vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
This letter serves as a formal dispute regarding the reporting of the XXXX XXXX XXXX XXXX XXXX account ( Account ending in [ last XXXX digits ] ) on my credit report. After careful review, I have found several serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. that require immediate correction.

Violations Identified : 1. False Foreclosure Reporting : The account is listed as Foreclosure when it is clearly a vehicle repossession, not a mortgage foreclosure.

Misclassifying repossession as foreclosure severely damages my credit profile and misleads potential lenders, violating FCRA 15 U.S.C. 1681e ( b ).

2. Incomplete and Inaccurate Balance Reporting : The account lists no balance but states there may be a balance due.

Under FCRA guidelines, a specific final balance must be reported or the account must be resolved/closed properly.

3. Incomplete Payment History : Numerous months are marked as NR ( Not Reported ) across multiple years.

Payment history reporting must be complete, consistent, and accurate if it is reported at all.

4. Outdated, Stale Reporting : The account was last updated in XX/XX/XXXX but continues to damage my credit report in XXXX. 
Stale and unresolved data violates the FCRAs reasonable procedures requirements.

5. Conflicting Comments : The account comment states Transferred to Another Lender while also stating the merchandise was repossessed.

This materially misleads lenders and violates the duty of maximum possible accuracy.

Resulting Harm : Due to these violations, I have suffered : Credit score suppression, Denial of new credit, Increased interest rates, Emotional distress and reputational injury.

Formal Demands : 1. Full Deletion : I demand the immediate and permanent deletion of the XXXX XXXX XXXX XXXX XXXX tradeline from my credit files at Experian, Equifax, and TransUnion. 
2. Monetary Compensation : I demand monetary compensation of {$5000.00} for the damages sustained under FCRA provisions allowing statutory, actual, and punitive damages ( 15 U.S.C. 1681n and 1681o ).

3. Written Confirmation : I require written confirmation of the deletion and a settlement offer regarding monetary damages within 15 calendar days of your receipt of this dispute.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, along with the initiation of a private lawsuit for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XXXX  XXXX XXXX  OF XXXX XXXX XXXX  Of 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 2025-04-29 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XXXX  XXXX XXXX  OF XXXX XXXX XXXX  Of 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 2025-04-29 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
" I am disputing the validity and ownership of the alleged debt that LVNV Funding claims to have purchased. The original accounts in question were previously deleted from my credit reports, and no active reporting currently exists for these debts. Despite this, LVNV Funding has sent me a letter asserting ownership without providing sufficient validation or documentation to substantiate the debt, including proof of chain of title, detailed account history, or a signed agreement bearing my signature. Given that the debts were deleted and no new reporting has occurred, I believe LVNV Funding is attempting to collect on accounts that are either invalid, time-barred, or otherwise unenforceable. I am requesting a full investigation into this matter. '' acct # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: TX

Complaint narrative:
Complaint Against : Jefferson Capital Systems , LLC Date of Incident : XX/XX/year> Consumer Location : XXXX, USA I am filing this complaint against Jefferson Capital Systems , LLC for failure to provide proper debt validation, misleading financial practices, and referral to an unauthorized third-party subscription service. 
I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of a debt they claimed I owed. Instead of providing proper documentation such as the name of the original creditor, the amount owed, or a copy of a signed agreement Jefferson Capital responded with a generic message directing me to call a number or visit their website. No debt validation documents were provided. 
When I followed up, a representative told me I needed to pay {$1.00} to access my debt validation report. I paid the {$1.00} under that assumption. Instead, I received an email confirming that I had been enrolled in a subscription-based credit monitoring service, which would begin billing me {$24.00} monthly starting XX/XX/year>. I was not informed that the {$1.00} was tied to a subscription, nor did I knowingly agree to any recurring charges. 
Fortunately, I was able to cancel the subscription in time. However, this situation reflects misleading and deceptive conduct. A consumer should not be required to pay for debt validation, and certainly not misled into signing up for unrelated subscription services under the guise of receiving legally required information. 
What Im Requesting : A full investigation into the practices of Jefferson Capital Systems , LLC. 
Official enforcement of their obligation to provide proper debt validation without coercion or deceptive practices. 
A record of this complaint as part of any ongoing pattern of abuse or consumer rights violations. 
Attachments & Evidence Available Upon Request : The email confirming the {$1.00} charge and upcoming subscription billing. 
Screenshot of Jefferson Capitals response to my debt validation request. 
Timeline and notes of my communication with their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 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: FL

Complaint narrative:
In coordinates with the very fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 a section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions under 15U. S c 's 166BA creditor may not treat a payment on a credit card account under an open and consumer. Credit plan as late for any purpose.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
When attempting to make a payment on Kia Finance America 's website I receive the following message, " We are unable to complete your request at this time. Please try again or contact our customer service department at XXXX ''. 

After contacting customer service they are requesting additional fees to process the payment. This situation has been ongoing now for two months with no explanation given for the problems or why I am unable to make my lease payment.

Kia Finance American refuses to waive the fee to process my payment and is unable or unwilling to give an explanation as to why I am unable to process my payment for free on their website. 

After asking to speak with a supervisor I was left on hold for nearly 30 minutes and was forced to hang up since they wasted my entire lunch break attempting to rectify this situation and make my payment. 

I have successfully made my lease payments on time for 13 months and now I am unable to do so. I've even sout to make my payments expeditiously thru my bank XXXX XXXX XXXX XXXX XXXX however Kia Finance Is not listed as a company able to accept electronic payment. Hyundai XXXX however is listed. 

Kia Finance is deliberately forcing me to pay extra not only in daily interest but charging me additional fees to make my lease payment with no explanation as to why I am unable to pay thru their website for free!

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-29 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: IL

Complaint narrative:
I am updating my complaint against Experian. 
Despite submitting documented proof that XXXX XXXX is falsely reporting my charged-off account with inflated balances after the charge-off date, Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 ( a ).

Experian merely updated the reported balance from {$930.00} to {$950.00} without addressing the core issue that the account was charged off in XX/XX/year> and should not show growing past-due balances thereafter. 

XXXX actions violate FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to ensure accuracy ), and 611 ( b ) ( failure to provide a full description of their reinvestigation process ). 

I am requesting that Experian immediately delete the XXXX XXXX tradeline from my credit file due to failure to conduct a lawful investigation and furnish accurate information.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am updating my complaint against Experian. 
Despite submitting documented proof that XXXX XXXX is falsely reporting my charged-off account with inflated balances after the charge-off date, Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 ( a ).

Experian merely updated the reported balance from {$930.00} to {$950.00} without addressing the core issue that the account was charged off in XX/XX/year> and should not show growing past-due balances thereafter. 

XXXX actions violate FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to ensure accuracy ), and 611 ( b ) ( failure to provide a full description of their reinvestigation process ). 

I am requesting that Experian immediately delete the XXXX XXXX tradeline from my credit file due to failure to conduct a lawful investigation and furnish accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: VA

Complaint narrative:
This letter serves as a formal complaint against Credit Control , LLC, a third-party debt collection agency that is illegally attempting to collect a debt from me in the Commonwealth of Virginia without proper licensure or documentation. 

I have never had any contractual agreement with Credit Control , LLC for any debt, nor have they provided any legally valid proof that they own or have been assigned this alleged debt. Their actions are unlawful, deceptive, and in direct violation of state and federal consumer protection laws. 

Additionally, this company is reporting negative information to the credit bureaus related to this so-called debt. The tradeline in question contains inaccurate, unverifiable, and misleading information, which is actively damaging my credit and reputation. 

Legal Violations Committed by Credit Control , LLC : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e & 1692g Reporting and attempting to collect a debt without providing validation or proof of authority from the original creditor.

Using false, deceptive, or misleading representations, including falsely implying that they are legally permitted to collect debt in Virginia.

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Furnishing inaccurate or incomplete information to credit reporting agencies.

Continuing to report the debt after failing to verify its accuracy upon request.

Virginia Code 6.2-2001 et seq. Virginia Consumer Finance Act Operating without a valid debt collection license in the Commonwealth of Virginia. Any debt collection activity conducted without proper state licensing is illegal and grounds for immediate enforcement action. 

Unjust Enrichment and Fraudulent Representation Attempting to collect funds that have not been proven owed by me constitutes unjust enrichment and a bad faith effort to profit from an illegitimate claim.

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 2025-04-29 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I am filing this complaint to dispute inaccurate and damaging late payment information reported on my mortgage by First United Bank, appearing on my credit report from XX/XX/XXXX through XX/XX/XXXX, as well as a 90-day late remark reported in XX/XX/XXXX that I believe to be entirely incorrect. 

These late payments were reported during a period of temporary financial hardship caused by income loss due to layoffs and a sudden spike in our mortgage payments. During this time, we acted quickly and responsibly by informing First United Bank of the situation. The bank approved us for loss mitigation and a modified trial payment plan starting in XX/XX/XXXX, under which we made every single payment on time. 

Unfortunately, despite these efforts and our consistent communication, the late payment notations remain on our credit report, severely impacting our credit standing and preventing us from securing a mortgage for a new, smaller home after responsibly paying off our previous loan in full. We were not informed by First United Bank that participation in their assistance program would result in negative credit reporting, which has now unfairly penalized us for acting in good faith. 

Moreover, the XX/XX/XXXX XXXX late payment is inaccurate ; this payment was made on time. We have a long, consistent history of timely payments and strong credit management. 

First United has shown goodwill in working with us, and we appreciate that. However, the credit reporting practices in this case are harmful, misleading, and potentially in violation of the Fair Credit Reporting Act ( FCRA ), especially regarding the accuracy of reported information and our right to a fair dispute process. 

I am requesting that the late payments from XX/XX/XXXX to XX/XX/XXXX, and the XX/XX/XXXX 90-day late mark, be removed from all credit reports. We have exhausted all goodwill efforts with the creditor, and are now seeking regulatory action and oversight. 

We sold our Home XXXX XX/XX/XXXX and they also reported this payment late. Which was not late and paid in full. The entire loan was paid in full and closed XXXX XX/XX/XXXX. 

I ask that the CFPB require First United and the credit reporting agencies to conduct a full and fair investigation and make the appropriate corrections to our credit reports without further delay. This negative reporting is unjust, disproportionate, and not reflective of our usual payment behavior or current financial condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was never made aware of who Nelnet was prior to receiving an email on XX/XX/XXXX stating that a balance was due on XX/XX/XXXX. Nelnet did not make contact with me prior to reporting delinquent payments on my account. How can a payment be due on XX/XX/XXXX but also have me in a delinquent state for missing unknown payments for 90 days? There was never an email sent to my email address or never a letter sent to my address to let me know that I ever had a payment due in 30 days, let alone once it was past due by 30 or 60 days. But I was made aware of this situation once my credit score dropped and I received the email on XX/XX/XXXX. My credit score should not be impacted when there is no record of them making contact with me to let me know a payment was due over 3 months ago. Again, the very first email I received only lets me know that an upcoming payment is due on XX/XX/XXXX. I do have screenshots and proof that my Nelnet inbox did not send any alert to say a payment was due or past due prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation