vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding is reporting a credit card debt with an incorrect balance and dates. Multiple companies are collecting on the same account at the same time, which is illegal. XXXX XXXX XXXX is sending collection demands and showing XXXX balance, while Resurgent Capital Services sent a notice stating the account was sold to LVNV and is showing a different balance. LVNV is reporting another amount on my credit report.

I mailed certified disputes to each credit bureau requesting validation, proof of ownership, and an itemized breakdown. None of the companies responded, but they continued collection activity anyway. The balances, dates, and ownership information do not match between LVNV, Resurgent, and XXXX. This is misleading, inaccurate, and appears to be re-aging of the account. 

I am requesting a full investigation and removal of the LVNV tradeline due to inaccurate reporting, failure to validate the debt, conflicting balances, and multiple companies collecting on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I financed my vehicle with Exeter Finance on XX/XX/XXXX. My payment due date is the XXXX of each month. 

On XX/XX/XXXX, I made an early payment of {$750.00}. On my account history, this payment shows a negative reversal entry on XX/XX/XXXX and then a new {$750.00} payment added back the same day. 

This removed my early-payment interest credit and caused me to be charged additional interest I should not owe. 

Since then, several of my on-time payments in XXXX were applied almost entirely to interest. I have paid over {$6000.00} so far, but only about {$1400.00} has gone toward principal, which is not consistent with my amortization schedule for a XXXX simple-interest loan. 

I asked Exeter for a payment application audit and an explanation for the XX/XX/XXXX reversal and the interest-heavy allocations. They did not provide the information, only repeating generic statements about simple-interest loans. 

This payment handling has prevented me from refinancing and has caused my balance to be higher than mathematically expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Issue : Auto loan misrepresentation and deceptive financing practices originating from XXXX XXXX in XXXX, AZ. 

Complaint Summary : I am filing this complaint because I was misled during the purchase of my auto loan, and Toyota XXXX XXXX is now servicing a contract that was obtained through deceptive and false statements by the dealership. 

Details : I purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I was XXXX at the time. Before signing, I was told my monthly payment would be about {$500.00} based on my down payment and trade-in. 
However, when I was taken into the finance office, I was told my payment would be around {$700.00} temporarily and only for a couple months to build payment history. The dealership stated that after a few payments, Toyota Financial would refinance the loan and bring the payment back down to the agreed-upon {$500.00} range. 
I relied on these statements when signing the contract. 
After making several months of higher payments, Toyota Financial informed me that they do not refinance their own auto loans and have no program that does this. This contradicts what the dealership told me at signing.

The dealerships misrepresentation resulted in me signing a contract with terms I never agreed to. I have now been paying approximately {$700.00} per month since XX/XX/XXXXXXXX  and still owe {$33000.00}, despite the dealership promising a lower long-term payment. 

Why I believe this violates consumer protections : The dealership used deceptive statements to induce me into a loan Toyota Financial is servicing a contract obtained through misrepresentation I relied on false information about refinancing availability I am experiencing financial harm as a direct result I am requesting a review of this loan, the dealerships conduct, and assistance in resolving the issue. I am seeking correction or adjustment of the loan terms to reflect the original payment I was promised before signing. 

My Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Vehicle : XXXX XXXX XXXX Loan Servicer : Toyota Financial Services Dealership : XXXX XXXX  ( XXXX, AZ )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-14 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: NV

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Inquiries : XXXX Date : XX/XX/year> Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MN

Complaint narrative:
This complaint is intentional and necessary : my credit report contains multiple inaccurate entries that do not meet standards for accuracy or verification. These recurring errors have caused significant harm and stress, and their continued presence is unfairly affecting my life and credit standing.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One charged residual interest ( {$2.00} and {$12.00} ) on two accounts that were paid in full and closed. I attempted to dispute this and was told I could not. I am asking that the trailing interest be removed. Formal Compliant # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting that these entries be investigated, and if they can not be verified, corrected or removed.

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 2025-11-14 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Credit Dispute and Cease Paid-Off Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX  Santander XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Dispute of Inaccurate Credit Reporting Paid-Off Auto Loan Account # ( XXXX ) I am formally disputing the validity of any current balance or claim regarding the above-referenced auto loan account. This loan has been paid in full as of [ XX/XX/XXXX ], and I have documentation confirming the payoff.. Despite this, my credit report still shows late payment history and/or a negative status for this account. This information is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only complete and accurate data. 
I am requesting the following : 1. Cease all collection activity related to this account.

2. Cease all communications with me regarding this account, except to confirm that collection efforts have stopped or to provide requested verification.

3. Correct or remove any inaccurate information from my credit reports that indicate a balance, delinquency, or open status for this loan. 
Please provide written confirmation that this matter has been resolved and that no balance remains due. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
I am writing to formally dispute the following negative items listed on my credit report, as I believe they do not accurately reflect my credit history. Below are the items I wish to dispute : 1. XXXX XXXX Charge-Off o Account Number : XXXX o Amount : {$9700.00} o Status : Charge-Off o This account was reported as a charge-off. I request that TransUnion reinvestigate the account for accuracy under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), ensuring the information is accurate and up-to-date. 
2. XXXX XXXX Charge-Off ( 2nd entry ) o Account Number : XXXX o Amount : {$5700.00} o Status : Charge-Off o Please verify the charge-off status of this account and ensure the account balance and status are accurately reflected. 
3. XXXX XXXX Charge-Off ( 3rd entry ) o Account Number : XXXX o Amount : {$5700.00} o Status : Charge-Off o I dispute this charge-off status and request a verification of the outstanding balance and that this account accurately reflects the correct information. 
4. Delinquent Student Loan o Account Number : XXXX o Amount : {$3600.00} o I dispute the delinquent status of this student loan. Kindly review the payment history and ensure that it has been accurately reported.

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 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
* Issue : Trouble during payment process or applying for assistance * Company : Select Portfolio Servicing , Inc. ( SPS ) * What happened : I am a federal employee impacted by the ongoing government shutdown and submitted my official hardship letter from my employer to SPS through their online portal in the first week of XX/XX/year>XXXX  to request mortgage assistance due to reduced income. 
After more than ten days without a response, I called SPS and was told my hardship documentation was received and that I would be mailed available assistance options. No such letter ever arrived. Instead, on XX/XX/year>, when I tried to make a double payment ( funds borrowed from relatives ) to bring my account current, I found that my online payment access was XXXX and my loan had been placed in foreclosure status. 
An SPS representative confirmed that this was a human action, meaning the foreclosure was deliberately initiated while my hardship request was still pending. This violates the spirit of RESPA and federal mortgage servicing guidelines, which require servicers to act in good faith and evaluate hardship or loss-mitigation requests before pursuing foreclosure. 
SPS gave conflicting information, failed to acknowledge my application, and blocked my payment attempt actions that appear unethical and predatory, especially toward federal employees facing verified shutdown-related hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief