vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
Nationwide Capital Services is falsely reporting itself as the original creditor on my credit report, even though it is a debt buyer and did not originate this account. This information is inaccurate and misleading. I requested validation of the debt, proof of ownership, and documentation showing how they became the creditor. The company did not provide any of this information and continued to report and verify the account anyway. 

They did not provide : Proof of purchase or assignment Chain of title from the original creditor A signed contract or agreement Itemized accounting Documentation showing they are legally the creditor By reporting false creditor information and verifying the account without providing documentation, the company is violating : FDCPA 1692e ( 2 ) ( A ) misrepresenting the character or legal status of a debt FDCPA 1692e ( 10 ) using deceptive or misleading practices FDCPA 1692g ( b ) continuing collection/reporting without validating the debt FCRA 1681s-2 ( a ) furnishing inaccurate or misleading information FCRA 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute I am requesting that the CFPB require Nationwide Capital Services to provide full XXXX and XXXX of ownership, or remove this account from my credit reports entirely.

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 2025-12-09 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 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: FL

Complaint narrative:
I am submitting this statement to report that I am the victim of identity theft and fraudulent activity. The account listed as XX/XX/Mercury account number XXXXXX/XX/XXXX, was opened in my name without my knowledge, authorization, or consent. I did not apply for, open, use, or benefit from this account in any way. 

My personal identifying information was compromised as a result of a data breach. Due to this breach, an unauthorized individual obtained and used my information to fraudulently open the above-referenced account. This activity was done entirely without my permission and constitutes identity theft under federal law.

I am requesting that this fraudulent account be investigated, blocked, and removed from all consumer reports pursuant to 15 U.S.C. 1681c-2 ( a ) and all applicable identity theft protections under the Fair Credit Reporting Act. I am also requesting that any and all collection efforts related to this account cease immediately, as I am not responsible for any activity, charges, or balances associated with this fraudulent account. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge.

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 2025-12-09 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:
I am following up on my previous complaint regarding numerous inaccuracies on my credit reports with Experian, Equifax, and TransUnion, including outdated or incorrect personal information ( XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ; XXXX XXXX XXXX XXXX  TX, XXXX ), unauthorized inquiries ( SBA XX/XX/year> ), and derogatory accounts that are inaccurate, unverified, or do not belong to me, including XXXXXXXX XXXX XXXX XXXXXXXX {$13000.00}, XXXX XXXX XXXX {$7300.00}, XXXXXXXX XXXX XXXXXXXX {$9000.00}, XXXX XXXX XXXX {$430.00}, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6200.00}, and others as previously listed. These inaccuracies violate my rights under the Fair Credit Reporting Act, including 605 ( a ) ( obsolete information ), 607 ( b ) ( credit bureaus obligation to maintain accurate records ), 611 ( dispute of inaccurate inquiries ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( obligation to report accurate information and date of first delinquency ), as well as my rights under the FDCPA 807 and 808 ( false or misleading representations and unfair practices ) and DCPA 809 ( debt validation 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
I am filing a complaint because Discover Bank is reporting inaccurate, incomplete, and misleading information to XXXX regarding my former secured credit card account. 
XXXX. Discover is reporting inconsistent and impossible payment history XXXX shows : XXXX XXXX XXXX XXXX XXXX for XXXX and XX/XX/XXXX XXXX ( Charge-Off ) in XX/XX/XXXX Multiple severe delinquencies ( XXXX ) across XXXX Various inconsistencies in XXXX This payment pattern does not follow required XXXX XXXX guidelines and is internally contradictory. A creditor can not report XXXX XXXX and then immediately report a charge-off without a consistent delinquency sequence. 
XXXX. Discover reports XXXX, XXXX, {$220.00} written off, but continues to show multiple derogatory months Once an account is : Closed Charged off Paid/written off the furnisher can not continue adding delinquency codes or updating derogatory history. Doing so violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information Regulation V Duty to provide complete and accurate data The reported delinquency pattern is not accurate and misrepresents the true status of the account. 
XXXX. The account shows no balance, no balance update date, and no current status information XXXX displays : Balance : Balance updated : Highest balance : {$330.00} Last payment : XX/XX/XXXX Missing or incomplete information like this violates the requirement that furnishers report : Complete Accurate Consistent information. 
Partial or inconsistent reporting is considered misleading under FCRA. 
XXXX. Some delinquencies reported are not possible based on the account timeline The account was : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status updated : XX/XX/XXXX However, the payment summary shows late payment codes that do not align with the account 's actual open-to-close cycle, meaning Discover may be reporting dates outside of the period the account was active. 
XXXX. The reporting is harming my credit score and creditworthiness The inconsistent, inaccurate delinquency history is lowering my score and affecting my ability to qualify for credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account that is being reported on my credit report without proper verification or proof of ownership. 

On multiple occasions, I formally requested that this collection agency provide full legal verification of the debt, including but not limited to : Proof that the debt is valid Proof that the collection agency is the legal owner of the debt A copy of the original signed contract or agreement A complete and accurate payment history Proof of their authority to collect on this account These requests were made under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite these lawful requests, the collection agency failed to provide proper documentation proving ownership of the alleged debt. 

Instead of validating the debt as required by law, the agency continued to report the account to the credit bureaus, which is causing significant harm to my credit profile. Reporting a debt without proper verification and without proving ownership is inaccurate, misleading, and unlawful. 

Because the collection agency has been unable or unwilling to prove they legally own this debt, they no longer have permissible purpose to continue reporting it. Under FCRA 1681s-2 and FDCPA 1692g, this account should be immediately deleted in full from all credit reporting agencies.

I am requesting that the CFPB require this collection agency to : 1. Provide documented legal proof of ownership, or 2. Immediately delete this collection account from my credit reports if they are unable to do so.

I am also requesting confirmation that this account will not be reinserted without proper certification and notice as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received a call from XXXX and was left a voicemail from trip with XXXX I need to speak with ( government name ) or their personal representation regarding a time sensitive matter. I need to call back XXXX. XXXX by the end of the business day today. 
Trip also called my mother and said they were looking for ( government name ) to resolve a debt. This is illegal nor should this person be leaving voicemails with my full government name saying to are looking to resolve a debt. Trip then told be the debt was $ XXXX and said the debt could be brought down to $ XXXX and any payments made would be subject to a {$11.00} processing fee due to the state I live in. The payments they mentioned would bring the final amount to {$1700.00} not the {$1100.00} that it could be brought down to. Do not give out false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain numerous inaccuracies, conflicting entries, duplicate information, and inconsistent timelines that violate multiple provisions of the Fair Credit Reporting Act and have caused significant confusion and harm. Specifically, Experian is reporting incorrect and inconsistent XXXX Golf XXXX XXXX XXXX FL XXXX and XXXX XXXX Ct XXXX FL XXXX Equifax shows altered versions of these same addresses with different ZIP codes, and TransUnion lists unrelated addresses at XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX FL XXXX, none of which are accurate or currently associated with me. These address variations raise concerns under FCRA XXXX ( b ) regarding the bureaus obligation to maintain maximum accuracy, and I am requesting their removal. In addition, multiple accounts contain conflicting timelines across bureaus : for my Apple Card/GS Bank account ( XXXX, {$7600.00} balance ), Experian reports XXXX Date of Last Activity of XX/XX/XXXX with a Date Reported of XX/XX/XXXX, while Equifax lists XXXX Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, creating contradictory versions of the same account in violation of FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX account ( {$12000.00} ) also shows different Dates of Last Activity across all three bureausExperian stating XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion XXXX well as differing reporting dates, which misrepresents the accounts history and fails to comply with FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency. XXXX Bank XXXX XXXX account ( {$4600.00} ) is similarly misreported, with Experian listing a Date of Last Activity of XX/XX/XXXX and TransUnion XXXX XX/XX/XXXX, despite both reporting the same balance, again showing inconsistencies that distort my credit profile. My XXXX XXXX account ( {$4000.00} ) includes conflicting Dates of Last XXXX on Experian and XX/XX/XXXX on XXXX should not display contradictory timelines if the data were accurately maintained. The most alarming issue is with TGTRELLIS Account XXXX, which appears only on Equifax and in XXXX conflicting versions : XXXX listing a balance of {$1900.00} with late XXXX marks, and another listing a different balance of {$2700.00} with a different date opened, both with identical Dates of Last Activity and reporting dates despite no verification of this account on Experian or TransUnion. These duplications and discrepancies strongly suggest inaccurate, unverified, or improperly merged information, violating FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 5 ), and 605 ( a ) concerning obsolete or unverifiable reporting.

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 2025-12-09 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: CA

Complaint narrative:
The item in dispute contains inaccurate information that misrepresents my financial habits. Please revise my account to ensure accuracy.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
letter that was sent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX Re : Request for Debt Verification Account/Reference Number : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am requesting validation of the debt you claim I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : 1. Verification that I am the correct debtor.

2. The name and address of the original creditor.

3. A complete account history, including the original amount, all fees, interest, and payments. 4. Proof that you are legally authorized to collect this debt.

5. A copy of the signed contract or agreement establishing this debt.

Until this information is provided, you must cease all collection activity, as required by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Issue : Inaccurate late payment reporting due to incorrect information provided by XXXX XXXX XXXX XXXX XXXX XXXX representatives. 

I am filing this complaint because XXXX XXXXXXXX XXXX reported a 30-day and 60-day late payment on my credit report that occurred only because customer service representatives repeatedly gave me incorrect due-date information and failed to notify me that my account was 30 or 60 days past due. 

Before the payment was due, I spoke with a XXXX XXXX representative ( on XXXX ) who clearly told me that my payment due date was the XXXX and that paying by that date would prevent any late reporting. I relied on this information and paid by that date. The rep also told me that I didnt need to set up a payment plan ( even though that was the point of my call ), and never informed me that my account was 30 or 60 days past due. I relied on her statements and didnt set up the payment plan, and those flate repo Despite this, XXXX XXXX reported me as 30 and 60 days late. At no time was I informed that I had already become 30 or 60 days past due, and I was not told that my account was at risk of closure. 

When I contacted customer service after the late was reported, another representative acknowledged the situation and removed the late fee, which indicates that an internal error occurred. However, the negative credit reporting remains.

This delinquency was caused by representative error, not payment negligence. Under FCRA 623, furnishers must correct information that is inaccurate or results from internal mistakes, including incorrect instructions given to customers.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries still remain. This lack of action is unacceptable. Their continued presence is highly alarming, raises serious concerns about potential identity theft, and has resulted in ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Click n' Close, Inc.
State: GA

Complaint narrative:
I requested loss mitigation assistance after a loss of income. The servicer required a full six-month package. I submitted the complete package on XX/XX/year>, before the deadline they provided. I received no acknowledgment from the servicer despite multiple phone calls and emails. 

I resubmitted the same complete package again on XX/XX/year>, after the servicer continued to ignore all communication. Again, I received no confirmation of receipt or status update. 

However, earlier the servicer sent a letter dated XX/XX/year>, claiming they had only received a partial package. This is not accurate, and I believe this misrepresentation is part of a document-cycling pattern designed to delay review and push the loan closer to delinquency. 

The servicer only replied after I sent a formal Qualified Written Request/Notice of Error via certified mail. Their written response merely stated that the XXXX is being worked on, but they still have not acknowledged receipt of either complete submission or indicated whether my application is considered complete under Regulation X. 

I believe the servicer is violating federal loss mitigation rules, including failure to acknowledge receipt of documents, failure to assign a single point of contact, failure to respond to a complete application, and providing contradictory or misleading information. The servicers delays are increasing the risk of wrongful foreclosure activity despite my timely compliance. 

I am requesting CFPB intervention to : XXXX. Require the servicer to acknowledge all documents submitted XX/XX/XXXX and XX/XX/XXXX. 
XXXX. Confirm whether my application is complete under Regulation X. 
XXXX. Prevent any foreclosure or collection activity during review. 
XXXX. Investigate the servicers handling of my account and their document-cycling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MS

Complaint narrative:
I am submitting a complaint against IQ Data International ( XXXX XXXX XXXX because they are reporting or attempting to collect a final balance that was fully paid at move-out. I provided screenshots confirming payment directly to the Property Manager, XXXX XXXX, yet the account has never been corrected or updated. This failure to properly apply and acknowledge my payment violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and ( b ) regarding accurate reporting and duties to investigate disputed information, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) for falsely representing the amount owed. Their negligence is now negatively affecting my credit, lowering my score, and creating unnecessary financial hardship, including difficulty securing housing and increased costs on credit products.

Company response to consumer: Closed with explanation