vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
It has come to my attention Mr. Cooper Mortgage has marked my credit with a late payment drastically decreasing my credit score. A drop that has cost me roughly XXXX points and prohibits me from getting any additional credit. I am asking that they release this late payment as there was no late payment that should have been assessed as I closed the new mortgage on XX/XX/XXXX with XXXX XXXX  XXXX A check was sent to them from the broker/titling company on XX/XX/XXXX. Mr Cooper claims it was not received until after XX/XX/XXXX. It is my understanding that they are to back date the check from the time it was released by the titling company and that did not happen. I am requesting they are to drop this late payment off my report as an act of good will or forgiveness as I was a loyal customer who never missed a payment in the XXXX years I held a mortgage with them. I always paid early and never had any ill marks on my account until I was hit with a national declared disaster in XX/XX/XXXX, XXXX, Of which a representative told me during the deferral period I would not be responsible for the money until the deferral period was over and the money owed would be assessed at the end of the loan. During the end of the deferral I was informed that was not the case and I would have to apply for it and be approved. Which was not explained to me when I signed up for the deferral. Had I known what I know now, I would not have signed the deferral. Again, I have asked them several times with goodwill letters to drop the late payment. I am afraid if this is not done in a timely manner I will have to seek legal aid and counsel and pursue damages to have this removed. Please respond with in XXXX hours. If I do not receive a follow up message regarding this matter I have contacted Mr Cooper XXXX and filed a formal complaint regarding this matter and it never got removed or handled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems is reporting an account from XXXX XXXX XXXX XXXX under my Consumer ID. This account does not belong to me. I previously filed a complaint regarding this inaccurate reporting. ChexSystems responded with a generic explanation stating they only report what is furnished to them, but they failed to provide any documentation or proof from XXXX verifying the validity of this account. 

Despite acknowledging that identifiers provided by the furnisher do not completely match my information, ChexSystems has continued to report the account. This constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ), as they are required to ensure maximum possible accuracy before reporting any account. 

I am demanding that ChexSystems either ( XXXX ) delete this inaccurate account from my file immediately, or ( XXXX ) pay statutory damages of {$1000.00} for failure to comply with federal law. 

See attached : original complaint letter and follow-up demand letter.

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 2025-09-07 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: AL

Complaint narrative:
XX/XX/year> Experian XXXX XXXX  XXXX and Any Other Credit Reporting Agency Re : Formal Dispute of Unlawful and Fraudulent Reporting Practices To Whom It XXXX Concern, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. Email : XXXX. 
I am writing to formally dispute the continued practice of allowing companies to report inaccurate, unlawful, and fraudulent late payments and over-the-limit transactions on my consumer credit files. 
This constitutes a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
XXXXXXXX XXXX XXXX and other applicable federal consumer protection laws. 
Specifically : - * * 15 U.S.C. 1681e ( b ) * * requires consumer reporting agencies to assure maximum possible accuracy of the information they report. Permitting companies to knowingly and willfully furnish inaccurate or misleading data regarding my payment history and credit limits is a direct violation of this mandate. - * * 15 U.S.C. 1681i ( a ) * * requires you to conduct a proper and timely reinvestigation when a consumer disputes the completeness or accuracy of information. I am advising you that I dispute * all * such late payment and over-limit notations, and I will not be listing accounts one by one. It is your legal obligation to investigate thoroughly and remove inaccurate items. - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. The continued reporting of such information is fraudulent and unlawful.

Your failure to comply with these statutory obligations constitutes a violation of my * * civil rights and consumer rights * *, and subjects your agencies to liability under * * 15 U.S.C. 1681n and 1681o * *, which provide for actual damages, statutory damages, punitive damages, and attorneys fees. 
I demand that you immediately delete all fraudulent, inaccurate, and unlawful late payment and over-limit entries from my credit files. You have * * XXXX XXXX from receipt of this letter * * to bring your reporting practices into full compliance with the law. If you fail to do so, I will pursue all available remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation for damages. 
I strongly urge you to fulfill your legal duty by conducting a complete and lawful reinvestigation. I expect written confirmation of full compliance within the timeframe stated. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2025-09-07 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: AL

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced auto loan account that is appearing on my credit report. Please note that I am not disputing the account at this time. Instead, I am requesting written confirmation of specific account reporting details for my records.

Specifically, I request that you provide the following information : The Date of First Delinquency ( DOFD ) on this account.

The Date of Last Payment received and applied to the account.

The official Date of Charge-Off reported to the credit bureaus.

This request is being made so that I may have a clear and accurate record of the account history. Please provide this information in writing at your earliest convenience.

Thank you for your attention to this matter. I appreciate your cooperation.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables Management is reporting two separate alleged debts on my credit reports : A XXXX  account for {$1200.00} A XXXX XXXX XXXXXXXX account for {$7100.00} I formally disputed both accounts and demanded validation. Source Receivables has failed to provide any legally required proof for either. They have not produced any signed contracts, agreements, leases, or billing statements. Instead, they rely on generic balance summaries that prove nothing and do not constitute legal validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite failing to validate, Source Receivables continues to report both accounts to the credit bureaus and has not properly marked them as disputed. This is a direct violation of the FDCPA and Fair Credit Reporting Act ( FCRA ). Their unlawful reporting of these unvalidated debts is materially damaging my credit and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am writing to formally request the blocking of fraudulent information appearing on my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the following accounts do not belong to me and must be permanently blocked and removed : XXXX XXXX XXXX XXXXXXXX As required under the law, I am providing the following supporting documentation with this letter : 1. FTC Identity Theft Report ( as permitted under federal law, this satisfies the requirementno police report is required ). 2. Copy of my government-issued identification. 3. Copy of my Social Security card. 4. Proof of my current address ( utility bill, bank statement, or similar document ). Under 15 U.S.C. 1681c-2 ( a ), you are obligated to block and delete all information resulting from identity theft within XXXX business days of receipt of this request and the accompanying documentation. Please send me written confirmation once these fraudulent accounts have been blocked from my credit file. I further demand that you notify the furnishers of this fraudulent information that the accounts have been removed, as required by law. Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act, and I will not hesitate to exercise my rights under federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC compliant reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint and a validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Failure to assist in recovery of funds sent to XXXX crypto wallet on an unsupported network. 

To Whom It XXXX Concern : I am filing this complaint to seek assistance in recovering approximately {$900.00} worth of Ethereum ( ETH ) that is currently inaccessible in my Venmo cryptocurrency wallet. Venmo has refused to assist, claiming the funds are " permanently lost, '' even though the funds are verifiably in a wallet they control. 

Summary of Events : The Transaction : On or around XXXX I initiated a transfer of XXXX ETH ] to my Venmo cryptocurrency wallet address. 

The Error : I mistakenly sent the transaction on the XXXX network instead of the XXXX XXXX, which is the network Venmo officially supports. The transaction was successful, and the funds arrived in the destination wallet. 

Venmo Wallet Address : XXXX Transaction Hash : XXXX The Issue : The XXXX network is an EVM ( Ethereum Virtual Machine ) compatible sidechain. This means that the wallet address and, most importantly, the private key used to control the funds are identical on both the XXXX XXXX and the XXXX network. Venmo holds the private key to my designated cryptocurrency wallet. Therefore, they have the technical capability to access these funds by simply configuring their wallet software to view the XXXX network and send the funds back to me. The funds are not " lost '' or destroyed ; they are secured in a wallet to which Venmo holds the key. 

Contact with Venmo XXXX : I contacted Venmo customer support on XX/XX/year> to explain the situation and request their assistance. Their response was that since the transaction occurred on an unsupported network, the funds are considered permanently lost per their terms of service, and they are unable to provide any help. 

Argument for XXXX : Venmo 's position that the funds are " permanently lost '' is factually incorrect. The funds are verifiably secure and accessible to anyone with the corresponding private key, which is Venmo. While I acknowledge my error in using the wrong network, I believe Venmo has an implicit duty of good faith and fair dealing with its customers. Refusing to take a simple, low-risk technical step to recover a customer 's assets, which are under their exclusive control, is a breach of that duty and constitutes unreasonable customer service for a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
Information was illegally added to my credit report XXXX Trans Union 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 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Lincoln Educational Services Corporation

Complaint narrative:
l have been at XXXX XXXX in XXXX NJ From XX/XX/XXXX - XX/XX/XXXX to Learn XXXX. The thing is when l filled out the XXXX form, l made XXXX erros.However, many days passed whe l realize that l made the mistakes but a XXXX agent help me to correct the mistakes in order to qualify for XXXX XXXX and the same agent suggests me to go back to the XXXX to finalyze the case unfortunately, my XXXX XXXX XXXX refuses to help XXXX tell the truth, lt is really hard for me to pay {$17000.00} plus XXXX others loans. 
How can you help me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file concerning a collection account. The account details are as follows : Creditor Name : Jefferson Capital Systems ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/year> Balance Reported : {$580.00} This account is being reported in a way that misrepresents both the payment history and the current status. The account is repeatedly updated and shown as past due each month, as if new delinquency is occurring. This practice is inaccurate, misleading, and harmful. 

Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Re-aging or re-reporting this collection monthly misrepresents the history of the account and creates the false appearance of ongoing delinquency. 

Additionally, the statute of limitations for reporting negative accounts is seven years from the date of the initial delinquency ( FCRA 1681c ( a ) ( 4 ) ). Repeatedly reporting this account as a new derogatory event each month disregards that legal limit and constitutes improper reporting. 

Because these legal requirements have not been met, the only fair and appropriate resolution is the complete removal of this collection account from my credit reports. I request that my file be updated accordingly and that I receive written confirmation once these corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
XXXX XXXX  account was charged off XX/XX/year> and has been reporting charged off to date. 

The account is being reported as a charge-off, which is misleading and does not reflect the true, current, and accurate status of the account. 

The continued reporting of this charge-off is causing harm to my creditworthiness and does not comply with the accuracy and fairness standards outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Lending Services LLC
State: KS

Complaint narrative:
I have no idea who these people are, they have been calling none stop since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am writing to express my concern regarding my unresolved claim and unsatisfactory experience with XXXX, which I have been attempting to resolve since XX/XX/XXXX. Despite multiple efforts to communicate and provide the necessary information, the matter remains unresolved, and I have not received a satisfactory outcome. I continue to be responsible for the total amount of {$1900.00} when I was overcharged and received poor costumer service. 

This prolonged delay has caused significant frustration, and I kindly request that this issue with XXXX receives immediate attention for review and resolution. Please confirm the next steps and provide a clear timeline for when I can expect this issue to be addressed. I was assigned XXXX XXXX with whom I exchanged a few emails over the summer. Tried calling all XXXX to find out shes out of the office for an extended period of time. Was then contacted by XXXX while I was at work, and was unreachable. Tried returning the call and it says Im out of the office until XX/XX/XXXX now I tried calling after XX/XX/XXXX unsuccessfully. 

This has been an ongoing stressful issue and I ask again for support as I havent been able to resolve this claim despite enormous attempts. 

Please note that if we are unable to reach a satisfactory outcome soon, I may need to escalate this matter further for review and take a different direction. 

Thank you for your time and assistance.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " CERTIFIED MAIL '' with receipt displaying my signature. If not please delete this account immediately from my credit reports or I will move forward with legal action. Do not try and send me a copy of a contract either. 

I dispute the validity of this account. Please see the attached document to see the requirements to validate this debt. Please produce the flow agreement, transfer assignment, bill of sale, original contract with all parties signatures including the original creditor signature. Please provide proof that I have direct business dealings with you. That I legally entered into a legally binding contract directly with you Credit Corp Solutions Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: SC

Complaint narrative:
Subject : Request for Full Accounting and Details of Reinvestigation Under UCC 9-210 Dear Experian Representative, I am writing to formally request a complete and detailed accounting of the reinvestigation you conducted regarding my credit report, as referenced in your recent correspondence. Pursuant to the provisions of UCC 9-210, I am entitled to receive a full accounting of all transactions, including a detailed explanation of the steps taken during your reinvestigation, all supporting documentation, and any relevant information related to this matter. Pertaining to discover bank & resurgent/lvnv funding Please provide the requested documentation and details of your reinvestigation within 15 days of receipt of this complaint. I expect a prompt and comprehensive response, 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 explanation