vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: V and H Portfolio
State: TX

Complaint narrative:
I am filing this complaint against Vance & Huffman , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

On XX/XX/year>, I received a phone call from Vance & Huffman in which they threatened to sue me over an alleged debt. However, this debt does not belong to them. The account was sold to XXXX XXXX, and I have already entered into a payment arrangement with XXXX XXXX directly. 

Despite this, Vance & Huffman engaged in the following unlawful conduct : Threatened Legal Action Without Authority ( 15 U.S.C. 1692e ( 5 ) ) They threatened to sue me on a debt they do not own and can not legally pursue.

They further threatened legal action without me ever being properly served with any summons or complaint, which is illegal and a violation of my right to due process. 

Misrepresented the Balance ( 15 U.S.C. 1692e ( 2 ) ) The original debt with XXXX XXXXXXXX was {$1100.00}, which was the only amount borrowed. 

Vance & Huffman falsely claimed I owed {$1700.00}, inflating the balance by nearly {$700.00} without justification. 
False or Misleading Representations ( 15 U.S.C. 1692e ) By misrepresenting their legal authority and inflating the balance, they engaged in deceptive practices.

Harassment ( 15 U.S.C. 1692d ) Calling me and threatening court action on an account they do not own and without proper legal process is abusive and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Sorry I didn't never realize XXXX XXXX XXXX XXXX was crooked to this morning reading my credit report I saw that they never payed yall for the car after refinance other car in a trade in. I'm just seeing this morning on my credit report I received in mail i supposed to had traded that vehicle for another that wasn't ever a trade actually they must of call themselves stealing the XXXX In placing in another vehicle that was supposed been returned while they gave someone else a real new vehicle I got ta see how credit companies handle this cause they should of been arrested in jail they ruined my life in my credit now I'm homeless living in XXXX this is XXXX XXXX XXXX XXXX in California fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-22 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent money with Zelle to my fiance but the account was closed. I sent in the information to Zelle and XXXX  XXXX to explain the situation and show the account was closed and the money was not received. I gave them all of the information that was requested and now I cant get any correspondence from them. Basically they took my money and arent willing to rectify the situation. The account the money was sent from is XXXX  XXXX account and the account the money was sent to was also XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i had to credit cards with citi. i closed both around XXXX 2025. they mixed up the payment and payed the other credit, so 1 card was not paid and the other was over paid. in XXXX the kept sending me emails so i responded maybe XXXX calling and spoke with someone and finally was told everything was ok, and accts were closed. XX/XX/year>2025 i recieve a letter saying i have a balance of XXXX {$41.00}. i call and they say over the phone i have a balance ot {$240.00}. because of late fees in XXXX, XXXX, XXXX, XXXX. they end up removing 1 month fee. and i pay {$200.00} over the phone. they they tell me i need to check balance on XXXX XXXX2025 or this can happen again. i shredded both credit cards back in XXXX so i do not have access to these accts online. and they tell me i cant access them online. this is such i scam.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I respectfully contest items on my credit file associated with accounts I did not open. Please review in full and remove them. Relevant exhibits are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Purauant to Complaint # XXXX and Cardin v. NewRez ( 2021 ) This class action lawsuit alleges Shellpoint improperly charged borrowers for property insurance despite knowing they already had valid insurance coverage. These charges pushed loans into default, forcing borrowers to pay erroneous fees. Th suit claims breach of contract, FDCPA violationa, and unjust enrichment.

CFPB : Shellpoint shellpoint consisitently ranks high in monthly complaints to the CFPB. Issues incluede : Misreportting loans as in forbeareance to credit agencies Charging for bankruptcy legal fees when no banruptcy was filed. 
Escrow mismagement, such as increasing payments for taxes despite exemptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with vpnmy federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-22 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:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, XXXX account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company keeps calling, harassing me for a dept that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OH

Complaint narrative:
On XX/XX/year>, I placed an XXXX order through XXXX using my SNAP/EBT card. Four items totaling {$160.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were missing. I immediately reported this and was told a refund would be issued to my EBT card. 

Instead, XXXX first falsely claimed I filed a SNAP dispute ( I did not ), then later stated the missing items were visible in the delivery photo. This is false the photo shows other items I did not order ( bacon, ribs, cookies ), while my missing items are not pictured at all. I have provided XXXX with the receipt and photo multiple times. 

Despite this, XXXX refuses to refund me and has stopped responding. This is mishandling of federally protected SNAP benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I've been trying to get my money from Coinbase for more than a month, to no avail. I verified my identity, tax ID, connected my bank through XXXX FOUR times, and the COIN and bank account names MATCH exactly. I keep getting ridiculous replies like the email below. I called customer service and, despite providing my information three times, the representative said, " We can't locate your account ''. I don't know what kind of chicanery is occurring at Coinbase, but I want my {$10000.00} ( statement attached ). I've requested this transfer funds to my XXXX account FOUR TIMES on the app. 
This has been a very frustrating experience. 
Thank you. 
XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : Coinbase XXXX Date : Fri, XX/XX/year> at XXXX Subject : Your recent transaction on Coinbase can not be processed without updating your bank account information To : XXXX Unfortunately, your recent transactions have been delayed as the name on your bank account " XXXXXXXX XXXX XXXX  XXXX XXXX does not match the name provided on your Coinbase account " XXXX XXXXXXXX XXXX XXXXXXXX XXXX . 
This can occur if you have changed your name recently, or if your name is in a different format in Coinbase. If your name in Coinbase is incorrect, please verify your identity and change your name so that it matches your bank account. 
If there is a legitimate reason for the account names not matching and you are unable to change either one, please contact our support team. 
If you do not take action by " XXXX '', these transactions will be canceled. 

Terms of Service Coinbase XXXX  | Coinbase IncXXXX XXXX XXXX XXXX # XXXX | XXXX CA XXXX | US Coinbase is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My credit score went down over XXXX point due to miscommunication on one Student Loan ( DEPT OF EDUCATION/NELNET ) coming out of deferment. I was not aware it was no longer in deferment and I will take accountability for that. However, my issue is that one loan turned was separated into over XXXX different student loans which gave me XXXX separate XXXX  day late penalties on my credit. I have splendid credit history and have been in the high XXXX 's for the last XXXX  years and this one mishap has completely destroyed my credit. I filed a dispute once before and XXXX or XXXX accounts were removed but my credit is still ruined because of the other accounts. This should count as XXXX late payment instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXXXXXX 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
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Date : XX/XX/XXXX LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Re : Cease & Desist Demand for Validation of Alleged Debt Account : # XXXX Alleged Balance : {$320.00} Original Creditor : [ Must Be Identified in Validation ] To Whom It May Concern, This letter is a formal dispute of the above-referenced account. After reviewing my credit reports, I have found this account to be inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Violations & Inaccuracies No Proper Validation Provided I have not received the original signed contract with the original creditor establishing liability for the alleged {$320.00}. A statement or bill does not constitute proper validation. 
No Security Agreement I demand production of the security agreement or contract between LVNV Funding LLC and the original creditor, granting you legal authority to collect and report this account.

Missing Chain of Title You must provide the complete chain of assignment/ownership from the original creditor to LVNV Funding LLC . Without this, you have no standing to report or collect.

Reporting Without Verification Continuing to report without proper validation constitutes furnishing inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ).

Willful Noncompliance Your continued collection and reporting without
meeting federal requirements will be considered willful noncompliance, subject to damages under FCRA 616/617 and FDCPA 813.

My Demand Unless you can produce : The original signed contract from the original creditor, The security agreement/contract between you and the original creditor, A complete itemized accounting of how the alleged {$320.00} balance was calculated, Proof of your authority and license to collect in the State of Illinois , this account must be deleted from all credit bureaus immediately. 
Cease & Desist Until proper validation is provided, you are to cease and desist all collection activity, including but not limited to : Reporting to XXXX XXXX XXXX XXXX  Contacting me directly, Selling, transferring, or assigning this account to another entity. 
Notice of Legal Remedies If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, and I will pursue civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1692k.

You have 30 days from receipt of this notice to provide proper validation. If you can not, you must immediately delete this account and cease all collection efforts. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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