vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: WI

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC
State: VA

Complaint narrative:
I got a loan through EasyPay Finance at XXXX and XXXX XXXX XXXX in Virginia. I signed a contract that states biweekly payments. Last month, they took out three payments. This month ( XXXX ), they were going to take out three payments, but I got off Autopay. The months since ( XXXX, started the payment ) have been as they should be, twice a month. I called on XXXX ( XXXX and was told that since different months have longer days, I would get charged three times that month. This does not make sense to me. If you went with two business weeks, excluding weekends, it still only leaves one to two days extra ( not a full week ). I wanted to pay on specific dates to ensure only two payments are made per month. The woman I spoke to added an extra {$9.00}. They never corrected the payment I made on XX/XX/XXXX ( I have bank receipts ). I've looked at the reputation of this lender and found many bad reviews, some of the same as I'm experiencing. I would like someone to tell me if this is the standard, legal practice of collecting a loan and what to do about it P.S. they charge a 35 % interest rate Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
United collection XXXX called twice today XX/XX/year> at least 4 times last week and serval times weekly over the last 3 months. They use other numbers and continue to call me weekly about debt collection which i do not owe. I have contacted the company I use to check my credit reports, have reviewed all my credit reports and put a 7 year fraud stop on all my credit reports last year when my information was leaked by a medical company. These calls are harassing and unnecessary and if possible I would like a class action suit placed against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I am disputing the way Continental Finance Company is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, Continental Finance Company, with account # XXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was not receiving mail will foreclosed has been sent mail was being sent to XXXX different locations while I live in XXXX location and thats the XXXX south XXXX XXXX XXXX ca XXXX as per loancare. So house has been sold without me not even knowing. Documents has been send out on time but was not being delivered on time to the laon department something doesnt seem right. As far as all my mail not being delivered to my address and me not being able to make phone calls to anyone.

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 2025-09-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
I am writing to formally dispute significant inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires that all reported information meet standards of maximum possible accuracy. 

These inaccuracies are causing me ongoing financial harm.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
This number has called my place of employment XXXX times and every time Ive told them to stop calling my place of employment and they continue to harass me saying they have an important business matter to discuss with me and I will have my bank levy and paychecks garnished and possible jail time if I dont pay and or set up a payment arrangement with them. The last time they called my employer was XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Company : Jefferson Capital Systems , LLC Product : Credit card debt collection Issue : Debt validation failure to provide complete documentation -- - Complaint Description To Whom It XXXX Concern, I am submitting this complaint regarding Jefferson Capital Systems , LLC ( XXXX ), who recently contacted me claiming ownership of an alleged XXXX XXXX account originally issued by XXXXXXXX XXXX XXXX XXXX  They state that the current balance is {$5100.00} as of XX/XX/year>. 

On XX/XX/year>, I received Jefferson Capitals initial collection letter, which references JCS Reference Number XXXX. While this letter acknowledges my right to dispute the debt, it fails to provide the legally required validation and supporting documents under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Jefferson Capital has not provided : 1. A signed, original, verifiable credit agreement showing my legal consent to the alleged debt. 


XXXX. A full accounting of the debt, including itemized statements from the original creditor. 


XXXX. Chain of title/assignment documentation, proving the lawful transfer of the alleged account from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX to Jefferson Capital. 


XXXX. Proof of licensing to collect debts in New Jersey. Debt collectors must be properly licensed in the state to conduct collection activities, and I have yet to receive any evidence that Jefferson Capital is authorized to collect debts in New Jersey. 


XXXX. Confirmation that this debt has not been forgiven, canceled, or reported via IRS Form 1099-C , which would render further collection attempts improper. 



Further, Jefferson Capitals letter includes vague references to reporting to credit bureaus but does not confirm whether they have already reported this account or under what identifiers. This creates serious risk of inaccurate credit reporting, which would violate the Fair Credit Reporting Act ( FCRA ). 

This alleged account was previously disputed with the original creditor ( XXXX ) and they failed to provide proper validation. Now Jefferson Capital is attempting to collect without providing legal validation or proof of ownership, which raises further concerns. 

Until Jefferson Capital produces these documents, I formally dispute this debt in its entirety and request that no further collection activity or reporting occur. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH IDENTITY THEFT REPORT FROM FESERAL TRADE COMMISSION

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : EXPERIAN 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully reported under my credit profile. These accounts do not belong to me, were not authorized by me, and represent a clear case of inaccurate reporting. Their inclusion is harmful, misleading, and a violation of my right to maintain an accurate credit record.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I had a credit card with Barclays Bank XXXX XXXX Credit Card ) and made a payment by accident with my a previously used bank account owned by my father who had made a payment for me previously. The payment was reversed which was fine as it was my mistake but I had become late on my payment and was charged a late fee. I wasn't able to afford the minimum amount due and I fell behind. The company wasn't willing to work with me or waive the fee XXXX time so I continued to remain past due and didn't make the payment as I knew I wouldn't be able to satisfy the amount due and would still be charged another late fee and interest and I could use that money to pay towards other bills so I wouldn't be behind on those as I had become unemployed. Barclay Bank continued to charge me fees and interest for so long that my {$350.00} balance is now in collection for {$1200.00} They didn't send it to collection for at least a year or longer and I don't think the amount I am expected to pay is just for the balance that I originally owed. I understand I had obligations and that there are fees and interest involved but I feel that they abused their right to charge these fees and interest and that it's excessive putting this on my credit and into collection collecting more than XXXX what I owed.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I request that these entries be investigated, and if verification is not possible, they should be corrected or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN

Complaint narrative:
Crown assest management refused to speak with me regarding my debt. I would call and they would hang up on me and not talk to me regarding my debt to set up arrangements. I was never informed they purchased my debt until the final court hearing. I reached out to the attorney representing my case for them and they refused to talk to me stating i was being represented by freedom debt relief. which offers payment plans for all my debt that they obviously did not try to do. I requested through the court information regarding the debt. I did receive paperwork regarding a destiny credit card that they do not own. The company ( original creditor ) has reached out to set up payments on the debt they claimed is my garnishment. Garnishment went through. My hr stated they filed it that i make my pay weekly when i am paid bi-weekly. I had to waive being represented by the company i consolidated all my debt through that they would not work with to speak to the attorney office. After i did they told me the debt was commenity bank. That bank owns multiple credit cards. I informed they provided documents regarding my destiny card but thats not the debt. They claimed it was a different debt, but why did i receive paperwork for the other? Either way by law they are obligated to accept a payment plan but they refused to talk to freedom debt relief or me until after the Garnishment was fully complete. I have other debt i am paying even creditors who purchased debt. I have no issue paying my debt but this company screws people and i dont even know what im paying on, if its even mine, and my whole family and kids are suffering over their greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am disputing debts that LVNV/Resurgent claims I owe. On XXXX, I sent dispute letters to LVNV/Resurgent Capital and I have asked several times prior for proof that this debt is mine and that they have the right to collect it. They have not provided the information I requested. I have sent multiple written requests asking them to verify and validate this debt. They have not provided key information, such as the name of the original creditor, proof that they own or were assigned this debt and complete account and payment history. 

Instead, they continue to report this debt and send generic or inaccurate information to the credit bureaus and to me personally without giving me the proof I asked for. 

This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This majorly affects me because the accounts are still being reported on my credit file, which is lowering my credit score and harming my ability to get credit and other opportunities. 

I have spent time and effort trying to resolve this, but they are not fixing the issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief