vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Debt Validation Account Number XXXX LJ Ross Associates, I am writing in response to a collection notice I received from your company. This letter is not a refusal to pay, but a formal request that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The amount of the debt, including a full breakdown of interest, fees, payments, and other charges. 
XXXX. The name of the original creditor. 
XXXX. A copy of the original signed agreement, if applicable. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
XXXX. A statement that, upon request, you will provide the name and address of the original creditor, if different from the current creditor. 
XXXX. XXXX that this debt is within the statute of limitations for collection in my state. 

Please cease all collection activity, including reporting this debt to credit reporting agencies, until this information is provided. 

Sincerely, XXXX XXXX

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 2025-08-01 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: PA

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 2025-08-01 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: PA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove a fraudulent account reported by XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year> with a balance of {$1500.00} listed as an XXXX XXXXXXXX XXXX XXXX  which was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an XXXX XXXX opened at XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding a derogatory debt collection account reported by LVNV Funding LLC XXXX Resurgent Capital Services, which I never authorized, agreed to, or contracted. I was never notified of this alleged debt by the original creditor, and I categorically dispute its validity. I do not owe this balance and have no direct contractual relationship with XXXX or XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and Fair Credit Reporting Act ( FCRA, 15 U.S.C. 16811681x ), I hereby demand full debt validation, including the following : Original signed agreement with the alleged creditor Full chain of title from original creditor to LVNV Complete itemized billing statement of the debt The Forward Flow Agreement showing legal transfer of records Valid state licensing documentation to collect in my jurisdiction LVNV Funding has failed to provide this information, violating its legal obligations under FDCPA 809 ( b ) and FCRA 1681e ( b ), 1681s-2 ( b ). The continued reporting of this disputed and unvalidated debt is willful noncompliance and subjects the company to civil liability under FCRA 1681n and FDCPA 1692k, as supported by Cushman v. Trans Union ( 115 F.3d 220 ) and Clark v. Capital Credit ( 460 F.3d 1162 ).

Additionally, a formal Cease and Desist notice was issued under FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ). Any further communication without prior validation is considered harassment and a statutory violation.

I demand the immediate deletion of this tradeline from all credit reporting agencies and confirmation that the account has been permanently closed, withdrawn, and will not be sold or reassigned. Failure to comply will result in formal complaints with the CFPB, FTC, my State Attorney General, and potential civil litigation. 

I reserve all rights under state and federal consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: NY

Complaint narrative:
Once again self is breaking the law. My card was stolen and unauthorized charges was made and its been almost 6 months and no response from self

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
In total, I paid approximately {$36000.00} toward XXXX accounts to Upstart. XXXX was paid in full, and the other, with a larger balance, had a payoff amount of over {$28000.00}. After making this substantial payment, I was shocked to learn that an additional {$1700.00} in accrued interest was added to the account. Furthermore, the account now reflects XXXX remaining payments, and I am being asked to continue making monthly payments of {$1200.00}. 

To add to my frustration, I was denied a payment plan and told that arrangements could only be discussed after I become delinquent again. This is both confusing and unacceptable, especially after the sacrifices I made based on the guidance and promises I received from your company. 

I now question why I jeopardized my primary home loanaccepting a higher interest rateto do the right thing by Upstart, only to be met with further penalties and misinformation. The financial and emotional impact of this situation has been significant, and I respectfully request the following : A full investigation into the communications and promises made prior to the loan payoff Immediate removal of the {$1700.00} accrued interest Correction of any inaccurate or misleading account status showing on my credit report Clarification and closure of the account reflecting XXXX remaining payments A written explanation and confirmation of your resolution Please treat this matter with urgency. I am hopeful that Upstart will honor its commitment and correct this situation in good faith. If I do not receive a satisfactory resolution,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear CFPB, Jefferson Capital Systems Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 CB 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 - Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-01 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: Experian Information Solutions Inc.
State: WA

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Albert Corporation
State: TX

Complaint narrative:
Bank took money from my other bank account each month even though my account was closed without reason over a year ago Im very frustration Im still funding a closed account my account was closed in XXXX here it is XXXX they been stealing XXXX $ from me every month I want my money reinversed or Im sueing them what they have doing is illegal why am I still funding a account that was closed a year ago this company owes me XXXX $ thats how much it has added up to on fees they stole from me

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 2025-08-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Account Numbers : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX ( XXXX  ) Date : XX/XX/year> To whom it XXXX concern, I am submitting this complaint regarding my student loan account with EDFINANCIAL SERVICES. 

The account has been reported as 120 days past due, with a past due balance of {$640.00}. However, I dispute this account because : - I have requested debt validation from EDFINANCIAL, but I have not received proper verification of the debt. 
- The account information on my credit reports is inaccurate and damaging my credit score.

- The account is reported under different account numbers across the three credit bureaus ( XXXX XXXX XXXX ), but it is the same loan with EDFINANCIAL SERVICES. 
- I am requesting that EDFINANCIAL provide full debt validation as required by law, and that any inaccurate or unverified information be removed from my credit reports with all three bureaus. 

Despite my efforts to resolve this directly with EDFINANCIAL, they have not provided the requested validation or corrected the reporting. 

I respectfully ask the CFPB to investigate this matter and ensure that XXXX complies with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly 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 2025-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally raise a concern regarding the mortgage servicing practices of LoanDepot. Specifically, the company has modified its online and mobile payment systems to prevent borrowers from making payments once a loan is past due, even when the borrower is attempting to resolve the delinquency voluntarily and without assistance. 

In my case, I attempted to make a payment after a short delay, only to find that the app and website were both XXXX for that purpose. I was not provided with any immediate alternative path to pay electronically, and I was not notified in advance that this would occur. This design appears intended to make payment more difficult, thereby increasing the likelihood of triggering late fees, default status, and further punitive actions.

This practice may be contractually permitted, but I believe it raises serious ethical and consumer protection concerns : - It discourages borrower compliance by removing the easiest method to pay. 
- It appears designed to increase revenue through late fees and downstream penalties. 
- It adds friction precisely when borrowers are trying in good faith to become current. 
- It creates additional risk of foreclosure or default unnecessarily. 

The behavior seems to contradict the servicers ethical responsibility to assist borrowers in maintaining good standing whenever possible. If there is no technical reason to block electronic payments once a loan is late, and no legal requirement to do so, then this decision should be reconsidered by LoanDepotor subject to oversight by your office. 

Note that I responded to their call to my home and when I said I would pay, they hung up on me. Then the app would not take my payment. I then had to search the internet for the appropriate payment ACH path, which I used, and they nevertheless claimed that the payment had not been processed for days after they received it. When I called in to speak to customer support and to pay the remaining late fees, they at first increased the late fees by {$30.00}, then they would not accept the late fees, the when I escalated to a supervisor, she claimed to accept the late fees payment without the {$30.00} increase ( this all having taken an hour on the phone to address ). Then when I asked for an ethical rationale as to why the app had been shutdown so that I could not pay on time, I escalated to the supervisor of the supervisor, who kept me on hold for XXXX mins and then hung up before addressing my concern. These are obviously predatory and unethical practices. 

I respectfully request that your office investigate this practice and determine whether it is consistent with fair servicing standards and the rights of borrowers under XXXX XXXXk and federal law. I am happy to provide documentation of my experience upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Creditor reported a 30-day late payment despite active autopay and no failed payment alert. I had sufficient funds. This is inaccurate and in violation of FCRA/FCBA. I request removal of the negative mark

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Account name RADIUS GLOBAL SOLUTIONS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1300.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1300.00} Highest balance - Terms 1 Month On record until XX/XX/year> 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