vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Re : XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX Dear Credence Resource Management I am responding to your communication about a debt you're trying to collect. 
You contacted me by phone on XX/XX/year> identified the debt as being from XXXX XXXX XXXX and that I had XXXX options with the debt. XXXX. Was to pay the debt in full. XXXX was to file a dispute. 
Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I have been getting calls by this debt collector about 2 times a day. I have told them to stop calling me. The next day they called again and I told them again to stop contacting me. They then called me again today. They have been making calls to my phone at least once a day for about a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, Bank of America unlawfully denied my credit card application despite receiving my secured prepaid tender and explicit lawful instructions. I clearly provided secured payment upfront pursuant to Federal Reserve Act Section 16 ( Parts 1 & 2 ), Equal Credit Opportunity Act ( 15 USC 1691 ), Truth in Lending Act ( 15 USC 1601 ), and U.C.C. 3-603 ( b ). 

On XX/XX/year>, Bank of America received my initial certified mail package containing explicit instructions, lawful tender, a UCC-1 financing statement evidencing my secured-party creditor status, and a Durable Power of Attorney affirming my authority. They ignored my tender and did not respond. 

I sent a second certified letter on XX/XX/year> ( delivered XX/XX/year> ), clearly stating their default, restating my prepaid secured position, and explicitly demanding arbitration details per their credit card agreement. Again, Bank of America failed to acknowledge my secured tender, refused to issue the prepaid credit card, and did not provide arbitration information. 

Bank of America 's actions constitute unlawful withholding of prepaid secured credit, violation of federal credit laws, and refusal to honor lawful tender.

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 2025-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Initially assigned to XXXX XXXX as the loan processor. 
loan number XXXX We applied the loan at the end of XXXX, XXXX. The credit report was run on XX/XX/XXXX. 

We have been communicating with the loan processor, and have provided all requested documents. The emails and phone calls should have been recorded. 

On XXXX, XX/XX/XXXX, we have been actively speaking with XXXX. 

On XX/XX/XXXX, we received the call from XXXX XXXX regarding the missing documents. My husband and I were on the phone with her, confirmed she was able to see the documents that she did not have to call us. 

We have not heard back for a few weeks regarding loan application. On XXXX, my husband called XXXX and left the voicemail for the update. On XX/XX/XXXX, Called BOA saying that the application was " temporarily closed '' so asked to contact XXXX XXXX. 

A few days later, we got a call from XXXX XXXX that the processing team closed the application and encouraged me to go to the branch and re-apply if I did not want to run the credit report again since it will last 120 days. 

We met with XXXX at the branch, very nice staff who seemed to be more thorough saying the credit report last up to 90 days thus the new report will be run by HELOC team. 

I am not providing consent to run another credit report unless I dispute and cancel the previous credit report that they did not have to run without finalizing the loan application. 

On XX/XX/XXXX, I spoke with the representative stating that the application was actually closed on XX/XX/XXXX. He also stated that a few documents were missing ; mortgage note, XXXX months deposit statement, IRS installation, balance sheet twice. My husband submitted the documents via e-mail and portal multiple times. Their technical issue is not our fault. 

I am willing to re-submit the heloc application despite taking extra time for us to re-submit the documents and travel time to branch. Yet I am asking what was the delay and the issue making an excuse for not receiving the documents. My main request is to dispute the credit report that they ran without completing the first application that we have submitted with all documents they have asked. No duplicate credit report is needed for BOA failed to complete the review on time.

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 2025-04-19 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: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies Experian are reporting multiple unauthorized hard inquiries on my consumer credit reports. These inquiries were not initiated, authorized, or consented to by meneither verbally nor in writing. The listed inquirers, including XXXX XXXX XXXXXXXX, and XXXX, have confirmed that no signed application or documented consent exists to justify pulling my credit report. 

Despite sending each credit bureau a formal legal demand citing the Fair Credit Reporting Act ( FCRA ) and requesting deletion of these inquiries, they continue to appear in my reports. The credit bureaus have failed to provide proper verification or evidence and have not conducted a legally sufficient investigation as required. 

This constitutes a direct violation of the following federal statutes : 15 U.S.C. 1681b No permissible purpose exists for these inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) Information that can not be verified must be deleted.

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I was not provided with signed authorization or application.

15 U.S.C. 1681s-2 Furnishers must ensure the accuracy and legitimacy of reported information.

15 U.S.C. 1681c-1 Consumers are entitled to protection against 
unauthorized access.

12 U.S.C. 5531 ( UDAAP ) Continued reporting of unverifiable inquiries constitutes a deceptive and abusive practice. 

Supporting Case Law and Enforcement Actions : 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 v. Experian 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 v. Experian XXXX. XXXX, XXXX XXXX XXXX. XXXXXXXX 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 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
MAIL FRAUD Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) 18 U.S. Code 1341 : This section covers frauds and swindles, and can apply to debt collection schemes involving the use of mail or other carriers.

Criminal penalties : In some cases, violating the FDCPA can lead to criminal charges, particularly if it involves fraud or other illegal activities. 

This is to put you on notice that you XXXX XXXX will be included in a lawsuit for using XXXX XXXX  Postal Service to send XXXX XXXX fraudulent Billings fraudulent debts that he has repeatedly disputed and you have failed to do any investigations or supply XXXX with any documentation to validate your claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Steel River Systems, LLC
State: LA

Complaint narrative:
Dispute of Debt - STEEL RIVER SYSTEMS , LLC, Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. 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 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MO

Complaint narrative:
Ive paid it and still waiting for it to be removed off credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like these inquires to be remove from my credit report so my credit report can report accurately INQUIRES XXXX XXXX XXXX XXXX XXXX on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-04-20 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: MS

Complaint narrative:
After reviewing my credit report. I was shocked to see these fraudulent accounts. I am not liable for this debt. I do not have a contract with this company. They did not provide me with original contract as requested. Please remove these fraudulent accounts from my credit report. They are affecting my ability to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: TN

Complaint narrative:
I was offered to refinance my vehicle at the rate of 12.33 %. They knew what my credit score was, and they lied about the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi - I have XXXX accts with this company, XXXX XXXX card, XXXX card and XXXX XXXX card. I have not been late with payments beyond XXXX  day or XXXX as far as I can remember. I have never gone near my account limits. I have always paid more than the minimum payment. Between XXXX 2024, CIti decreased all XXXX credit limits to just above my credit balances. A total of {$17000.00} decreased from my credit limits. {$8000.00} from my XXXX credit limit alone. When I contacted Citi, they said it was due to my XXXX  credit score. My XXXX credit score at the time was XXXX. Citi 's own credit scoring system showed XXXX. Now, my credit score is XXXX. This has caused my score to go from good to needs work. When they did this and refused to reverse their decision, I locked the cards and cut them up. I started paying only the minimum payments on these cards. Since then, they decreased my limits XXXX more, always to just above my balanced, keeping my utilization high. The last XXXX times, they say they are doing this due to high balances on revolving lines and low payments on XXXX or more accounts with us. I have made only the minimum payments on these accounts due to their actions of treating a good customer very poorly. I worked hard to get my score up as high as it was. Even if they were to restore my limits to what they were in XXXX of 2024, my score will not be what it was.

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 2025-04-19 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: LA

Complaint narrative:
There seems to be a some late payments on my consumer report relating to XXXX, however, I personally have never opened an account with XXXX XXXX. The role of consumer reporting agencies is to provide accurate consumer information to the best of their ability. If proof can not be provided that these accounts were opened on my behalf, I demand that the late payments and account to be completely removed from my report. Thank you

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 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit XXXX I demand information I have asked for in the past but never got a response You are required to stop reporting this account on my consumer reports FCRA605B states it is illegal to report ANYTHING on my consumer report with out my permission there at least XXXX violations I have on record for you Because I never received the information please send it through the CFPB so its on record complete information or delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request a fair resolution regarding the closure of my XXXX XXXX accounts numbered XXXX and XXXX. 
These accounts were closed without prior justification or proof of any default or contractual violation on my part. 

To date, I have not received verifiable documentation supporting the reason for these closures. In the absence of such documentation, and pursuant to the Doctrine of Estoppel by Silence as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, the failure to respond with evidence, when there is a duty to do so, constitutes an admission. Therefore, I must reasonably presume that there is no valid reason or alleged debt justifying the closure of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request a fair resolution regarding the closure of my XXXX XXXX accounts numbered XXXX and XXXX. 
These accounts were closed without prior justification or proof of any default or contractual violation on my part. 

To date, I have not received verifiable documentation supporting the reason for these closures. In the absence of such documentation, and pursuant to the Doctrine of Estoppel by Silence as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, the failure to respond with evidence, when there is a duty to do so, constitutes an admission. Therefore, I must reasonably presume that there is no valid reason or alleged debt justifying the closure of these accounts.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for its repeated reinsertion of a fraudulent account on my credit report, despite my numerous attempts to dispute and have it permanently removed. 

The account in question, with the following details : Creditor Name : XXXX XXXX Account Number : XXXX Date First Reported : XX/XX/2023 was the result of identity theft and has been previously disputed and removed by Experian. I have submitted documentation on multiple occasions, including a police report and an identity theft affidavit, affirming that I did not authorize or open this account. 

Despite these efforts, Experian continues to reinsert this fraudulent account on my credit file without providing the legally required written notice within five business days of reinsertion, as stipulated under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

This repeated reinsertion is causing undue stress and damage to my creditworthiness, and I believe Experian is in direct violation of federal law. 

Attached are the following supporting documents : A copy of my government-issued ID Proof of residence Identity theft affidavit, FTC and police report A copy of my current credit report showing the reinserted account I request that the CFPB investigate this matter promptly and ensure that Experian permanently deletes this fraudulent account from my credit file and complies with all relevant FCRA requirements. 

Thank you for your time and assistance in this matter. 

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX I let my Daughter use my credit card to open a car Insurance policy with XXXX this was a XXXX time payment. In XXXX of XXXX I noticed XXXX charges on my card of {$440.00} XXXX XXXX both from XXXX. I called my credit card company to dispute this charge because I didn't make it nor approve it plus my daughter informed me that she never signed up for recurring payments XXXX as a matter of fact she made payments from her checking account after the original down-payment in XXXX, I requested proof from my credit card company of a recurring payment agreement XXXX never received it. The charge was removed from my account only to reappear a few weeks later.

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