vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was repossessed by Lincoln Automotive Financial Services. I am the primary buyer ; XXXX XXXX is the co-buyer. 

Since XX/XX/XXXX, I have submitted multiple certified letters requesting a complete and detailed final account summary, including : 1. Final loan balance as of repossession 2. Itemized breakdown of all fees and charges ( towing, storage, reconditioning, attorney fees, late fees, and other post-default charges ) 3. Sale proceeds, including date, method, and buyer information 4. Calculation of deficiency balance ( {$9400.00} ) and application of proceeds XXXX. XXXX insurance application and any credits applied XXXX. All notices and records required under Texas UCC 9.611B and 9.616 7. Clarification regarding the 1099-C issued for the debt On XX/XX/XXXX, I sent another certified letter with return receipt specifically requesting all remaining documentation. Lincoln received this letter on XX/XX/XXXX. As of today, XX/XX/XXXX, no substantive response has been received. 

Lincolns prior responses have been incomplete and noncompliant. The documents provided including the statement of sale, notice of plan to sell property, notice of default, current account status, and original contract fail to account for all fees, provide a full deficiency calculation, or show proper application of XXXX insurance. Repeated follow-ups with verified identification and account information have been ignored or dismissed. 

The account remains reported to credit bureaus, but Lincoln has not provided the full documentation required under the UCC, FCRA, and applicable state and federal consumer protection laws. I am seeking full accounting, verification of fees and deficiency balance, and confirmation of proper reporting and credit bureau compliance. Failure to provide this documentation prevents verification of accuracy and leaves me subject to unsubstantiated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is reporting multiple inaccurate and unverifiable negative accountsincluding charge-offs and collectionswithout validating contracts, proof of value given, or lawful assignment in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), UCC 3-303 ( b ), and Mississippi consumer protection laws ( MS Code 75-24-5, 11-7-281 ). I formally demanded deletion, and Experian has failed to provide lawful verification or remove the derogatory data.

i want all non-mailable addresses and inaccurate personal information deleted as well

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
In XXXX, I canceled my gym membership with XXXX XXXX and believed my account was closed and paid in full. Despite this, Aldous & Associates and XXXX XXXX system reported a {$64.00} debt to the credit bureaus. I never received any prior notice, billing statements, or communication from XXXX XXXX or Aldous & Associates regarding an outstanding balance.On or around XX/XX/XXXX, I discovered this collection account on my credit report. I filed a complaint with the Better Business Bureau ( BBB ) about this matter, but Aldous & Associates did not respond. I also sent a written dispute and request for validation to Aldous & Associates asking for proof of the debt, payment history, membership agreement, and cancellation records. 

As of now, the company has not provided any documentation to validate the debt but continues to report it to the credit bureaus. This has negatively impacted my credit rating, and I believe the collection is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX South XXXX XXXX, XXXX XXXX XXXX, CT XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX Regional XXXX XXXX ( Acct # XXXX ) To Whom It May Concern, I am disputing the accuracy of the reporting for the above account. The tradeline shows : - Original balance : {$39000.00} - Current balance : {$12000.00} - Status : Charged off / Voluntary Surrender This reporting contains inconsistencies. A voluntary surrender should not continue to show as actively past due at the same time as a charge-off. Additionally, the deficiency balance is not properly documented or explained. 

Under FCRA 623 ( b ), please investigate this account and provide documentation supporting both the balance and the status. If Experian and the furnisher can not verify this account with proper records, I request that the tradeline be corrected or removed. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was previously offered entry into the American Express Optima program through their collections agent, XXXX XXXX. On XX/XX/year>, I paid my balance in full {$1500.00} in good faith, expecting to be provided with a path back into Amex membership. 

Instead, on XX/XX/year>, XXXX sent me an Optima application that was already expired. When I attempted to resolve this, American Express refused to accept it, and neither Amex nor XXXX provided me with a valid replacement application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX XXXXXXXX confirmed would be removed but remains on my report ; It is identity theft related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-25 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i in fact paid on time, The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) Im now requesting you investigate the account and update these payments to paid on time immediately. Thank you for your understanding and promptness.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year>2025 Credence Resource Mana XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Re : Request for Validation of Debt To Whom It May Concern, I am writing to request validation of the debt referenced in your communication dated XX/XX/scrub> 2025, regarding an alleged account under my name. 
Please be advised that I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I ask that you provide me with the following information : 1. The amount of the alleged debt, including a detailed breakdown if applicable.

2. The name of the original creditor and any account numbers associated with the debt.

3. A copy of the original contract or agreement under which the debt arose, or any documentation proving my liability.

4. An itemized statement of the account showing all charges, payments, and interest accrued, if applicable.

5. Verification that you are authorized to collect this debt in my state, including your collection license number and the issuing agency.

6. Proof that the debt is within the statute of limitations for collection in my state ( if applicable ).

Under the FDCPA, until you provide the requested validation, you are prohibited from continuing to attempt to collect the debt or report it to credit bureaus.

Additionally, please refrain from contacting me by phone. I request that all communications be made in writing to the address listed above.

Please provide this documentation within 30 days from the date of this letter. If you are unable to verify this debt, you are required by law to cease all collection activities, including any reports to credit bureaus.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint narrative:
My information was used to create credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had paid off 2 credit card accounts with Capital One 1 with XXXX XXXX and XXXX with XXXX XXXX they are still showing them on my credit report when they should have been removed several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX and XXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law.

Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-25 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: CA

Complaint narrative:
Complaint Letter Subject : Complaint Against Experian for FCRA Violations To Whom It May Concern, I am filing this complaint against Experian for failing to correct inaccurate information in my credit file despite multiple disputes. 

I provided official documentation from XXXX XXXX confirming that my account was paid on time and fully satisfied, and no debt was owed. Nevertheless, Experian continues to report inaccurate and misleading information, including a charge-off status / collection transfer, which damages my creditworthiness. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611, which require the bureau to ensure maximum possible accuracy and to properly investigate disputes.

I respectfully request that the CFPB require Experian to 1. Conduct a proper reinvestigation in compliance with FCRA.

2. Remove all inaccurate and unverifiable information from my credit file.

3. Provide me with an updated credit report reflecting the corrections. 

I am attaching copies of my XXXX XXXX statement and prior dispute letters as supporting evidence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX Email : 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: PA

Complaint narrative:
While I understand that the late payments did occur, I respectfully request a goodwill adjustment for their removal. Since the account is closed and paid, I believe continuing to report negative history on it does not reflect the current reality of my financial standing. I have taken responsibility for past challenges and have worked diligently to keep all other accounts current since that time.

At present, these late payments are significantly impacting my credit score and preventing me from moving forward with the purchase of a home. As a valued former customer, I kindly ask that AVA extend a goodwill courtesy by requesting deletion of the late payment history from my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that XXXX XXXX XXXX is continuing to report a charge-off account with a balance of {$380.00}, originally opened on XX/XX/XXXX. The account was charged off in XX/XX/XXXX, yet it is still being reported as past due with an outstanding balance. 

This reporting is inaccurate and misleading. A charge-off is an accounting action, not an indication that the balance is still legally collectible. If XXXX XXXX XXXX has issued or should have issued a Form 1099-C ( Cancellation of Debt ) for this account, then continuing to report a balance is a violation of the Fair Credit Reporting Act ( FCRA ) because the information is no longer accurate. 

I dispute the validity of this reporting and request that XXXX XXXX XXXX and the credit bureaus either provide full validationincluding proof that the debt remains legally owed and collectibleor immediately update the tradeline to reflect a {$0.00} balance. If they can not validate, the account must be removed entirely 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that XXXX XXXX XXXX is continuing to report a charge-off account with a balance of {$380.00}, originally opened on XX/XX/XXXX. The account was charged off in XX/XX/XXXX, yet it is still being reported as past due with an outstanding balance. 

This reporting is inaccurate and misleading. A charge-off is an accounting action, not an indication that the balance is still legally collectible. If XXXX XXXX XXXX has issued or should have issued a Form 1099-C ( Cancellation of Debt ) for this account, then continuing to report a balance is a violation of the Fair Credit Reporting Act ( FCRA ) because the information is no longer accurate. 

I dispute the validity of this reporting and request that XXXX XXXX XXXX and the credit bureaus either provide full validationincluding proof that the debt remains legally owed and collectibleor immediately update the tradeline to reflect a {$0.00} balance. If they can not validate, the account must be removed entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Details : I am filing this complaint regarding Equifax, Experian, and XXXX  for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

1. Unverifiable debts remain on my report.

Credit bureaus continue to report negative items that have not been validated under federal law ( 15 U.S.C. 1681i, 1681e ( b ) ) and that were already satisfied.

2. Positive credit history has been improperly removed.

Accounts such as vehicle purchases and other fully paid obligations have been deleted, falsely lowering my credit score.

This constitutes credit defamation and violates 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

3. Unauthorized disclosure of personal information.

My Social Security number and personal information have been shared or sold without consent, in violation of 15 U.S.C. 1681b.

4. Violation of Secured Party Rights.

I am the Secured Party Creditor with a publicly filed UCC-1 Financing Statement securing my ALL CAPS legal name. 

I have designated the XXXX XXXX XXXX XXXXXXXX XXXX as my fiduciary. Any failure to recognize my authority or to validate through my fiduciary constitutes a breach of UCC security and federal law. 

* Responses from Equifax, Experian, and XXXX  to prior CFPB complaints ( Claim Numbers are included in attachment documents ) to demonstrate ongoing inaccurate reporting, removal of positive accounts, and failure to validate debt as required under federal law. 

* XXXX XXXX is a third party included for proof. ( reference numbers included in attachment )

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 2025-08-25 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: GA

Complaint narrative:
Complaint Details : I am filing this complaint regarding Equifax, Experian, and XXXX  for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

1. Unverifiable debts remain on my report.

Credit bureaus continue to report negative items that have not been validated under federal law ( 15 U.S.C. 1681i, 1681e ( b ) ) and that were already satisfied.

2. Positive credit history has been improperly removed.

Accounts such as vehicle purchases and other fully paid obligations have been deleted, falsely lowering my credit score.

This constitutes credit defamation and violates 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

3. Unauthorized disclosure of personal information.

My Social Security number and personal information have been shared or sold without consent, in violation of 15 U.S.C. 1681b.

4. Violation of Secured Party Rights.

I am the Secured Party Creditor with a publicly filed UCC-1 Financing Statement securing my ALL CAPS legal name. 

I have designated the XXXX XXXX XXXX XXXXXXXX XXXX as my fiduciary. Any failure to recognize my authority or to validate through my fiduciary constitutes a breach of UCC security and federal law. 

* Responses from Equifax, Experian, and XXXX  to prior CFPB complaints ( Claim Numbers are included in attachment documents ) to demonstrate ongoing inaccurate reporting, removal of positive accounts, and failure to validate debt as required under federal law. 

* XXXX XXXX is a third party included for proof. ( reference numbers included in attachment )

Company response to consumer: Closed with non-monetary relief