mobile app to transfer {$55.00} to my wife. 
- On Friday, XX/XX/year>, I discovered that both of my accounts had been closed and flagged for " suspicious activity. '' I was not contacted, warned, or given any clear explanation. 
I went to the branch and was told there is a block on the accounts and that I can not withdraw my money in person. They refused to tell me when or how I will get my funds back. 
This is extremely troubling. I have done nothing suspicious, and both deposits were made in cash. I am a pastor, and the funds in the church account are designated for ministry purposes. This situation is causing serious financial hardship and emotional distress. 
I am requesting an immediate release of my funds or a formal written explanation for why my accounts were closed and blocked. 
I have documentation of all activity and deposits and feel this treatment is unjustified, discriminatory, and potentially illegal. At this point, I may have to retain legal counsel to help me sort out this issue and pursue any damage is caused by thereof

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 2025-06-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX  - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX 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 XXXX  - XXXX XXXX  - XXXX XXXXXXXX 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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took out a {$1000.00} installment loan from Bright Lending on XX/XX/year>. The terms were extremely unfairrequiring XXXX payments of {$280.00} and XXXX final payment of $ XXXXtotaling nearly {$5700.00}. 

The APR was disclosed as 699.9998 %, which I now realize is extremely predatory. So far I have paid about {$1700.00}, which is already more than the original loan amountyet I still owe XXXX  more. 

I am requesting that the loan be marked as paid in full, and that the company stop further collections or payment attempts. This loan is causing serious financial harm and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, 2025, Chase Bank notified me of closing my personal, childrens, and business accounts ( e.g., [ Account Numbers ] ) effective XX/XX/year>, without providing a reason. Despite contacting the XXXX XXXX ( XXXX, CA ) and customer service, no explanation was given, and the decision was deemed irreversible. 

As a CEO of a pre-revenue tech startup ( XXXX ), I rely on these accounts for payroll ( XXXX ) and personal finances. I request an investigation, explanation, and account reinstatement. Supporting docs : closure notice, transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC. Despite this, this account remains on my credit file, severely damaging my credit and causing denials and judgments from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I paid {$610.00} via XXXX to a hairstylist under misleading, coercive, and unauthorized conditions. The service I received was not what I originally agreed to, and the payment method used was not one I had the opportunity to consent to prior to the transaction. 

Background : I booked a hair service through the stylists official website. The total cost listed was {$580.00}, which included a bundle package of XXXX, XXXX, XXXX lengths and a steam treatment. Her website clearly stated that only XXXX XXXX and XXXX were accepted. 

What Happened : After the service was completed not before or during the stylist told me I could only pay using XXXX, which was never disclosed upfront. I felt pressured and coerced into sending the payment via XXXX because the service was already finished and I feared conflict or escalation. 

Additionally, the stylist changed the service without informing me : She installed longer bundles ( 24, 26, 28 ) than I had booked.

She added a {$40.00} dandruff treatment without my consent. 
I was only told the new total of {$630.00} after the service was done. 

Despite the unauthorized changes, I paid {$610.00} ( after applying my {$25.00} deposit ) because I had no recourse in the moment and feared the situation escalating. 

Service Failure : Within an hour of leaving, the hair began slipping. I returned for a fix on XX/XX/XXXX, but the same issues occurred. The install was ultimately unwearable, and I had to remove it entirely. I contacted the stylist requesting a partial refund, but my messages were ignored.

Why Im Filing This Complaint : I was coerced into using a non-listed, irreversible payment method ( XXXX ). 
I was charged for services and products I did not agree to. 
The product failed immediately, showing it was not fit for the purpose advertised. 
I had no ability to contest or decline the changes prior to completion. 

I am requesting a formal investigation and support in reversing this XXXX transaction, as this was not a simple service dissatisfaction it was a deceptive and coercive transaction that exploited the irreversible nature of peer-to-peer payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MO

Complaint narrative:
As Of Today XXXX National Recovery Can not or Will NOT PROVIDE ANY LEGAL SUBSTANCE ( Signature, Contract, Picture ) To Sustain This UNKNOWN DEBT Is Mine. 
I've ZERO KNOWLEDGE Of Company, Dollar Amount, XXXX!!. 
This DARK WEB Has Dinged Me In The Past, And NATIONAL RECOVERY Is Showing EVERY SIGN Of Being DARK WEB FALSE INFORMATION. 
PLEASE HELP. 
PLEASE REQUIRE REQUIRE REQUIRE VALID INFORMATION ( SIGNATURE, CONTRACT ). I've Also Reported To XXXX. 
THANKS. 
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 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am writing to file a formal dispute concerning an unauthorized auto loan account that has been fraudulently reported under my credit file as a result of identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I became aware of this fraudulent account in XX/XX/year>, and I have since filed a police report and reported the identity theft to the Federal Trade Commission ( FTC ). This fraudulent account must be permanently removed and blocked from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires that : The fraudulent data be permanently blocked within 4 business days of receiving proof of identity theft ; My credit file be updated and corrected within 15 calendar days. 

The furnisher ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) Of the fraudulent data also be notified to cease reporting the account.

Company response to consumer: Closed with explanation