vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 

I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 

The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$640.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX a XXXX special civil court case no paper served for me, put a lien against my house and never nor ever had any type of business with this company claiming over an very old debt was settled with original company which I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing the continued reporting of an alleged debt by Jefferson Capital Systems LLC that I believe is inaccurate and unverifiable. On or around XX/XX/year> or XX/XX/year>, I disputed this account through XXXX XXXX. The dispute was marked as Account information disputed by consumer in my credit file. 

Despite the dispute, Jefferson Capital Systems LLC did not provide any documentation validating the debt. They also failed to send me a written response explaining the basis of their reporting or proving the accounts accuracy. 

This account continues to appear on my credit report with an open balance of {$12000.00} and negative reporting, harming my credit standing without any supporting evidence. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and respond to disputes with appropriate verification. 

I am requesting that this matter be fully investigated and that Jefferson Capital Systems LLC be required to produce full documentation verifying the debt, including the original creditor agreement and any supporting records. If they can not provide this, I request that the account be permanently removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is sent under the Fair Credit Reporting Act to formally dispute a collection account on my credit report. I have not authorized this account and believe it to be either inaccurately attributed or fraudulently opened.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX 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 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 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 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 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 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 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 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 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 XXXXXX/XX/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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Resurgent Capital Services Attempted Collection on Unverified and Invalidated Debt in Violation of FDCPA, FCRA, and Florida Consumer Law To Whom It May Concern : I am filing this complaint to report repeated violations by Resurgent Capital Services and its affiliated debt buyer, LVNV Funding LLC, related to the attempted collection and credit reporting of disputed debts that have never been lawfully validated as required under federal and Florida consumer protection statutes. 

Complaint Summary : Invalid Debt Verification : Resurgent has repeatedly issued superficial account summaries prepared internally on behalf of LVNV Funding. These responses : Do not originate from the original creditor ( XXXX XXXX XXXX XXXX Bank ). 

XXXX any signed agreements, payment histories, or chain-of-title documentation confirming ownership or lawful assignment. 

Violate FDCPA XXXX XXXX ( b ), as supported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX which clarify that meaningful validation can not consist of internally generated records. 

Credit Bureau Reporting Misconduct ( Re-Aging and Inaccuracy ) : LVNV and Resurgent are misreporting both tradelines in violation of Metro 2 and the Fair Credit Reporting Act ( FCRA ) : Using acquisition dates as Open Dates ( e.g., XX/XX/XXXX and XXXX XXXX, XXXX ) rather than the original credit account opening dates. 

Reporting monthly charge-off statuses post-acquisition without any revived payment activity thus manufacturing a false delinquency timeline. 

Experian, Equifax, and TransUnion have failed to correct or delete these accounts despite previous disputes and legal documentation, thereby violating their duty under FCRA XXXX ( a ) and Florida Statutes XXXX and XXXX. 

Prior Investigations Failed to Remedy Violations : Despite several rounds of dispute letters and comprehensive evidence submitted between XX/XX/XXXX and XX/XX/XXXX, these accounts remain active with : No investigation outcome disclosures. 

No deletion or adjustment for disputed inaccuracies. 

Communications from the CRAs appear to rely on boilerplate responses from furnishers, without conducting meaningful reinvestigations contrary to XXXX XXXX XXXX XXXX XXXX.. 

Legal Oversight and Regulatory Involvement : I have formally contacted the Florida Attorney Generals office, which has acknowledged receipt of the complaint and documentation. 

My new FCRA attorney has been provided with : All account statements, Validation responses, XXXX investigation correspondence, Metro 2 analysis and system coding inconsistencies, Proof of XXXX XXXX suppression via unlawful re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: EZ FUNDINGS Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX and I am filing this complaint on behalf of a borrower who was harmed by the actions of EZ Fundings, Inc. 

The borrower initially applied for a loan and was fully qualified. During the loan process, his credit score improved, making him eligible for significantly better terms with another lender including a lower interest rate, reduced mortgage insurance, and down payment assistance. 

I attempted to transfer the loan back to the original lender ( PRMG ), which had already conditionally approved the loan and offered these more favorable terms. However, management at EZ Fundings refused to allow the transfer, stating explicitly that their business relationship with XXXXXXXX XXXX was more important than offering the borrower a better loan. 

When I raised concerns about this being a potential violation of fair lending and possibly predatory in nature, management retaliated against me. Despite the borrower still being fully qualified and the file being cleared internally, EZ Fundings canceled the loan without consent from either the borrower or myself. 

As a result : The borrower lost the opportunity for better loan terms The transaction was cancelled, and escrow was impacted The borrower potentially lost his earnesXXXX money deposit His financial interests were subordinated to corporate relationships This action reflects a breach of fair lending practices and consumer protection principles. I am requesting that the CFPB investigate this matter to ensure the borrowers rights and ethical lending standards were not violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed, as they are being inaccurately reported on my credit report. In accordance with USC 1681g, I formally request their removal within the next 15 days. Relevant documentation is enclosed for your evaluation. It is also important to note that the reported details are inconsistent and incorrect across the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I want to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to my financial stability and overall well-being, especially during an already challenging time.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
ON XX/XX/year> I SENT A DEBT VALIDATION LETTER TO XXXX XXXX XXXX  AND NAVY FEDERAL CREDIT UNION AND ONLY GOT BILL STATEMENTS SENT BACK TO ME ON XX/XX/year> I SENT A ( QWR ) QUALIFIED WRITTEN REQUEST TO NAVY FEDERAL CREDIT UNION NDER THE RESPA LAW THEY ARE LEGALLY OBLIGATED TO RESPOND AND THEY FAILED TO DO SO ON XX/XX/year> I SENT A FOLLIWING 12 USC 95a LETTER ASKING FOR FULL ACCONTING AND HOLDER IN DUE COURSE AND WET INK SIGNATURE PROMISSARY NOTE WHICH THEY DID NOT PROVIDE THEYHAVE VIOLATED THE TRUTH IN LENDING ACT AND NEGATIVE CREDIT REPORTING DEMANGING MY REPUTATION I ALSO ASK TO CEASE AND DESIST COLLECTION UNTIL THEY CAN PROVIDE PROOF OF THE DEBT AND WHERE IT ORIGANATED FROM THEY HAVE SENT PEOPLE BY MY HOUSE SNAPPING PICTURES EVERYDAY CALLING MY PHONE AFTER I SENT LETTERS IN WRITTING DEMANDING PROOF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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.

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