vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
15 USC 1666b ( A ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to consumer not later than 21 days before the payment due date ( Credit acceptance corporation ) Never sent the period statement along with the disclosures from section 1637 ( b ) I requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided This is unfair, illegal, fraudulent, and not equitable to me as a consumer Delete the late payments from my credit/ consumer report

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 2025-12-02 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: TX

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX for incorrect and conflicting credit reporting of 30-, 60-, and 90-day delinquencies on my mortgage. The reporting does not match the actual payment history shown, and there are inconsistencies, including months marked OK immediately before or after months marked as 90 days late, which is not mathematically or procedurally possible.

During the same period, I submitted multiple hardship requests due to my fathers XXXX treatment and death. XXXXXXXX XXXX  sent me letters indicating I was eligible for assistance, including forbearance or partial claim options, yet continued to report late payments. It is unclear whether my hardship request was properly processed, delayed, or mishandled internally. 

I requested a full payment ledger, a detailed audit of how payments were applied, and clarification of my hardship status during the months in question. I have not received the information. Without these documents, I can not verify whether XXXX incorrectly applied payments, misreported delinquencies, or failed to process my hardship request appropriately. 

The inaccurate reporting has now caused a loan denial and has significantly harmed my credit. I am requesting that the CFPB intervene so XXXX XXXX can provide the full ledger, complete audit, hardship processing history, and correct any inaccurately reported delinquencies.

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 2025-12-02 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:
I am filing a complaint against XXXXXXXX XXXX for incorrect and conflicting credit reporting of 30-, 60-, and 90-day delinquencies on my mortgage. The reporting does not match the actual payment history shown, and there are inconsistencies, including months marked OK immediately before or after months marked as 90 days late, which is not mathematically or procedurally possible. 

During the same period, I submitted multiple hardship requests due to my fathers XXXX treatment and death. XXXX XXXX sent me letters indicating I was eligible for assistance, including forbearance or partial claim options, yet continued to report late payments. It is unclear whether my hardship request was properly processed, delayed, or mishandled internally. 

I requested a full payment ledger, a detailed audit of how payments were applied, and clarification of my hardship status during the months in question. I have not received the information. Without these documents, I can not verify whether XXXX incorrectly applied payments, misreported delinquencies, or failed to process my hardship request appropriately. 

The inaccurate reporting has now caused a loan denial and has significantly harmed my credit. I am requesting that the CFPB intervene so XXXXXXXX XXXX can provide the full ledger, complete audit, hardship processing history, and correct any inaccurately reported delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
b'I am filing this CFPB complaint because Experian continues to report inaccurate and unverified information on my credit report. My previous disputes were not properly investigated as required under the FCRA.\nCharged-Off\nExperian is reporting the following items inaccurately: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 XXXXnI request that the CFPB direct Experian to conduct a full, lawful reinvestigation and remove all accounts, inquiries, or late payments that cannot be fully validated with original documentation.'

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 2025-12-02 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: NJ

Complaint narrative:
I am outraged that TransUnion has illegally reinserted two unauthorized XXXX XXXX XXXXXXXX XXXX ( XXXX & XXXX ) into my credit report, despite the fact that they were previously deleted following my dispute. This blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 5 ) ( B ), occurred without the required notice or certification. TransUnions failure to provide proper investigation and certification from the furnisher is a direct violation of my rights as a consumer. These accounts were reported without permissible purpose, in violation of 15 U.S.C. 1681b ( 2 ), and their reappearance shows a complete disregard for the accuracy requirements of 15 U.S.C. 1681e ( b ). Despite filing complaints with the Pennsylvania Attorney General and XXXX, nothing has been done to resolve this issue. I demand immediate and permanent removal of these unauthorized accounts from my credit report and a thorough investigation into TransUnions actions. If this matter is not resolved promptly, I will pursue all legal remedies, including litigation and escalation to the Attorney General. TransUnions continued failure to comply with the law will not be tolerated.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Reason for Dispute : This account is missing required identifying information and contains inconsistent past-due data, making it impossible to validate under FCRA 609 ( a ). 

Account Details : Past Due : {$610.00} Payment Status : Collection / Charge-off Last Reported : XX/XX/year> Legal Citation : 15 U.S. Code 1644 Fraudulent Use of Credit Cards Any account activity not proven to be directly authorized by me must be removed. If the furnisher can not provide full validation, this tradeline must be deleted. 

Requested Action : Delete this account if proper verification can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing this complaint because Harris & Harris , Ltd. has placed an invalid, false, and non-collectible debt ( Account XXXX. XXXX ) on my credit report as of today. This action is causing immediate financial harm, and I dispute this item in its entirety.

1. The Debt is Inherently Impossible : The alleged debt is for a defaulted XXXX account. I am a current, active XXXX XXXXustomer in excellent standing and have been for four ( 4 ) consecutive years. I have no past due or defaulted accounts with the original creditor. The claim that I owe an alleged {$260.00} debt to XXXX  is demonstrably inaccurate. I have attached proof of my current, active XXXX  account, which makes the existence of this old collection account impossible.

2. History of Repetitive, Illegal Re-selling : This exact alleged debt has been sold to and attempted to be collected by two ( 2 ) other debt collection agencies prior to Harris & Harris , Ltd . 
* In both previous instances, after I formally disputed the debt and provided my documentation, the prior collection agencies investigated the matter and CONFIRMED the debt was not my responsibility, and they subsequently ceased collection efforts. 
* Harris & Harris , Ltd. has now purchased this debt and is attempting to collect and report it, violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt that has been repeatedly proven to be false.

3. Demand for Immediate Action : I demand that Harris & Harris , Ltd. immediately and permanently take the following actions : 1. Deletion : Immediately delete this collection entry ( Account XXXX. XXXX ) from all three credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

2. Cessation : Immediately cease all further attempts to collect or report on this specific, false, and invalid {$260.00} debt.

I expect a swift resolution and confirmation that the account has been deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am sending this letter in response to your ( letter/phone call ) received on [ date ]. This is a request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Verification that I am legally obligated to pay this debt, including : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of fees, interest, and any other charges A copy of the original signed contract or agreement showing my obligation 2. Proof that you are authorized to collect this debt, including : Your license number and the state in which you are licensed to collect Documentation showing chain of ownership if the debt was sold or transferred 3. A copy of your companys privacy notice as required.

Until you provide all requested information, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX  is reporting a XXXX XXXX account on my credit file using information that is false, contradictory, and legally unverifiable. In a prior CFPB complaint, XXXX XXXX stated that the debt was never sold, that no third party had authority over the account, and that XXXX was solely responsible for all reporting. That statement was false. 

The court record and the fully executed Stipulation Agreement dated XX/XX/2024, filed under California Code of Civil Procedure section XXXX, prove the opposite. In that agreement, XXXX acted entirely through Hunt and Henriques LLP, who exercised full enforcement authority over this account. Their attorneys negotiated the settlement, set payment terms, accepted every payment, maintained the payment ledger, threatened enforcement, and controlled judgment entry and dismissal. These actions are only possible when a creditor delegates full enforcement authority. This directly contradicts XXXX previous statement to the CFPB. 

XXXX  relied on XXXX false statements, ignored legally binding court documents, and closed my prior dispute without conducting a legally required reinvestigation. XXXX  continued reporting this tradeline as though XXXX was the active furnisher, even though the record shows conflicting information regarding who had authority, who enforced the debt, and who handled the payments. When the furnishers own statements contradict the legal record, the account can not be verified under the Fair Credit Reporting Act. Because XXXX  failed to reconcile these contradictions and failed to verify the accuracy of the information, the reporting is misleading and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: HI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-12-02 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:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint because multiple XXXX XXXX XXXX XXXX accounts are being inaccurately reported with late payments on my credit reports. I am requesting a full investigation and immediate correction. I have never been late on these accounts, and the information being furnished violates the FCRA 602 ( A ), 607 ( B ), 611, and Fair Credit Reporting Accuracy Requirements. 
The accounts in question : XXXX XXXX Acct : XXXX | High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting These accounts are reporting late payments that are factually incorrect, and the furnisher has failed to provide any proof or documentation verifying these alleged delinquencies. I never missed or failed to make any payments, and therefore these negative marks are causing significant harm to my creditworthiness.

I am requesting the CFPB to : 1. Investigate the furnishers inaccurate reporting 2. Require the furnisher to provide complete payment history documentation 3. Correct all late payment inaccuracies immediately 4. Ensure compliance with FCRA accuracy and reinvestigation requirements Thank you for your assistance. I am requesting a prompt resolution as these errors are causing ongoing financial damage.

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 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Hi, Ive been making late payments in the amount of {$28.00} with every payment total amount is {$1100.00} which covers monthly payment & late fee {$1000.00}, Ive been calling since XX/XX/year>, since the mortgage companies changed hands from movement mortgage to XXXX by Carrington seems its a ongoing issues, I keep paying in full & keep receiving letters that I still owe these late fees, for months now I call every month & told in XXXX weeks itll be updated, next month etc. I asked for Supervisor Named XXXX XXXX he told me hed be my point of contact & said I had enough $ to cover all fees but their billing Dept hasnt moved it yet he told me hed get it taken care of by end of the week which this was in XX/XX/year>, he never did nor did he contact me back in any way, I called back again then was told my acoiunt had to be current before they apply months of late fees which their still billing me as if Im not paying them at all!, I have until the XXXX of every month before a fee is assessed then I was told weeks in XXXX when I called again they will apply all the late fees Ive been paying for months XX/XX/XXXX I thought to myself thats a Holiday theyll be close for XXXX days now I have online statement & paper statement saying I still owe these payments & it says I only paid {$930.00}, which I paid {$1100.00} once again their billing is incorrect I have all my proof of payments, when I call they all said Ive paid correct amount then the promises of help or call back is non existent, its been XXXX mos, please I need help with this issue, thank you, the fees are up to {$240.00}, which are all paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-02 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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