vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
XXXX XXXX XXXX is furnishing systematically false and impossible account timeline data to all three major credit bureaus ( Equifax, TransUnion, and Experian ) in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ). 
Account Details : Account Number : * XXXX Date Closed : XX/XX/XXXX ( Equifax ) or XX/XX/XXXX ( TransUnion ) - inconsistent Date of First Delinquency : XX/XX/XXXX ( XXXX months AFTER closure ) Last Payment Date : XX/XX/XXXX ( XXXX years AFTER closure ) Current balance : {$7600.00} despite being closed The Violation : It is physically impossible for a consumer to become delinquent, make payments, or carry a balance on an account AFTER it has been closed. Additionally, XXXX is reporting inconsistent closure dates to different bureaus, further proving data fabrication. 
I have disputed this account multiple times. Each time, XXXX " verified '' these impossible dates without providing any explanation for how activity occurred after closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
XXXX XXXX XXXX is furnishing systematically false and impossible account timeline data to all three major credit bureaus ( XXXX, TransUnion, and XXXX  ) in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ). 
Account Details : Account Number : * XXXX Date Closed : XX/XX/XXXX ( Equifax ) or XX/XX/XXXX ( TransUnion ) - inconsistent Date of First Delinquency : XX/XX/XXXX ( XXXX months AFTER closure ) Last Payment Date : XX/XX/XXXX ( XXXX years AFTER closure ) Current balance : {$7600.00} despite being closed The Violation : It is physically impossible for a consumer to become delinquent, make payments, or carry a balance on an account AFTER it has been closed. Additionally, XXXX is reporting inconsistent closure dates to different bureaus, further proving data fabrication. 
I have disputed this account multiple times. Each time, XXXX " verified '' these impossible dates without providing any explanation for how activity occurred after closure.

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 2025-11-04 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:
I am filing this complaint regarding multiple student loan accounts that have been reported inaccurately on my credit report. These accounts began showing XXXX late payments without any prior notification from the servicer. I have been disputing these accounts since XX/XX/year>, and to this day, there have been no updates, corrections, or proper investigation results from any of the credit bureaus.

Dept. of Education / XXXX Account # XXXX {$4400.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$7500.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$3500.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$2000.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$2200.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$1700.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$4800.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX ( Late Payment ) The late payments in question appeared after the federal deferment and forbearance programs were unexpectedly ended. 

I was never notified that the deferment or payment pause had been canceled, and as a result, I was placed into a delinquent status without proper notice or an opportunity to make payments before negative reporting occurred. 

This is a XXXX XXXX factual dispute under the Fair Credit Reporting Act ( FCRA ). The information being reported is inaccurate, incomplete, and misleading under FCRA XXXX and XXXX. 

My student loan servicer failed to provide timely or written notice before reporting negative information, and the credit bureaus have failed to conduct a proper reinvestigation as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding multiple student loan accounts that have been reported inaccurately on my credit report. These accounts began showing XXXX late payments without any prior notification from the servicer. I have been disputing these accounts since XX/XX/year>, and to this day, there have been no updates, corrections, or proper investigation results from any of the credit bureaus. 

Dept. of Education / XXXX Account # XXXX {$4400.00} ( XXXX XXXX ) Dept. of Education / XXXX Account # XXXX {$7500.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$3500.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$2000.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$2200.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$1700.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX {$4800.00} ( Late Payment ) Dept. of Education / XXXX Account # XXXX ( Late Payment ) The late payments in question appeared after the federal deferment and forbearance programs were unexpectedly ended. 

I was never notified that the deferment or payment pause had been canceled, and as a result, I was placed into a delinquent status without proper notice or an opportunity to make payments before negative reporting occurred. 

This is a XXXX XXXX factual dispute under the Fair Credit Reporting Act ( FCRA ). The information being reported is inaccurate, incomplete, and misleading under FCRA XXXX and XXXX. 

My student loan servicer failed to provide timely or written notice before reporting negative information, and the credit bureaus have failed to conduct a proper reinvestigation as required by law.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This is a XXXX XXXX and FCRA factual dispute regarding an inaccurate, unverifiable repossession account being reported by Global Lending Services. Ive been disputing this for over 90 days, and Ive received no verification, no documentation, and no lawful reinvestigation from you or any credit bureau. 
You have failed to verify, failed to reinvestigate, and continue to knowingly report false and misleading information, violating FCRA 1681i, 1681s-2 ( b ), and XXXX XXXX XXXX standards. 
I specifically requested : The original signed retail installment contract Full payment history Repossession notice and deficiency balance documentation Proof of sale or assignment of the vehicle Proof of ownership after the sale Any Form 1099-C issued after sale All required correspondence under the FDCPA ( 15 U.S.C. 1692g ) None of this has been provided. Reporting this account without validation is willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

I am demanding immediate and permanent deletion of this repossession from all credit bureaus, with no reinsertion permitted under FCRA 1681i ( a ) ( 5 ) ( B ). 
If not fully removed within 15 days, I will proceed with a civil lawsuit seeking damages, attorney fees, and all remedies allowed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
Account is not mine. No relationship with them. Never authorized anything with them. 
XXXX acct no. XXXX I HAVE NEVER SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/year> I spoke with XXXX from XXXX XXXX. XXXX promised to get me $ XXXX in credit card approvals. XXXX falsely represented that if I gave him a {$2000.00} deposit which I did provide from my AMEX Credit Card that he would get me $ XXXX in credit card approvals. I gave XXXX the {$2000.00} deposit as he requested in good faith. XXXX falsely represented that the {$2000.00} deposit would be for the first {$2000.00} in credit card limits ( which XXXX assured me would be well over {$20000.00} in credit card limits. ) At which time XXXX stated that if he didn't get me the {$20000.00} in credit card limits that he would refund my {$2000.00} deposit. So after I paid the {$2000.00} deposit .Jacob stated that he would have someone to call me in a couple of days to start the " onboarding '' process in other words after he received my {$2000.00} deposit and it was confirmed He ( XXXX XXXX would get me set up in the credit card program/scam.Once the call ended I did some research on XXXX and the XXXX XXXX and found out that there were multiple negative reviews and multiple complaints with the XXXX XXXX XXXX XXXX XXXX XXXX  I decided that I didn't want to proceed or receive any services from XXXX or the XXXX XXXX or do any business with any business that had such negative and bad reputation and who had scammed hundreds or evens thousands of people out of their money. So I reached out to XXXX and informed him that I changed my mind about wanting to be enrolled/ '' onboarded '' in the credit card program. At which point I never received any services from XXXX or Anyone from the XXXX XXXX even up to today. So I reached out to XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> explaining to him that I changed my mind about enrolling in his credit card program and that I would like for him to return my {$2000.00} deposit since no services were provided and I hadn't enrolled in the program and he agreed in writing and verbally that if no credit card funding was received by me from XXXX XXXX ( which none was received ) then he ( XXXX ) a representative for XXXX XXXX would issue me a refund in other word return my {$2000.00} Deposit. Which the Deposit was for services that I never received at anytime from XXXX or XXXX XXXX. But once I told him I didn't want to enroll/onboard with such an unethical company after investigating and determining that XXXX and XXXX XXXX were a scam. XXXX refused to return my {$2000.00} deposit as promised and agreed.Lastly, XXXX stated that the only way he would return my {$2000.00} deposit was that if i could get someone else to pay him {$2000.00} for my " seat '' in his unethical credit card program/scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jeffersons Capitol LLC has been sending me mail regarding a XXXX debt of {$190.00} from a XXXX in XXXX contract. The start date of the down payment was XX/XX/year>, but I was a minor with no legal authorization from a parent or guardian at that time making this an invalid contract. I have already sent them a written letter in regards to the delinquency from XXXX and proceeded to send me mail regarding the debt. I also have been trying to confirm my information ( birthday and SSN ) as well as my reference number, but it seems to not go through. However, it seems that they have my name and address right. I have called them to confirm my debt and I told them my real birthday and they said they cant validate my identity since they can not match my real birthday with the birthday on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank XXXX XXXX XXXX XXXX account of XXXX  years closed without notice causing my credit scores to drop by over 50 points. Never late last payment in XX/XX/year> balance pay off closed for non use supposedly. Only way I found out was trying to buy wife birthday present and card declined. Would not complain but this happened with same Bank 1 year ago with another card that was never late with XXXX balance. In my opinion this is premeditated retaliation for not carrying large balances. XXXX credit limit XXXX XXXX XXXX card changed my credit card use % took my total credit available down and shortened my length of credit history. Company just said oh well you will have to reapply. I did least time but now I feel this is a predatory lending practice by this particular Bank Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am sending to formally dispute several addresses on my credit report that I believe to be inaccurate, unverifiable, or improperly reported. These discrepancies do not align with my verified financial and personal records and have negatively affected my credit profile. Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that can not be verified and to request a full reinvestigation to ensure that my credit report reflects only accurate and complete information. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weber & Olcese, PLC
State: GA

Complaint narrative:
Background : In XX/XX/year>, a garnishment action was filed through the XXXX XXXX XXXX XXXX related to my account with XXXX XXXX. Since that time, I have been actively making payments toward the judgment, and both the court and XXXX XXXX have records confirming these payments. 

Despite this, the same garnishment filing appears to have been resubmitted recently, which has caused confusion and concern. I have communicated directly with the court to clarify that : I do not work for XXXX XXXX and have never been employed by them. 

My last employer was XXXX. 

I continue to make regular payments toward the debt as agreed. 

I have also provided supporting documents to the court, including proof of payment and related correspondence. 

It appears that Weber & Olcese , PLC may have initiated or repeated a garnishment action that duplicates one already resolved or actively being paid. I am unsure why this filing occurred again, especially considering there has been no lapse in payment activity or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
I am submitting this statement to document improper collection activity and inaccurate reporting by CBE Group , Inc. regarding the above-referenced account. XXXX CBE Group has engaged in continued contact and reporting actions that I believe violate provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have already issued a formal Cease and Desist Letter instructing CBE Group to immediately stop all communication and to refrain from sharing or selling any information related to this account. 

Additionally, I have filed disputes with all three major credit bureaus XXXX XXXX XXXX XXXX under FCRA 611, requesting verification and correction or deletion of this account due to lack of proper validation. 

Despite these efforts, the collection activity and reporting persist without full verification or documentation of lawful ownership of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX continues to report late payments and delinquency on my Experian credit report, even though the account is covered under a formal Account Restructure Program ( ARP ) with confirmation number XXXX. 

Under this agreement, XXXXXXXX XXXX approved a restructured payment plan of {$20.00} per month at a fixed 6 % APR until the balance is paid in full. As part of this arrangement, once three consecutive payments are made, the account is considered current and must not be reported as late. 

On XX/XX/year>, I made three payments totaling {$60.00}, fulfilling that requirement. Despite this, XXXXXXXX XXXX  continues to furnish false late payment information to Experian. This is damaging my credit score and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 



Violations Cited : FCRA 1681e ( b ) : Experian failed to maintain reasonable procedures to assure maximum possible accuracy. 
FCRA 1681i ( a ) ( 1 ) : Experian failed to promptly reinvestigate and correct inaccurate information within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : XXXXXXXX XXXX furnished information known or believed to be inaccurate. 
FCRA 623 ( a ) ( 2 ) : XXXXXXXX XXXX failed to correct or update information once it became inaccurate. 
FCRA 1681i ( a ) ( 5 ) ( A ) : Experian failed to delete unverifiable information. 

XXXXXXXX XXXX own written communication states that after three consecutive ARP payments, the account must be marked current. Therefore, continuing to report late payments is inaccurate, misleading, and unlawful.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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