vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is reporting a collection for {$2100.00} that I dont believe they have any right to be reporting. I never gave permission for my personal information or account details to be shared or handled by their company. My lease was with XXXX XXXX XXXX, not Hunter Warfield, and nothing I signed gives them permission to collect or access my data. 

They attached lease and move-out papers that show I was a tenant, but those documents do not prove I agreed for Hunter Warfield to get my personal information or open an account in my name. Thats a serious privacy issue because they are using and reporting information I never authorized. 

If they are collecting on behalf of someone else, they should be able to show an agreement with my signature saying I gave consent for them to take my account. They didnt provide that. This is a violation of my privacy rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They changed my credit limit on my report from what i was given so know it looks like i am way over my credit limit when I am not. i was given {$800.00} credit limited on my credit report it shows i only have a {$200.00} credit limit but owe over {$500.00}. also they called XXXX or XXXX times a day at all hrs.

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 2025-10-26 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:
XXXX XXXX is reporting a XXXX late payment for XX/XX/year> on my account ( Account Number ending in XXXX XXXX XXXX XXXX ), but this late payment is not consistently reported across all credit bureaus. TransUnion reflects the account as current with no late payments, while Experian and Equifax continue to list a XXXX delinquency. This inconsistency suggests that the late payment entry may be inaccurate or unverifiable. 

I previously disputed this late payment, but no certified documentation such as billing statements, a verified due date, or payment ledger was provided to confirm a payment was actually more than XXXX days past due. The account is currently open and in good standing, and I have continued making payments in good faith. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ), furnishers and credit bureaus are required to ensure the accuracy and full verification of reported information. Since this late payment can not be consistently or reliably verified, I am disputing the accuracy of the late entry.

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 2025-10-26 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:
XXXX XXXX is reporting a XXXX late payment for XX/XX/year> on my account ( Account Number ending in XXXX XXXX XXXX XXXX ), but this late payment is not consistently reported across all credit bureaus. TransUnion reflects the account as current with no late payments, while Experian and Equifax continue to list a XXXX delinquency. This inconsistency suggests that the late payment entry may be inaccurate or unverifiable. 

I previously disputed this late payment, but no certified documentation such as billing statements, a verified due date, or payment ledger was provided to confirm a payment was actually more than XXXX days past due. The account is currently open and in good standing, and I have continued making payments in good faith. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ), furnishers and credit bureaus are required to ensure the accuracy and full verification of reported information. Since this late payment can not be consistently or reliably verified, I am disputing the accuracy of the late entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I was approached by a woman via the XXXX social media platform and was requested me as a friend. Then we started talking for a few weeks. Once we built some sort of friendship, she suggested a business plan which was crypto trading on XXXX XXXX platform. I was eventually convinced to put in a small amount of money, and she showed me how to trade, and I saw that the trading was very attractive, as the return was great. Then she suggested that if you put in more money, your profit will grow substantially. Then I ended up adding more and more money until it reached about XXXX. Eventually, I asked her if I could withdraw my money now, and she told me to ask the customer support, and I did. Then they told me that I have to pay a big tax to be able to withdraw. Then I went ahead and asked them if they could deduct from my asset, and they said no. At the end, I found out that all that was a scam and ended up losing all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet reported my student loans as late/no payment while I was in active communication with their representatives about entering an affordable repayment plan. I provided all requested information and was later placed into deferment, showing I acted in good faith to avoid delinquency. Despite this, Nelnet refused a goodwill adjustment and continues to report these late payments, which has severely damaged my credit. I believe this reporting is inaccurate and unfair under the Fair Credit Reporting Act and contrary to Department of Education servicer standards. I request that the CFPB investigate and require Nelnet to correct or remove these inaccurate entries and ensure my credit accurately reflects my deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
I received ongoing services from XXXX XXXX XXXX that were billed to my insurance, which paid over {$33000.00}. Without warning or notice that my deductible had reset, I was later billed directly for more than {$4000.00} and sent to collections. I was not given timely statements or a chance to review or address the charges. I believe the amount being collected is inaccurate and unfairly inflated, reflecting a failure of communication and billing transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and delete them from my report. It is my understanding that you will contact the creditor responsible for reporting these items for verification. Please remove any information that the creditor is unable to verify. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within XXXX days of receiving this letter.

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 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXX/XX/XXXXXXXX Date : XXXX XXXX To XX/XX/XXXXXXXX Experian XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Repossession Entry Violation ofXX/XX/XXXXXXXX and FCRA Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of a repossession account being reported by XXXX XXXX XXXXXX/XX/XXXX on my credit file. The repossession reportedly occurred around XX/XX/XXXX after the car was total lost, but the reporting appears to violate both North Carolina secured transaction law and the Fair Credit Reporting Act ( FCRA ). 

Under XXXX XXXX XXXX. XXXX through XXXX, a secured creditor must provide the debtor with proper written notice of disposition before and after the sale of any repossessed vehicle. I was never provided any notice of the intended sale, nor was I informed of how the sale proceeds were applied or the resulting balance. 

XX/XX/XXXX courts have held that failure to comply with these notice requirements forfeits the lenders right to claim any deficiency balance. See XXXX XXXXXX/XX/XXXXXXXX ). Therefore, any balance reported by XXXX XXXX XX/XX/XXXX after the repossession is legally invalid and inaccurate. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), you are required to ensure that only accurate and verifiable information is reported. Because this account reflects an unlawful or unverified deficiency balance and was not handled in compliance with state notice laws, I request that you investigate this matter, verify the accuracy with the furnisher, and delete or correct this entry from my credit file. 

Please send me written confirmation of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Your bank reported me XXXX  days late for XX/XX/year>. I hereby state that I have made all of my vehicle payments within the XXXX grace period, and I hereby request a professional review of the matter. If upon your review you see that I am correct, please make the necessary correction with the three credit reporting agencies accordingly. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im requesting a one-time forgiveness for a late payment that occurred on my account. The missed payment was an unintentional oversight due to a temporary financial hardship. Since then, I have made all payments on time and kept my account in good standing. I kindly ask that the late payment be removed from my credit report with all three bureaus as a gesture of goodwill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Citibank for the sudden and unjustified closure of my account ending in XXXX. On XX/XX/year>, I received a letter from Citibank stating that my banking relationship would be terminated and all related accounts would be restricted and closed within sixty days. This unexpected closure has caused a severe disruption to my finances my payroll deposits are not going through, and I am unable to pay my bills or access my own funds. Despite visiting my local branch multiple times, I have not received any clear explanation for this action. 

The bank representatives informed me that I must wait up to sixty days to receive a check for my remaining balance, including funds in my savings account. I find this delay unreasonable and unacceptable, especially since I rely on this account for my living expenses and ongoing payments. Several specialists mentioned I might receive some funds through ACH transfer, but none have been released to date. I have been given inconsistent information, which has only added to my XXXX  and financial hardship. 

Due to Citibanks actions, I have incurred late fees and missed payments for my regular bills. I believe the bank should be held accountable for these consequences, as the account closure was done without prior notice or a valid reason shared with me. This has not only damaged my financial stability but also caused significant XXXX XXXX 

I request that the CFPB investigate Citibanks handling of this matter and require them to release my funds immediately, compensate for the resulting financial damages, and provide a clear explanation of why my account was closed. I am also requesting that they cover any bill fees or penalties I have incurred as a result of this closure. Thank you for your time and assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-10-26 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: NV

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am seething with anger and utterly appalled by the complete disregard for my consumer rights through the dissemination of grossly inaccurate information. This potential breach of trust is absolutely unacceptable, and I demand swift action and full accountability for this reprehensible behavior. 
The audacity to include negative information, certified or not, is an infuriating insult. I will not tolerate such injustice, and I demand an immediate and thorough investigation into the potential failures that led to this woefully inaccurate credit report. The lack of adherence to the Fair Credit Reporting Act ( FCRA ) and applicable data field formatting standards raises serious concerns regarding my rights as a consumer. 
This situation has far-reaching consequences, and I expect nothing short of a comprehensive document that meticulously details the evidence for each claim made. The integrity of my personal and financial information hangs in the balance, and any potential deviation from the mandated standards, as outlined in the 2020 Consumer Reporting Resource Guide ( CRRG ), represents a concerning lapse. I implore you to rectify this issue immediately and ensure the removal of any potentially inaccurate accounts from my credit report. My financial well-being and peace of mind depend on it. 

MIDLAND CRED - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: MO

Complaint narrative:
Debt Validation Letter Request for Verification and Assignment Contracts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date To : JEFFERSON CAPITAI-SYSTEMS LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Formal Request for Debt Validation under Federal and XXXX XXXX Dear JEFFERSON CAPITAI-SYSTEMS LLC or To Whom It May Concern, I am writing in response to your recent [ letter/phone call ] dated [ insert date ], in which you claim I owe a debt to your company. This letter serves as a formal request for validation of the alleged debt under both federal law ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) and XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, the Missouri Merchandising Practices Act ). 
Please provide the following documentation to verify your legal right to collect this debt : 1. The name and address of the original creditor.

2. The exact amount of the alleged debt, including a full itemization of principal, interest, fees, and any additional charges.

3. A copy of the original signed contract or agreement establishing my obligation to pay the alleged debt.

4. Copies of all assignment, transfer, or purchase contracts between your company and any previous owners of the debt, showing an unbroken chain of title and proving your authority to collect in Missouri.

5. The date of default and the date your company claims to have acquired the debt.

6. Your companys Missouri debt collection license or registration number, and the name of the registered agent within the State of XXXX 
Please note that until you provide the above documentation, I do not acknowledge or accept liability for this alleged debt. Under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including reporting to credit bureaus, until full validation is provided.

If you fail to comply, or if you continue collection activity without providing proper validation and assignment documentation, I will consider filing complaints with the Missouri Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violations of state and federal law. 
Please send your full response within 30 days of receipt of this letter to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. I'm filing this CFPB complaint. I have several fraud accounts on my credit report that I noticed once I checked my credit report none of these accounts were opened by me all these accounts come from fraud. Block and remove these accounts in 4 days in accordance with FCRA 605B ( 15 U.S.C. 1681 c-2 ) All in XXXX opened XXXX account number 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 2025-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I had a home equity loan with Nationstar Mortgage, I believe I exhausted all efforts trying to work with Nationstar Mortgage to prevent foreclosure and to apply for forbearance. Nationstar went ahead and filed foreclosure and took over my house and sold it at auction while I was in the middle of trying to work out forbearance and tried to apply for assistance with my home equity loan. The CFPB alleges that Nationstar violated multiple Federal consumer financial laws, causing substantial harm to the borrowers whose mortgage loans it serviced, including distressed homeowners. Which is what occurred to me because they foreclosed on my home when I was trying to work with them. Charging me substantial fees and refusing to work with me which caused me severe financial and economic harm. Mishandling loan modifications : The company was accused of failing to properly offer loss mitigation options and mishandling loan transfers.

Wrongful foreclosures : There were allegations of wrongful foreclosures, with some borrowers receiving substantial payments due to being wrongfully foreclosed upon after their loan was transferred to Nationstar. Which is what occurred to me. My property address was XXXX XXXX XXXX XXXX, TX XXXX. Nationstar went ahead and sold my property for {$80000.00} at auction without providing me assistance after numerous attempts. I believe I was wrongfully forclosed on and I believe I should receive Monetary relief as the financial harm I have experienced is still occurring today. Not only did I end up being homeless, I had to find places to stay often times living month to month. I believe this was all caused because of how Nationstar handled my loan modification, and for Nationstar wrongfully foreclosing my property. Nationstar received profit from my property and I believe Nationstar scammed me. I am requesting Monetary relief for the financial harm.

Company response to consumer: Closed with explanation