vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I discovered that my financial aid information had been accessed without my authorization. I believe this breach involved an unauthorized third party violating FERPA. As a result, my federal student loan recordscurrently showing a balance of approximately XXXX XXXXXXXXcontain inaccurate information. On XXXX XXXX. I contacted my lender/servicer to dispute these discrepancies and request a thorough review of the account, but no satisfactory resolution has been provided. I request that this issue be investigated further, and corrective action be taken to address the errors resulting from the unauthorized data access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-15 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: AZ

Complaint narrative:
I am disputing an account listed on my credit reports under the name XXXX XXXX. The account was closed and charged off, but it is still showing a balance owed, which I believe is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

In addition, the reported balance is different on Experian and Equifax, which further indicates that the information being furnished is inconsistent and possibly incorrect. If the account was charged off and sold or transferred, it should reflect a {$0.00} balance or clearly indicate the current status and ownership of the debt.

Under FCRA 1681s-2, data furnishers are required to report accurate and consistent information to credit reporting agencies. FCRA 1681i also requires credit bureaus to investigate and correct any inaccurate or unverifiable information in a consumers credit file. 

I am requesting that this account be investigated thoroughly and corrected or removed if the information can not be verified. I also request a written explanation of the findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$1400.00}

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
This company purchased I debt Im assuming I have never heard of this company no letter no validation no phone this debt was purchased by them in XXXX and without reaching out to me decided to place it on my credit.

To Whom It May Concern : This letter serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding the alleged debt you are attempting to collect. I hereby request that you cease all forms of communication with me in relation to this matter, including by phone, mail, or any other means.

In addition, I formally request the immediate deletion of the collection account associated with the alleged debt from all consumer credit reporting agencies. You are required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., to report only accurate and verifiable information. If you can not provide documented evidence of the validity of this debtincluding the original creditor, account number, and detailed payment historyI demand that you remove the collection account from all credit bureaus to which it has been reported.

If this account is being reported in error, is unverifiable, or has exceeded the reporting time limit under the FCRA ( typically 7 years from the date of first delinquency ), you must take immediate corrective action.

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal remedies under federal and state law.

Please confirm in writing within 30 days that all collection efforts have ceased and that the account has been removed from all consumer reporting agencies.

Sincerely, 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 2025-04-15 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I was supposed to recieve XXXX XXXX XXXX XXXX XXXX and financed through Fortiva. After two weeks of XXXX XXXXXXXX contact me with a letter stating they were not cleared to treat me as they are now not cleared to treat certain XXXX XXXX and i would need to be cleared to be treated by a XXXX  My XXXX  did not clear me for treatment so they stated they would be giving Fortiva a full refund however Fortiva Charged off my account to collection agency although this account is being disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MS

Complaint narrative:
On XX/XX/year>, I discovered that my financial aid information has been accessed without my authorization. I believe this breach involved unauthorized third party linked to an unauthorized third party, which resulted in a violation of FERPA. As a result, my federal loan records -- -currently showing a balance of approximately {$17000.00} -- -contain inaccurate information. On XX/XX/year> I contacted my lender/servicer to dispute these discrepancies and request a thorough review of the account, but no satisfactory resolution has been provided. I request that this issue be investigated further, and corrective action be taken to address the errors resulting from the unauthorized data access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This letter serves as a formal follow-up to CFPB Complaint Case # : XXXX, originally filed against LVNV Funding LLC and its servicer , Resurgent Capital Services. I am submitting this response to state that the documentation provided by the respondent does not meet the legal standards required under federal consumer protection laws to verify or validate the alleged debt.

1. Inadequate Validation of Debt FDCPA Violation Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a consumer has the right to request proper validation of a debt. The response provided only billing statements, which do not prove liability. It failed to include : A copy of the original signed contract bearing my signature Proof of a complete chain of title/assignment from XXXX XXXX XXXX to LVNV Funding LLC A complete and detailed itemized breakdown of the debt, including all fees and charges As reinforced in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a debt collector must provide more than billing statements. They must prove ownership and the right to collect. 

XXXX. Inaccurate Credit Reporting FCRA Violations Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires that all information furnished be accurate and complete 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that furnishers conduct a reasonable reinvestigation if a consumer disputes an account LVNV Funding and Resurgent failed to provide sufficient evidence that they conducted a reinvestigation or verified the debt. Reporting a tradeline as disputed without validating it or correcting any inaccuracies violates the FCRA.

3. Lawsuit Against LVNV Funding LLC for Similar Misconduct This is not an isolated issue. LVNV Funding LLC has been sued in federal court for similar violations. 

Case Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) In this case, the court ruled that XXXX violated the FDCPA by pursuing debt collection without adequate evidence and attempting to validate a debt without the original contract or sufficient documentation. The court criticized LVNV for engaging in false, deceptive, and misleading representations in connection with the collection of a debt.

This mirrors the current situation : no proof of debt ownership, no valid agreement, and improper credit reportingplacing the burden of proof unfairly on the consumer. 



XXXX. XXXX XXXX and Furnisher Rule Violations LVNV is also failing to comply with 12 CFR 1022.42 ( Furnisher Rule ) and XXXX XXXX data standards, which require furnishers to : Report only verified, accurate, and complete data Update or delete information if it can not be verified Reporting this account as disputed without resolving the issue or verifying the data is deceptive, misleading, and noncompliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX I fled XXXX XXXXXXXX. My XXXX was living in the home with me Can I terminate my lease without penalty? 
If you or someone in your home is a victim of family violence as defined by the Texas Family Code 71.004, you may be eligible to terminate your lease without penalty.

Where can I find the law that governs this right?

Texas Property Code 92.016 gives victims of family violence the right to vacate and avoid liability. This means a victim of family violence may break their residential lease without penalty and in some cases without notice. 

Will I be charged any fees or penalties? 
No. A victim would not be responsible for future rent or fees related to breaking the lease. There is special language that must be in the lease before the landlord can collect any unpaid rent or other money that was already owed before the lease was terminated. The lease must say, Tenants may have special statutory rights to terminate the lease early in certain situations involving family violence or a military deployment or transfer. However, If the lease does not have this language in it, then the victim is not liable for unpaid rent that was due at the time the victim terminated their lease. 

What if the victim lives with me, are we eligible? 
The victim must be living in your home with the landlords consent in order to be protected under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXXXXXX regarding Loan, a home equity loan that was fully paid off on XX/XX/year>. 

Despite the loan being satisfied in full and XXXX having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information. 

I have contacted XXXX multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though XXXX is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report.

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require XXXX to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, Equifax, and XXXX. 

Thank you for your assistance and time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXXXXXX regarding Loan, a home equity loan that was fully paid off on XX/XX/2025. 

Despite the loan being satisfied in full and XXXX having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information.

I have contacted XXXX multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though XXXX is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report.

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require XXXX to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, XXXX, and TransUnion. 

Thank you for your assistance and time. 

Sincerely, 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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent them a certified letter to capital one asking them do they have a signature to make me pay the outstanding balance they said no I told them by law they have to remove everything from the credit bureaus if they dont have a verified signature and send proof theres no question that its my question its my account that is not what I am disputed I know its my account I want them to remove charges from my account they failed by not showing me proof of signature which charges was made since they failed by state federal laws fair credit act that capital one is in violation of every thing and fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have been informed of retroactive forbearance however although they have retroactively paid the loan they are unwilling to remove late payments. I was not notified my account was out of forbearance

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App closed my account without reasoning. 
Took money from me and didnt dispute items that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and collections on my profile. Those inquiries and collections consist of the following Inquiry : Inquiry { XXXX XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX }, XXXX XXXX XXXX XXXXXXXX other than personal XX/XX/XXXX TransUnion, XXXX Department And Variety Stores - non specific XX/XX/XXXX Experian, XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian. Collections : { XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), { XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) }, { XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) }.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and collections on my profile. Those inquiries and collections consist of the following Inquiry : Inquiry { XXXX XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX }, XXXX XXXX XXXX XXXXXXXX other than personal XX/XX/XXXX TransUnion, XXXX Department And Variety Stores - non specific XX/XX/XXXX Experian, XXXX XXXX Automobile Dealers, Used XX/XX/XXXX Experian. Collections : { XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), { XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) }, { XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief