vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
It started around XX/XX/scrub> 2025 when I called the bank citizens inquiring about withdrawals that will be made on my account by a merchant that told me in writing that the deposit from my account had failed throughout the month ofXXXX by the XXXX my account had been overdrawn by {$4800.00} leading to my account being placed in collections I told collections I had no part of that account being overdrawn that was on citizen because I was not opt-in for protection for overdrawn account those charges or withdrawals should have been sent back while I was told by collections they was going to place it on my credit report reducing my ability to apply for new bank account and or credit citizens Bank also listed me as a high risk customer but after reading some articles I have come to the conclusion that this is a money laundering scheme The perfect Storm for such all the elements fit such as large winning from the casino all the winning 's drained Plus an additional {$4800.00} in overdrafts with no fees attached I believe that they created this scenario to launder dirty money and make it clean through my bank account to make this atrocious disregard with someone else 's funds as I look back was never my funds to begin with I was used as a vessel to carry out a plot for the greedy and criminal minded associates that help perpetuate this crime so no I do not owe {$4800.00} in overdrafts and collections need to stop contacting me and sending me US mail pertaining to this illegal act as this account I was told has been charged off while it is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have two accounts that have been written off as a charge off, that I have not received a 1099 c for. One of the accounts, I've been paying on monthly ( {$230.00} ) since XX/XX/year>2025. I believe that this is considered fraud, to continue receiving payments on an account that has been charged off. I had every intention of paying off my debt. I loved being an Amex member. I wish that my accounts were still open, but this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
On XXXX I sent Experian, Equifax, and Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.

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 2025-03-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I sent Experian, Equifax, and Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I was a victim of identity theft and Equifax credit breach

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 2025-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I was a victim of identity theft and Equifax credit breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Email : XXXX [ Date : XX/XX/XXXX ] Spring Oaks Capital XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am formally requesting validation of the debt associated with the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Current Status : Closed {$2200.00} Written Off Status Updated : XX/XX/XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide the following documentation as validation of this debt : 1. Full and Detailed Payment History : A complete breakdown of all transactions, charges, payments, and credits applied to this account since its inception. 
2. Original Signed Contract : A copy of the original agreement bearing my signature, which indicates my acceptance of the terms with the original creditor.

3. Insurance Claim Information : Documentation confirming whether any insurance claim has been filed, paid, or denied on this debt.

4. Chain of Title : A full chain of title demonstrating your legal authority to collect on this account, including all assignment and transfer agreements from the original creditor to your company.

5. 1099-C Cancellation of Debt Form : If the original creditor has reported this debt as canceled or written off, I request a copy of the IRS Form 1099-C issued to me regarding this matter.

Until I receive the requested information, I do not acknowledge ownership or liability for this alleged debt. Additionally, any attempt to continue collection efforts without providing adequate validation may constitute a violation of the FDCPA.

Please provide all requested documents within 30 days of your receipt of this letter. If you fail to provide proper validation, I will consider this matter closed and may take further action to protect my rights. 

I request that all future communication regarding this matter be conducted in writing at the address listed above. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX, PA XXXX Debt Validation Request Pursuant to 15 U.S. Code 1692g To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. I do not acknowledge this debt and demand the following information be provided before I take any further action : 1. Proof that I owe this debt, including a signed agreement or contract with my signature.

2. A detailed account of the debt, including the original creditors name, the amount owed, and how the balance was calculated.

3. Proof that your agency has the legal authority to collect this debt, including a copy of the assignment or transfer of the debt from the original creditor.

4. Verification that this debt has not exceeded the statute of limitations for collection in my state.

5. A copy of any judgments, if applicable, related to this alleged debt. 

Until I receive this documentation, I am disputing the validity of this debt, and you are prohibited from reporting it to any credit bureau or continuing collection efforts, per 15 U.S. Code 1692g ( b ).

Please respond within 4 days of receiving this letter. Failure to provide the requested validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Any further contact must be in writing.

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 2025-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I submitted a complaint because this company has sold my home without serving the owners, my husband and I, of legal documents required by judicial law prior to the foreclosure sale. It was submitted to CFPB in documentation but the Parish records and the court system has no documentation of this ever being filed. Our home was sold before we could exercise our rights as home owners without notice. see page 30 of the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer listed on my report. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING, LLC is refusing to pay the required arbitration fees, violating the terms of the arbitration agreement with the original creditor. This refusal undermines the dispute resolution process outlined in the agreement and has caused unnecessary delays and emotional distress.The agreement explicitly requires that disputes be resolved through arbitration. LVNV FUNDING, LLC refusal to pay the arbitration fees has effectively blocked the process from moving forward, making it impossible to resolve the dispute as outlined in the contract. LVNV FUNDING, LLC actions have caused significant emotional distress, as I am unable to have the matter resolved through the arbitration process as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: OH

Complaint narrative:
DOGE and XXXX XXXX have accessed my student loan information through access to the federal database and Department of education. This is absolutely a violation of my student consumer protection and I demand to have the loans and all information regarding them removed from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
R A Rogers Inc.is a collection agency and I do not have an account with this company. 
However, the collection agency has not responded with any sign documentation between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX : i called XXXX XXXX to pay total pay off amount that was seen just yesterday. Of XXXX, they added a XXXX dollar fee today before I payed off my debt, XXXX would have been total pay off for the day of today, they knowingly apply fees various amount of times per month. There's more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NV

Complaint narrative:
I want all reported accounts removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want all reported accounts removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX account 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is erroneously reporting a XXXX XXXX XXXX account on my credit reports. I have asked this company repeatedly to supply any and all information verifying that this account belongs to me and after 6 months they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian did not update my credit report or score on their website all lenders is seeing is a credit report from XX/XX/XXXX. Its XX/XX/XXXX and this report on the Experian website is from XXXX. My lender can not pursue me buying a new home because of this inaccurate credit reporting by Experian. I have sent a certified copy of my state id to Experian XX/XX/XXXX i will include that in this complaint. Its no number you can call for a live agent trust i called them all. Im glad to see trump putting people out of work bc yall are not properly doing your job. Im sending over what i see about my credit report and nothing is being done about it

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 2025-03-17 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: CA

Complaint narrative:
Final Complaint Unlawful Debt Collection, Defamation, and Credit Reporting Injury I am writing to formally dispute XXXXXXXX XXXX  continued attempts to collect an alleged debt that was lawfully set off in [ Month, Year ] under 12 U.S.C. 411. Despite my submission of lawful payment to discharge the account, XXXXXXXX XXXX has engaged in defamation, fraudulent misreporting, and unlawful debt collection by continuing to report inaccurate information to credit bureaus and restricting my access to the account. 

Over the past two years, your actions have resulted in severe financial injury, including but not limited to : Damage to my credit rating, impacting my ability to secure financial opportunities. 
Emotional and financial distress due to unlawful collection attempts. 
Violation of fair credit reporting laws and contract agreements. 
Monetary Relief Demand : As a direct consequence of your misconduct, I am demanding immediate monetary relief of {$10000.00}, reflecting the minimum credit limit allotted to the account.

Furthermore, I demand the following corrective actions : Immediate cessation of all collection efforts.

Full removal of any negative reporting related to this account from my credit reports.

Restoration of account access to review transactions and confirm compliance with lawful settlement.

XXXX XXXX refusal to honor lawful discharge, while simultaneously restricting my account access, constitutes blackmail and unjust enrichment, neither of which are lawful under federal banking and consumer protection laws. 

Should this issue remain unresolved within 10 business days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate legal channels to seek full redress for the injury caused.

There will be an allotted 10 business days to resolve this manner.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to ongoing issues with excessive phone calls and text messages. When I spoke with a representative, they were unable to provide a clear breakdown of the charges I was being billed for. Additionally, I experienced undue pressure to make a payment, including suggestions to use a family member 's or friend 's credit card or debit card to settle the balance. These actions have raised significant concerns about the company 's business practices and treatment of customers.

Company response to consumer: Closed with explanation