vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Potentially Unlawful Credit Reporting by XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Charge-Off Date : XX/XX/XXXX Balance : {$140.00} ( Charged-off and Past Due ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX due to what I believe is inaccurate, incomplete, and potentially unlawful reporting on my credit profile. The account in question is listed as charged off with a balance of {$140.00}, and there has been no communication indicating the status of the debt or issuance of a 1099-C ( Cancellation of Debt ) form.

I am concerned that the creditor is reporting the account as charged off while still listing the full balance as due, with no clear indication of whether collection efforts are ongoing or if the debt was canceled. This lack of clarity appears to violate both Fair Credit Reporting Act ( FCRA ) obligations regarding accuracy and completeness, and IRS rules requiring issuance of a 1099-C when a debt is canceled.

What I Am Requesting : 1. A formal investigation into the reporting practices of XXXX XXXX/ XXXX XXXX related to charged-off debts and compliance with federal requirements. 
2. Clarification as to whether the account has been canceled or remains due.

3. If the debt has been canceled : a. Immediate correction or deletion of the account from my credit reports.

b. Issuance of a Form 1099-C, as required under IRS regulations .

4. If the debt is still being collected : a. Validation of the debt and proof that ongoing collection is lawful.

b. An accurate update to all credit reporting agencies reflecting current status.

Supporting Information : The account continues to show a balance of {$140.00} charged off as of XX/XX/XXXX. 
No 1099-C form has been issued to my knowledge.

No payments or collection attempts have been made or documented since the charge-off.

The account is harming my credit profile and may remain on record until XXXX, which would be inappropriate if the debt has been forgiven. 

Thank you for your time and for reviewing this complaint. I respectfully request CFPBs assistance in ensuring fair and lawful handling of this account and my consumer rights. 
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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Potentially Unlawful Credit Reporting by XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Charge-Off Date : XX/XX/XXXX Balance : {$140.00} ( Charged-off and Past Due ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX due to what I believe is inaccurate, incomplete, and potentially unlawful reporting on my credit profile. The account in question is listed as charged off with a balance of {$140.00}, and there has been no communication indicating the status of the debt or issuance of a 1099-C ( Cancellation of Debt ) form.

I am concerned that the creditor is reporting the account as charged off while still listing the full balance as due, with no clear indication of whether collection efforts are ongoing or if the debt was canceled. This lack of clarity appears to violate both Fair Credit Reporting Act ( FCRA ) obligations regarding accuracy and completeness, and IRS rules requiring issuance of a 1099-C when a debt is canceled.

What I Am Requesting : 1. A formal investigation into the reporting practices of XXXX XXXXXXXX XXXX XXXX related to charged-off debts and compliance with federal requirements. 
2. Clarification as to whether the account has been canceled or remains due.

3. If the debt has been canceled : a. Immediate correction or deletion of the account from my credit reports.

b. Issuance of a Form 1099-C, as required under IRS regulations .

4. If the debt is still being collected : a. Validation of the debt and proof that ongoing collection is lawful.

b. An accurate update to all credit reporting agencies reflecting current status.

Supporting Information : The account continues to show a balance of {$140.00} charged off as of XX/XX/XXXX. 
No 1099-C form has been issued to my knowledge.

No payments or collection attempts have been made or documented since the charge-off.

The account is harming my credit profile and may remain on record until XXXX, which would be inappropriate if the debt has been forgiven. 

Thank you for your time and for reviewing this complaint. I respectfully request CFPBs assistance in ensuring fair and lawful handling of this account and my consumer rights. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: IN

Complaint narrative:
In 2021 I filed a XXXX XXXX Bankruptcy the company World XXXX was included in that bankruptcy. However, World XXXX still reporting on my credit. I'm requesting that the be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to XXXX XXXX XXXX failure to properly submit a deletion request for a tradeline that was previously agreed to be removed. Despite XXXXXXXX XXXX confirmation that they submitted a deletion request to Equifax, the tradeline remains on my credit report indicating that Equifax failed to act on the request and update my file accordingly. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under the following provisions : FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

FCRA 611 ( a ) Equifax failed to properly investigate and correct inaccurate or outdated information upon receiving notice from both myself and the furnisher ( Jefferson Capital ). 
FCRA 623 ( a ) ( 2 ) ( A ) XXXX XXXX was required to update and correct the information it reported to Equifax, including marking it for deletion if necessary. 

I contacted Equifax directly on XX/XX/scrub> 2025, in a 22-minute phone call ( screenshot attached ), and they confirmed that they had not received a deletion request from XXXX XXXX as claimed. This call was part of my good-faith effort to resolve the issue through proper dispute channels, and their failure to act constitutes negligence under the Fair Credit Reporting Act ( FCRA 611 ). This raises serious concerns of negligence or willful noncompliance from one or both parties, which has resulted in continued damage to my credit profile.

As a result of this unresolved inaccuracy, I may be entitled to statutory damages under FCRA ranging from {$100.00} to {$1000.00} per violation, or actual damages plus punitive damages in the case of willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account XXXX XXXXXXXX XXXX XXXX with account # XXXX I looked at my Equifax credit report XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation and to properly notify the consumer of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not provide any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX : ( XXXX ) XXXX : XXXX Subject : Formal Debt Validation Request & Cease and Desist Notice To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ) to immediately validate and verify the alleged debts you are reporting to TransUnion and XXXX under the following accounts : XXXX XXXX XXXX Account # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$750.00} ) XXXX XXXX XXXX Account # XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ( Original Creditor : XXXX XXXXXXXX XXXX, {$1200.00} ) You are hereby required to provide : Full and complete itemized account history including dates of default, payment breakdown, interest and fees charged Copy of the original signed contract bearing my signature Complete chain of title/assignment proving legal ownership of the alleged debt The name and address of the original creditor, and proof of your legal right to collect on their behalf Disclosure of whether arbitration was part of the original agreement You are prohibited by federal law from continuing to report these accounts, pursue collection, or communicate about this matter unless and until the requested validation is completed. Failure to provide this validation within 30 days will be viewed as your inability to legally collect this debt and a violation of : 15 U.S.C. 1692g ( b ) Failure to cease collection during dispute 15 U.S.C. 1681s-2 ( b ) Continuing to report unverifiable data to consumer reporting agencies Cease and Desist : Effective immediately, cease all collection activity, including reporting to any credit bureaus, contacting me by phone or mail, or pursuing legal action unless you can produce full documentation. 

If you continue to report these unverifiable accounts or fail to validate the debt, I will pursue all available legal remedies including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and may seek damages under 15 U.S.C. 1681n and 1681o.

This letter is written without waiving any rights, claims, or defenses, and is sent pursuant to the FDCPA and FCRA. 

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to my bank regarding a series of unauthorized charges on my account by the merchant XXXX, totaling over {$3000.00} between XX/XX/XXXX and XX/XX/year>. I did not authorize these charges and believe my account was compromised. I contacted XXXX directly, and instead of assisting me, they terminated my account and refused further communication. 

Below are the unauthorized transactions I am disputing : XX/XX/year> {$400.00} XX/XX/scrub>XXXX XXXX XXXX  {$66.00} XX/XX/year> {$44.00} XX/XX/year> {$500.00} XX/XX/year> {$50.00} XX/XX/year> {$550.00} XX/XX/year> {$200.00} XX/XX/year> {$200.00} XX/XX/year> {$200.00} XX/XX/year> {$100.00} XX/XX/year> {$130.00} XX/XX/year> {$150.00} XX/XX/year> {$300.00} XX/XX/year> {$100.00} XX/XX/year> {$100.00} XX/XX/year> {$100.00} XX/XX/year> {$35.00} XXXX followed up with my bank on XX/XX/year>, requesting documentation related to my dispute. I was told the information is not ready, but I was still given a firm XXXX deadline to respond ( by XX/XX/year> ). I am now being asked to meet a deadline without the necessary documentation to support my case. I believe this is unfair and obstructive, and possibly a violation of my rights under the Fair Credit Billing Act ( FCBA ). 

I am asking the CFPB to investigate both the unauthorized charges and my banks failure to cooperate in a timely manner. I request a full chargeback for the disputed charges, and for the bank to either produce the required documentation immediately or extend the response deadline until they do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Around XXXX, I spoke with an XXXX XXXX  XXXX  about my account. There was an over {$1600.00} credit balance, but AMEX charged me late fees and interest. They claim they sent me the check despite me not requesting it as a matter of policy. They return the balance after 90 days and immediately remove the balance from the account- even before the check is received. The credit balance was supposed to have been placed back on my account. 
I used the card for small purchases and knew my annual membership fee was coming due, but knew I had the money already on the account. When I went to use my card, it was declined. 
I reached a XXXX XXXX  employee around XX/XX/XXXX. The said the balance was on {$1300.00}. He said it would be placed on the account in XXXX days. It was not. XXXX  days later on today, XX/XX/year>, I am unable to use my card and benefits. 
I reached out again and reached XXXX, XXXX said it would XXXX days to put the credit balance back on the account. He said the earlier one was closed because the {$1300.00} was the wrong amount. AMEX employee made that error. 
I explained that until I cash they check they still have the funds. I requested the late payments be removed from the credit report. I requested the late fees and interest be reversed. I requested that the benefits that I am unable to use be doubled next month to make up for their error. XXXX connected me with his boss XXXX. XXXX said the call can be retreived with his id number XXXX. I also explained to XXXX that having a credit balance and being late and having to pay interest are mutually exclusive. I told him that FTC rules and laws consider policies and procedures that charge customers late fees and interest that are not due as federal fraud. I told him false reporting to credit bureaus is no lawful as well. He said that he would resend the check. I told him no, put the money back on the account. If he can resend the check, then amex still has the funds, If they have the funds, the payments could not be late, there could be no interest charged, and no late payments reported to the credit bureau. 
XXXX said he refused to issue the reverse the charges and he refused to put the credit balance back on the account. He said there was no one above him to address the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA closed our account hours after my husband got his VA XXXX. we called USAA. They said they closed it due to a fraudulent deposit. They would not give any more detail and said there was nothing that could be done and that they had 60 days to return the money to us. We have bills and this was our only bank. this was all of our money.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-29 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: NV

Complaint narrative:
After a final review of my credit report, I noticed an account listed on my report that does not belong to me. I have contacted XXXX XXXX XXXX XXXX and informed that this account is reporting. They did an investigation and have confirmed that the account is not mines and said they would reach out to the credit bureaus to inform them of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint against Resurgent Capital Services/ LVNV Funding LLC due to their repeated failure to validate a debt they are attempting to collect. I have sent numerous requests, with the first request submitted on XX/XX/year>, and the final request sent on XX/XX/year>. As of XX/XX/year>, the company has failed to provide any of the legally required documentation. Their continued noncompliance has caused significant harm to my credit report and is hindering my ability to qualify for a mortgage and purchase a home. Despite being unable to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they have yet to remove the account from my credit reports. I am requesting the immediate deletion of this account from all credit reporting agencies ( XXXX XXXX and XXXX  ) until and unless they can provide full and proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Mortgage Servicer 's Failure to Adjust Escrow After Tax Exemption Approval Dear Sir or Madam, I am submitting this formal complaint against my mortgage servicer for its failure to properly adjust my escrow account following the approval of a property tax exemption from my county appraisal office. 

I am a XXXX XXXX  and was granted a {$5000.00} XXXX XXXX  Exemption by the XXXX XXXX XXXX XXXX XXXX. I have submitted the official documentation of this exemption approval, as well as a copy of my proposed property tax notice which reflects an estimated tax amount of {$0.00} due for the upcoming year. 

Despite providing these documents and clearly communicating that my exemption eliminates my property tax liability, my mortgage company has continued to withdraw funds from my monthly mortgage payment for property taxes. These actions are being taken even though no tax will be assessed for the year, and I have explained this to them multiple times. 

I am requesting that my mortgage servicer stop collecting escrow for property taxes immediately and perform an escrow account reanalysis. Their failure to acknowledge the updated tax status is resulting in unnecessary financial burden and may constitute noncompliance with the Real Estate Settlement Procedures Act ( RESPA ).

Please investigate this matter and assist in holding my mortgage servicer accountable for their refusal to act on updated tax information. I am happy to provide supporting documents upon request. 

Thank you for your attention to this matter. 

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 explanation