vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am a victim of identity theft and have filed a report with the FTC. I submitted a dispute to the credit bureaus under the FCRA, requesting the removal of accounts, inquiries, and personal information that do not belong to me. Despite providing sufficient documentation ( FTC ID Theft Report, proof of identity, and address ), the bureau ( s ) failed to properly investigate and resolve my dispute as required under 15 U.S.C. 1681i.

To Whom It May Concern, I am formally disputing and requesting immediate deletion of inaccurate and unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681c.

I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and am enclosing my Identity Theft Report, government-issued identification, and proof of address. 

The following items are being disputed and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed {$1900.00} - XXXX XXXX {$1800.00} ( Needs Attention ) - XXXX Closed {$0.00} - XXXX  Closed {$0.00} XXXX XXXX  Hard Inquiries ( Unauthorized / Identity Theft ) : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to the above, I am requesting : - Removal of all incorrect names and addresses from my credit file - Permanent deletion of all closed and paid accounts that are not legally verifiable or are obsolete - Removal of any reported late payments I demand a full reinvestigation of these items. If they can not be verified, they must be removed from my credit profile. Please send me a new copy of my updated credit report reflecting these corrections.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1. XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$2500.00} balance Violation : Conflicting account status and credit limit reporting ; charge-off while listed as open and past due. 
Law : 15 U.S.C. 1681i, 1681s-2 ( b ), Metro 2 Demand : Delete for unverifiable status, inaccurate high credit limit, and lack of contract.

2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Status : * * Collection for {$2000.00} Violation : Improper aging of payment history, marked as 120 days late ; no signed documentation provided. 
Law : 15 U.S.C. 1681e ( b ), 1681b Demand : Remove immediately for lack of permissible purpose and unverifiable data.

3. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Status : * * Charged-off with {$3200.00} Violation : High credit reported as {$3200.00} while past due balance exceeds that ; factual contradiction under Metro 2 .

Law : 15 U.S.C. 1681e ( b ), Metro 2 Demand : Delete immediately due to factual inaccuracy.

4. XXXX XXXX XXXX XXXX XXXX Status : * * Charge-off with {$270.00} balance Violation : Reported as in dispute, then resolved without verification ; shows closed but reported as active. 
Law : FCRA 1681s-2 ( b ), CFPB enforcement on XXXX  & Equifax for sham dispute practices RDemand : Remove account due to failure to verify and improper reinvestigation.

5. XXXX XXXX XXXXXXXX XXXX XXXX  Status : * * Charge-off with {$590.00} past due Violation : Misleading status ; no contractual agreement provided ; long dormancy period with inconsistent updates.

Law : 15 U.S.C. 1681i, Metro 2 Demand : Delete for unverifiable status and noncompliance.

6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$630.00} Violation : Disputed multiple times ; no method of verification provided; duplicate entries found on XXXX  and XXXX. 
Law : 15 U.S.C. 1681s-2 ( b ), 1681b Demand : Remove immediately due to unverifiable and duplicated reporting.

7. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Status : * * Charge-off with {$570.00} Violation : Same as above ; multiple trade lines referencing the same debt under different numbers.

Law : Metro 2 Guidelines & 15 U.S.C. 1681e ( b ) Demand : Delete as duplicate and unverifiable.

8. XXXX XXXX XXXX XXXX XXXX Status : * * Charge-off with {$1100.00} Violation : Balance exceeds credit limit ; high credit reporting is inconsistent with credit line.

Law : FCRA 1681e ( b ), 1681s-2 Demand : Delete due to Metro 2 and factual reporting violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Demand for Collection Account Removal Violation of FCRA and FDCPA To Whom It May Concern, This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX days. I am exercising this right and demanding strict compliance. 

Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( XXXX ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have XXXX days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have been calling Honda Financial Services every day for over two weeks requesting my payoff letter. 

Ive given my account information multiple times, and each time they say they will send it, but I never receive anything. 
I need this letter immediately, and I am very disappointed with the lack of response. 

Please investigate and help me get the document I have repeatedly requested. 

My name is : XXXX XXXX XXXX : American Honda ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
I purchased a vanilla gift card and put {$350.00} on it. I spent {$160.00} of it that night and was left with {$180.00} as my balance. I went to use the card the next day my purchase was denied. I checked the card and all {$180.00} had been taken by ctrl alt delete charges for {$30.00} each taken at a time that I was not using the card. I submitted a complaint with thw card and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX, a third-party collection agency reporting an account to TransUnion that XXXX believe is inaccurate, unvalidated, and should be removed from my credit file. Despite my prior dispute with TransUnion, the account was marked as verified, but no proper documentation or supporting evidence was ever provided to me. Account Details : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. Original Creditor : XXXX XXXX XXXX : {$470.00} Account Number : * XXXX ( partial ) Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance as of XX/XX/XXXX : {$470.00} Creditor Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX I am requesting the CFPB to review and assist with the removal of this collection account for the following reasons : XXXX. Lack of Proper Validation : I have not received any documentation that proves this debt is valid and that I am legally obligated to pay it. Specifically, there has been no itemized statement of charges from XXXX XXXX or evidence that XXXX XXXX has the legal authority to collect on this debt. 2. No Evidence of Fair Investigation : My previous dispute was returned by Equifax as meets FCRA requirements, but neither XXXX  nor XXXX XXXX provided the basis for verification. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, data furnishers must provide accurate and verifiable documentation during an investigation. Without this, the account should be removed. XXXX. Disputed but Still Damaging : Although the account reflects that I dispute the information, it continues to negatively impact my credit profile with an unpaid collection status, which is misleading and unfair without full validation. XXXX. Potential Billing or Account Error : I do not recall owing this debt or having any unresolved balance with XXXX XXXX. There is a possibility of a billing error, outdated charge, or mistaken identity, none of which has been resolved through the proper validation process. I request that this account be fully investigated by the CFPB, and that documentation of the alleged debt be provided. If the debt can not be fully validated, I am asking that it be removed from my credit report in accordance with the FCRA. I also request confirmation that XXXX XXXX and TransUnion are both complying with federal regulations related to fair and accurate reporting. Thank you for your time and attention to this matter. I respectfully request your assistance in resolving this issue in a fair and timely manner. Sincerely, 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 2025-06-22 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX LexisNexis Recently I looked at a copy of my LexisNexis and noticed several incorrect accounts. I feel that these accounts are adversely affecting my consumer report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FAILED TO STOP WITHIN ASSURED CLEAR DISTANCE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) OPERATING - LICENSE SUSPENDED, REVOKED, DENIED : TICKET # : XXXX CASE # : XXXX CASE FILE DATE : XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RFNA, LP
State: AL

Complaint narrative:
On XX/XX/year> {$4000.00} was taken out of my account by Republic Fiance llc. I have no knowledge of this company. I never took out a loan with this company before. I know my XXXX  have a Debt with a loan company. Im left with nothing that was my life savings. Its not fair! I would know how I go about getting my money back. I shouldnt be responsible for someone else debt that I had no ties to. Can you please look into this matter. Company is located in XXXX XXXX Alabama. I spoke with XXXX XXXX which is my bank they stated it was court ordered that I would have to reach out to the debt collector. Again its not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have a collection from LVNV Funding LLC on my credit report for the amount of XXXX I went to the website I was redirected to Resurgent Capital Services . The site shows a balance from a XXXX XXXX credit card from XXXX and XXXX XXXX Account which show they are currently not able to information at this time. No balance is shown on website. This account was reported on XX/XX/XXXX with no record of a debt for that amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account in Dispute : XXXX {$1700.00} Complaint Summary : I do not recognize or owe this debt. LVNV Funding obtained and is using my personal information without consent. No original application or legal agreement exists. 

Relief Requested : Permanently delete, cease collection, and provide complete investigation results, chain of assignment, forward flow agreements, and wet-signed contract. 



Account in Dispute : XXXX {$1400.00} Complaint Summary : This is a fraudulent debt. I never applied for credit through LVNV. There is no signed agreement or business relationship authorizing them to report on me.

Relief Requested : Block and remove this entry, provide all documents proving ownership and collection rights, including the original signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Upon reviewing my credit reports, I discovered that a XXXX XXXX  account is reporting late payments on XXXX credit bureau but not on the other. This inconsistency raises serious concerns regarding the accuracy and reliability of the information being furnished. 

Accurate and consistent reporting across all credit bureaus is essential for maintaining a fair credit profile. The presence of conflicting informationespecially when it negatively affects my credit standingundermines that principle and causes unwarranted harm to my financial reputation.

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 2025-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: WA

Complaint narrative:
I am being contacted by a collection agency called ARstrat, claiming that I owe {$94.00} for a bill from XXXX XXXX. This is a debt I do not owe. I had already paid XXXX XXXX in full after months of back-and-forth over billing errors. In fact, I was even sent a refund check by XXXX XXXX for an overpayment, which confirms that my account was fully settled. 

Now, Im receiving multiple notices from ARstrat stating that XXXX XXXX has referred a {$94.00} balance to them for collection. I have XXXX XXXX statements and proof of payment to support my case. I fear that this false collection may have already been reported to the credit bureaus, which could negatively affect my credit standing. 

I have attempted to contact XXXX XXXX to resolve this but have not received a clear response. I also disputed the debt with ARstrat in writing. 

This entire situation is extremely stressful, especially since I fulfilled my financial responsibility and am now being punished due to errors on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LEADER ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/XXXX, we closed on an FHA mortgage through XXXX XXXX with an {$18000.00} second loan labeled as Down Payment Assistance ( DPA ). Although we had over {$20000.00} in cash, high W-2 income, and excellent credit scores ( XXXX ), we were told the FHA + DPA structure was our only option. We were also told that {$10000.00} in discount points were required, and that the loan would not close unless we signed. 

We later discovered : Points were optional and only reduced our interest rate by 0.37 % ( from 6.25 % to 5.875 % ) We were denied the ability to apply more toward our down payment, despite repeated requests Disclosures changed multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX The final closing documents did not match earlier agreements, and key disclosures were missing or conflicting Public records list our loan as conventional, despite it being FHA We were charged twice for the upfront PMI : once added to our loan balance and again as a cash cost at closing We received conflicting copies of the Affidavit of Property Value ( ours vs. public ) and disbursement statements ( title company copy vs. what we were given at signing ) We raised concerns before and after closing, asked for explanations, and requested assistance multiple times, but were denied. We believe we were misled, overcharged, and provided false or incomplete information, resulting in a more expensive and unaffordable mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Alleged Debt - Account Opened XX/XX/XXXX - {$410.00} Balance To Whom it May Concern, This letter is a formal notice that I am disputing the validity of the alleged debt referenced on my credit report by your company, XXXX XXXX XXXX, with a reported balance of {$410.00}, listed as opened on XX/XX/XXXX. 

I do not recall ever receiving notice from your company in writing as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 US Code 1692g, which states that within five days of initial contact, the collector must provide written notice of the debt, including : 1. The amount of debt 2. The name of the original creditor 3. A statement of my right to dispute the debt within 30 days 4. A statement that if I dispute the debt in writing within 30 days, your office will provide verification of the debt 5. A statement that, upon written request, your office will provide the name and address of the original creditor I have never signed any agreement or contract with your company, nor have I received proper notification of validation of this debt. Under the FDCPA, I am requesting the following : - Validation of the alleged debt, including a copy of any signed agreement bearing my signature - Proof that XXXX XXXX XXXX has the legal right to collect this debt - The name and contact information of the original creditor Until this information is provided, I am requesting that you cease all collection efforts and remove this account from all credit reporting agencies immediately in accordance with 15 US Code 1692g ( b ), which states that collection activities must cease until the debt has been validated.

If you are unable to provide the required validation, this account must be deleted from my credit reports with all major credit bureaus ( XXXX, Equifax, and XXXX  ) under the Fair Credit Reporting Act ( FCRA ), 15 US Code 1681i.

Please respond in writing within 30 days. I am keeping a record of all correspondence for documentation purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
In XXXX, Boeing employee credit union financed my card for me which was XXXX XXXX and the vehicle got stolen twice in XX/XX/year> and XXXX XXXX whiles the claim was pending by my insurance BOEING EMPLOYEE CREDIT UNION kept on reporting me for late payment. This made me call them and ask if i continue to make my payment and the insurance pays off the total loss of the vehicle are they going to pay refund me the rest of my balance that i paid and the customer service said NO. iI pushed by calling the insurance day and day out to make sure the total loss is being paid and they paid all the balance off. 
Before that i ask them, would they delete the late payment which is 5 late payments from my report and they assured me yes they will after when the insurance pays everything. After the payment i called to ask when they going to delete the late late payments they promised to delete thats where they telling me there is nothing they going to do and they can't delete the late payment after all the works that i did which was their responsibility to do whiles the claim was on pending. 
Am pleading on your team to help me delete those 5 late payments cos its really affecting my credit and i dont deserve this and i felt desperate and worried about my report

Company response to consumer: Closed with explanation