vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC, through its servicer Resurgent Capital Services, and XXXX XXXX XXXX ( XXXX  XXXX, issued by XXXX Bank ), initiated debt collection efforts against me without proper legal standing. After reviewing the documents and responses provided, I identified several legal violations and inconsistencies : 1. No Proof of Debt Ownership or Assignment Both LVNV and XXXX failed to produce a valid chain of title, signed original contract, or purchase agreement proving ownership of the alleged debt. They only provided billing summaries and internal account statements, which do not satisfy the requirements for debt validation under 15 U.S.C. 1692g ( b ) ( FDCPA ).

2. Continued Collection After Cease and Desist Despite sending a Cease and Desist letter via certified mail ( with return receipts signed by their representatives ), Resurgent continued to send emails and contact me, violating the FDCPA. 



3. Remittance Coupon Sent No Response In XX/XX/year>, I sent a remittance coupon to XXXX Bank XXXX XXXX, which I have reason to believe is the indentured trustee for the trust pool holding the alleged securitized account. The coupon was never returned. Under UCC 3-603 and UCC 3-501 , failure to return a remittance constitutes a form of dishonor or acceptance by silence, which may result in discharge of obligation. 



4. Debt Securitization Nullifies Collection Rights If the alleged debt was securitized ( pooled and sold into a trust ), it was converted into a security and no longer collectible by a third-party debt collector without full disclosure of : The trust name XXXX  number Closing documents SEC filings Their refusal to disclose this violates 15 U.S.C. 77k, 77l ( a ), and 78j, as it constitutes material omission and securities fraud.

5. Failure to File IRS Form 1099-C If XXXX XXXX or XXXX Bank charged off the debt, they were required to issue IRS Form 1099-C per 26 U.S.C. 6050P. Their failure to do so while simultaneously attempting to collect suggests possible tax fraud and double accounting in violation of 26 U.S.C. 166.

6. FCRA & GLBA Violations The continued attempts to collect and possibly report the debt : Were done without permissible purpose under 15 U.S.C. 1681b ( FCRA ) And without proper consumer disclosures under 15 U.S.C. 6802 ( GLBA Privacy ) 7. Aggravated Identity Theft By attempting to use my identity without legal authority or contract to collect, resell, or securitize the account, these companies may have violated 18 U.S.C. 1028A, constituting Aggravated Identity Theft. 




8. Pattern of Abuse This is not a singular occurrence. Other consumers have alleged similar practices. The case Johnson v. Continental Finance Co., LLC ( 4th Cir. 2025 ) establishes a pattern of improper charge-off handling and fraudulent collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiBank closed my checking account in XX/XX/year>. Since then, I have not spent any money or made any transactions on this account. Despite this, CitiBank has charged me fees on the closed account, without ever providing me with statements. I only discovered this issue when they reported a 90-day late payment to the credit bureaus, which has negatively impacted my credit score. 

I never authorized any transactions after the account closure, and I never received any account statementspaper or electronicshowing these alleged fees. It appears CitiBank added fees after closure, then continued to charge late fees on top of those, and then reported it as delinquency. This is both inaccurate and unfair. In fact, when logging on to the banking website I can not use any functions to pay if there were fees. I have included a screenshot showing my balance as XXXX. 

Resolution I am seeking : Removal of all fees and charges assessed after the account closure.

Immediate correction of my credit reports to remove the 90-day late payment.

Assurance that no further negative reporting or collection activity will occur.

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 2025-08-17 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for furnishing inaccurate information to credit reporting agencies and failing to correct a material error in a vehicle financing contract. The contract was executed under the incorrect name XXXX XXXX, which is not my legal name. I did not authorize the transaction, and the dealership added a {$1600.00} service contract without my consent. Despite multiple attempts to resolve this, XXXX XXXX continues to report this account to the credit bureaus. I am disputing a vehicle financing account reported by XXXX XXXX XXXX that was executed under the incorrect name XXXX XXXX. My legal name is XXXX XXXX, and I did not authorize or consent to this variation. The contract misrepresents my identity and was not executed in accordance with my intent to purchase the vehicle under a business entity. I have provided copy of contract, statements, and documents that prove this contract is invalid

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 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WI

Complaint narrative:
I am filing a consumer complaint regarding a fraudulent {$1100.00} collection placed on my credit by Resident Interface ( Hunter Warfield ), on behalf of XXXX XXXX and XXXX XXXX XXXX  in XXXX, MN. 

This collection was never billed to me, I was not given any itemized breakdown, and it was placed on my credit without notice or legal validation. It has damaged my credit and caused ongoing financial harm. 

More importantly, my apartment was in uninhabitable condition, including : Toxic black mold growing from the ceiling due to water damage A malfunctioning heating system that failed during subzero temperatures I had no heat, and management refused to fix it I had to wear a snowmobile suit to bed just to avoid freezing As a result, I became ill and missed work, suffering lost wages and physical discomfort Later, during the summer, the heater became stuck on high, and my dogs nearly died from heat exposure when the interior reached dangerously high temperatures. Again, maintenance was delayed and dismissive. 

After I moved out in good faith, without owing anything, XXXX XXXX allowed a debt collector to report a false {$1100.00} charge, which I never received any written bill or explanation for. This appears to be retaliation or negligence, and it violates the FDCPA, FCRA, and likely local landlord-tenant laws. 

Resolution Requested : Immediate removal of the {$1100.00} debt from all credit bureaus Full validation and breakdown of any alleged charges An investigation into XXXX XXXX and Resident Interface for unsafe housing, fraudulent collection activity, and tenant retaliation I am submitting parallel complaints to the Minnesota and Florida Attorneys General, and I intend to file civil legal action if this is not resolved immediately. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
Filed a dispute with the company regarding goods purchase that had problems and being not able to return them. XXXX filed the XXXX transactions incorrectly then the dispute was overturned. XXXX filed the claims correctly leaving out XXXX item that was suppose to be disputed. XXXX requested documentation by fax which was provided to support my claims. Evidence was sufficient showing damages that were unbearable. XXXX overturned my dispute incorrectly and is trying to charge me for goods in which were not obtained in the condition they were suppose to be. Which XXXX refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I sent Radius Global Solutions a formal written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In that request, I disputed the alleged debt in its entirety and specifically demanded complete, verifiable documentation to substantiate their claim. 

Documentation Requested ( Not Provided ) A true and legible copy of the original signed contract with the original creditor. 

The full chain of title, including all assignments and transfers from the original creditor to Radius Global Solutions. 

Proof that Radius Global Solutions is the Holder in Due Course, as required under the Uniform Commercial Code ( UCC ), Articles 3 and 9. 

If the alleged debt has been securitized, the XXXX and XXXX XXXX ( XXXX ) and Schedule of Assets identifying the specific account. 

A complete debt itemization, including original principal, applied interest, fees, penalties, and any payments made ( per 12 CFR 1006.34 ( c ) ( 2 ) ).

Documentation proving legal standing to collect and report the alleged debt. 

Copies of all prior communications related to this alleged account. 

To date, the company has failed to provide any of these documents. Instead, they continue to report and pursue collection without complying with federal law. 

Federal Violations Identified FDCPA 15 U.S.C. 1692g ( b ) : Continuing collection without providing proper validation.

FDCPA 15 U.S.C. 1692e : False representation of authority or ownership of the debt.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishing and verifying inaccurate or unsubstantiated information with credit reporting agencies.

TILA 15 U.S.C. 1641 ( g ) : Failure to disclose transfer of ownership from the original creditor. 

UCC Articles 3 and 9 : Attempting to collect without proof of legal standing or holder-in-due-course status.

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 2025-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
remove this fraudulent inquiries its hurt my credit report : 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: OH

Complaint narrative:
I submitted a legally valid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the State of Ohio to XXXX. This certificate is intended to remove automatic employment barriers and restore my right to be fairly considered for work. XXXX completed their reinvestigation but ignored the XXXX, left the report unchanged, and gave no explanation about why the certificate wasnt applied or noted. This directly impacts my ability to get hired and violates my rights under Ohio Revised Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My rights are being violated a XXXX debt thats not mine from commercial acceptance 15 USC 1681 ( A ) FCRA 611 ( A ) ( 5 ) ( B ) FDCPA 809 FDCPA title 15 Section 1692 -1692 p Of the United States Codes are being Violated The no statements or contracts to show a debt exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I purchased a training course from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>, using Affirm financing. The course was advertised as XXXX and described as a XXXX XXXX ( online modules plus XXXX days of live training ). These claims were central to my decision to purchase, as XXXX  accreditation is required for continuing education credit and professional licensing purposes. 

After purchase, I discovered that XXXX is not listed as an XXXX-accredited provider. I confirmed this directly with the XXXX  via phone and email ( evidence attached ). Despite repeated requests, XXXX never provided documentation to prove accreditation until disputes were filed. 

I also requested documentation showing my access to the course portal. XXXX acknowledged my requests but never provided the records. The phone numbers on their website do not work, and many of my refund requests by text and email went unanswered ( evidence attached ). 

I filed disputes with XXXX ( my payment processor ) and Affirm ( the financing company ). XXXX reviewed my case and refunded my deposit. Affirm has not yet resolved the matter, and I am continuing to be held financially responsible for a misrepresented product that was not delivered as promised. 

I also filed complaints with the XXXX XXXX XXXX and the New York State Attorney Generals Office due to the misrepresentation and lack of response from XXXX. 

This situation has caused significant financial and professional harm. I am seeking a full refund and closure of the Affirm loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
a stranger opened a savings account with my name as co owner from a Bank online system without my knowledge. On XX/XX/year>, {$44000.00} was transfered from my checking account to the fraudulent savings account. on the same day, {$19000.00} was transfered from the savings account to fraudster 's checking account in the same Bank. On XX/XX/XXXX, my wife disputed unauthorized transaction in person. On XX/XX/XXXX my wife and I disputed the unauthorized transaction again and reported it to police. On XX/XX/XXXX, made claim with the Bank for provisional credit. the Bank agent assisted transfering {$24000.00} from the savings account to my checking account, a new checking account was created, old checking account was seized. closed two old credit cards and opened two new credit cards. On XX/XX/XXXX, received email and mail denying my claim for credit. On XX/XX/XXXX, sent a written notice for unauthorized transaction and opening fraudulent savings account to the Bank with police report via certified mail. On XX/XX/XXXX, sent certified mail to requetst documents that was used to deny my claim. On XX/XX/XXXX, called fraud department to ask why no response is received. On XX/XX/XXXX, sent certified mail to request for refund of stolen amount {$19000.00}..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
The investigation left errors on my credit report that i'm disputing

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 2025-08-17 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: Harris & Harris, Ltd.
State: MS

Complaint narrative:
Company still havent removed it from my credit report when they stated they would would. It will be a month starting tomorrow since they stated they would remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AK

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS

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 2025-08-17 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX, VA XXXXnDate of Birth: XXXX\nSSN: XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXn\nSubject: Request for Deletion/Reinvestigation of Bankruptcy Record\n\nXXXX XXXX XXXX\nDeaXXXX XXXX XXXX XXXX,\n\nI am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681i and other applicable laws.\n\nThe following item is being reported inaccurately and/or without proper verification:\n\nPublic Record Type: Bankruptcy XXXX XXXX XXXX XXXX XXXX, VA XXXX\n\nFiling Date: XXXX XXXX XXXX\n\nCase Number: XXXX\n\nMy Dispute Basis:\n\nLack of Direct Verification: The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.\n\nNo Consumer Reporting Authorization: The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information.\n\nPotential Violation of FCRA  607(b): You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness cannot be guaranteed.\n\nViolation of FCRA  611: If you cannot obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.\n\nMy Demand:\nPursuant to the above laws, I am demanding the following:\n\nA complete reinvestigation of this bankruptcy record within XXXX days of receipt of this letter.\n\nWritten proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.\n\nIf you cannot provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.\n\nPlease note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my states Attorney General.\n\nAttached is a copy of my drivers license and proof of address for identity verification.\n\nSincerely,\n\n\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Orions Management Group, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX XXXX GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Harassing Debt Collection Calls from ORIONS MANAGEMENT GROUP XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally submit a complaint against ORIONS MANAGEMENT GROUP ( XXXX XXXX ) for repeated harassing debt collection calls. Despite my prior request that they stop contacting me, I have received approximately 10 calls from their representatives. 
During these calls, I was subjected to threats, including being told I could lose my home. The callers also yelled at and intimidated me, which has caused significant fear, distress, and emotional harm. 
I am submitting evidence, including : A screenshot of a recent call from ORIONS MANAGEMENT GROUP / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Documentation showing how this account is being reported on my credit report. 
Violations of Federal Law Each call and each threat is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Specifically : 15 U.S.C. 1692d ( 5 ) Prohibits causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass. 
XXXX5 U.S.C. 1692d Prohibits conduct with the natural consequence of harassing, oppressing, or abusing the consumer.

15 U.S.C. 1692e ( 4 ) & ( 5 ) Prohibits making false threats of legal action or threats to seize property ( such as my home ) when such action is not lawful or intended.

15 U.S.C. 1692e ( 10 ) Prohibits the use of false, deceptive, or misleading representations.

Each of the 10 calls represents an individual violation. Each threat made during these calls constitutes an additional violation. 
Requested Resolution I respectfully request that the CFPB : 1. Investigate XXXX XXXX  for their repeated harassing and unlawful collection practices. 
2. Compensate me {$1000.00} per violation, totaling {$10000.00}, as provided under the FDCPAs statutory damages provision. 
I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected and that XXXX XXXX is held accountable for their unlawful practices. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation