vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC in the amount of {$710.00}, last reported on XX/XX/year>. This account was sold or transferred to a third-party debt collector without my consent or authorization. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no company is allowed to furnish or sell a consumers personal or credit information to another entity without a permissible purpose or explicit consent. I never gave permission for any company to sell, share, or transfer my private account information to LVNV Funding LLC or any related third party. 



Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide proper validation of a debt upon request including proof of ownership and the original signed agreement showing that I am legally responsible for the debt. I have not received any such documentation from LVNV Funding LLC or the original creditor.

Because my personal information was shared and reported without my authorization, and because the debt has not been properly validated, the reporting of this account is unlawful, inaccurate, and violates my consumer privacy rights. Continued reporting of this unverified account constitutes a violation of the FCRAs accuracy provisions ( 15 U.S.C. 1681s-2 ) and improper data sharing under 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Its not a true reflection of my financial ideals.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
XXXXXXXX XXXX Account # : XXXX ( XXXX  ) Issue : Account status not updated after dispute. 
Violation ( s ) : FCRA 1681i

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am disputing the following items on my Experian credit report. These items are inaccurately reported, and I request that they be corrected or removed. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/DOFED Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/DOFED Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-13 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: NY

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts are inaccurately reported, and I request that they be investigated and corrected. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-13 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: FL

Complaint narrative:
I am writing a complaint regarding a charge-off reported by XXXX  on my credit report. The information is inaccurate because the account does not belong to me.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure accuracy and investigate disputes within 30 days. I have disputed this with the credit bureau ( s ) and the furnisher, but the error remains.

This inaccurate reporting has negatively impacted my credit score and ability to obtain credit.

they have 2 accounts and they seem to be incorrect and completely misinterpreting my credit health.

This is a huge inconvenience and i need help resolving this please

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 2025-11-13 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: FL

Complaint narrative:
I am writing a complaint regarding a charge-off reported by XXXX  on my credit report. The information is inaccurate because the account does not belong to me.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure accuracy and investigate disputes within 30 days. I have disputed this with the credit bureau ( s ) and the furnisher, but the error remains.

This inaccurate reporting has negatively impacted my credit score and ability to obtain credit.

they have 2 accounts and they seem to be incorrect and completely misinterpreting my credit health. 

This is a huge inconvenience and i need help resolving this please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this formal complaint against Citibank , N.A . for unlawful and inaccurate credit reporting, in violation of federal and Florida law. 

Citibank reported a 30 days late payment for XXXXXXXX XXXX  to XXXX, XXXX XXXX XXXX However, I never received a billing statement or any notice of a residual balance of {$120.00} that would have allowed me to make payment on time. Citibank has confirmed in its letter dated XX/XX/2025 ( CFPB Case # XXXX ) that it can not account for the delivery of the billing statement. 

Under federal law, a creditor can not treat a payment as late without prior notification to the consumer of the due date and amount owed. Citibanks failure to provide such notice and its continued reporting of the account as late constitutes an unlawful furnishing of incomplete and misleading information. 

As a result, my credit score dropped from approximately XXXX to XXXX, causing significant harm to my creditworthiness and financial opportunities. 

Laws Violated Truth in Lending Act ( 15 U.S.C. 1666b ) A creditor may not treat a payment as late unless it is received after XXXX XXXX. on the date clearly disclosed in the billing statement. Because Citibank failed to provide any statement or clear notice, no payment can legally be considered late under this statute. 

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Citibank failed to conduct a reasonable investigation after my dispute was filed through the CFPB and credit bureaus. Simply re-stating its records, without providing documentary evidence of billing or notice, does not satisfy its statutory obligation.

Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Credit bureaus must delete unverifiable or incomplete information. Citibanks admission that it can not verify statement delivery renders the late payment unverifiable and unlawful to report. 

Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ( 9 ) ) Prohibits asserting or communicating a debt under conditions that are not legitimate or properly disclosed. Reporting a late payment without prior notice constitutes a false representation of the debts legal status. 
Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ( 1 ) ) It is deceptive and unfair to omit critical information ( such as a billing statement ) and then damage a consumers credit for failing to pay an undisclosed balance.

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 2025-11-13 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 am resending this complaint and request for the reinvestigation to EQUIFAX and also to as proof of my identity as per request from EQUIFAX, I have included my IDs in this letter for your reference. 

I have included in the letters all the items I request to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom Mortgage XXXX XXXX XXXX XXXX, In XXXX Head of the Escrow Department : Loan XXXX On XXXX I called and spent many hours of my time on the phone reporting a major problem with my Escrow account. Here it is as follows. XXXX ID number XXXX and XXXX ID number XXXX and XXXX ID number XXXX. In XX/XX/2025 check number XXXX for XXXX I called and asked why I received this check. I was told that we overpaid and legally they had to return this money back to us. I questioned this several times and they insisted we overpaid. So I did not think much about it since you all are experts. They then adjusted my escrow also on my payments. On XXXX I got a tax bill in the mail and questioned the solid waste amount which had me start looking into the whole bill since this is my first full year in the home. Well, a non-expert like me almost fell over to find out I only had XXXX in escrow. I immediately tried to figure out what happened. So when whoever looked at our escrow did not look closely or was not properly trained that the bill they paid was only for 3 months, not sure why they would even think a XXXX house would only have XXXX in taxes. Now I am short on my tax bill from a error your Mortgage company made. I am not saying I owe the taxes but what I am saying I wanted compensated for this whole mess that I hired you all to do. 
Well now today I got a letter from Freedom Mortgage saying they sold my loan how covenant. A customer like me recognized an error and XXXX you sell the loan to cover up an error you made. Well I am not going to stand down on this. Required by law you must give a full written explanation of what happened. You must correct the error and let me know how it will be corrected and not by selling the loan you still need to fix this. It was in your hands when this happened.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
On XXXX XXXX XXXX, after a high-pressure door-to-door sales pitch by a sales rep for installer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX system through GoodLeap. The " price '' was {$44000.00} at 3.99 % for 25 years ( 18 months interest-only payments of $ XXXX, then increasing to $ XXXX unless I prepaid 30 % using a " tax rebate '' that didn't exist ). I was given no choice of lender, but rather was steered by the sales rep initially into a loan with Dividend Finance. The financing was switched then switched to GoodLeap without my meaningful choice. 

Finance-related issues with GoodLeap : Hidden/embedded dealer fee & pricing opacity -- The loan amount included a large dealer/merchant fee that was not itemized in dollars or %, and I was not shown a cash vs. financed comparison. This obscured the true cost of credit and inflated the principal I had to borrow. The contracts said that all of the money that I borrowed went to the installer, but that was not the case. 

Misleading representations about incentives and payment structure -- I was told incentives would cover most of the cost and I could use them to make a payment to reduce my balance early to keep the payments low, but that did not happen. In reality, the federal tax credit is not a cash rebate and it was not available to me to lower the loan principal as I was told, making the step-up payments unaffordable. 

Transferability & UCC-1 not clearly disclosed -- I was told the loan could be easily assumed by a homebuyer, but GoodLeap controlled approval and filed a UCC-1 lien . When I wanted to sell that home, the lien and assumption control forced me to use ~ {$40000.00} of equity to pay off the loan at closing. I did not receive clear, separate disclosures explaining these consequences. 

Creditor switch without meaningful consent -- I agreed expecting Dividend Finance ; the loan was switched to GoodLeap without giving me a real opportunity to really review either loan alternative or find financing on my own. 

Holder Rule responsibility -- Under the FTC Holder Rule, GoodLeap as lender/assignee is responsible for claims and defenses arising from the sellers misrepresentations that were used to originate this credit. 

Harm : I incurred higher-than-represented costs, lost approximately {$40000.00} in home equity to close the sale due to the lien/assumption control, and did not receive the transparent pricing/disclosures needed to make an informed financing decision. The loan included hidden fees that were never properly disclosed and I was improperly charged interest on amounts that were never disbursed to the installer as was represented to me.

Company response to consumer: Closed with explanation