vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: Grow Credit Inc
State: TX

Complaint narrative:
I am writing in regard to recent entries I found on my consumer credit report from Experian. Upon reviewing the report, I noticed that your company reported late payment ( XXXX ) related to the following account ( XXXX ) : GROWCREDIT This reporting is a violation of federal consumer protection laws, specifically, under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), information that consists solely of transactions or experiences between the consumer and the person or entity furnishing the report is excluded from the definition of a consumer report and therefore should not be reported to consumer reporting agencies. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/year>, your company furnished information from Account # XXXX to my consumer report in direct violation of this statute. 
This is also a clear violation of XXXX XXXX XXXX XXXX, which govern how consumer data should be accurately and fairly reported. I am formally requesting that you provide your XXXX XXXX Compliance disclosure for reporting such transactions. 
Additionally, under 15 USC 1666b ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Capio Partners, LLC
State: FL

Complaint narrative:
ASSETCARE LLC received a refusal to pay/cease and desist letter from me dated XX/XX/2025, however as of date, XXXX XXXX XXXX has XXXX and XXXX  violated the law by continuing to report this account on my consumer report after my cease and desist. Pursuant to 15 USC 1692a Section 803 ( Definitions ) : ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Under the cease and desist, all communication should have been stopped and that mean XXXX XXXX conveying of information regarding a debt directly or indirectly to any person through any medium.... therefore this means they are not to " communicate ''XXXX conveying information regarding a debtXXXX  directly ( directed to me ) or indirectly ( via another route ) to any person through any medium ( the credit reporting agency ) is the medium.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am filing a formal dispute regarding the XXXX XXXX account ( Account ending in XXXX ) as reported on my Experian credit report dated XX/XX/XXXX. This account contains multiple factual and legal inaccuracies, and despite prior disputes with both XXXX and Experian, the inaccurate data remains, in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

I am demanding immediate deletion of this account from my credit report due to the following errors : 1. Contradictory Account Status Charge-Off vs. Paid, Closed The account is marked as both Paid, Closed and Charged-Off, which are mutually exclusive designations. 

You can not report an account as charged-off if the debt has been paid in full and the account is closed. 

This contradiction misrepresents my payment history and damages my credit standing without basis. 

Violation : FCRA 1681e ( b ) failure to maintain accurate and consistent reporting.

2. Illegal Re-Aging of Debt The account shows a delinquency progression through XXXX, culminating in a charge-off reported in XX/XX/XXXX. 

However, the report also lists a Last Payment Date of XX/XX/XXXX, and the status update was made in XX/XX/XXXX. 

This falsely implies a more recent charge-off or delinquency, thus extending the derogatory impact beyond the allowable XXXX period. 

I paid this account in full in XXXX any indication of a charge-off after that payment is false and represents an unlawful re-aging of the account. 

Violation : FCRA 605 ( c ) re-aging is prohibited. The original Date of First Delinquency ( DOFD ) in 2022 must govern reporting timelines.

Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information with actual knowledge or reckless disregard for the truth. 

XXXX. Incomplete and Inconsistent Payment History Multiple months in XXXX and XXXX are marked ND ( No Data ), yet XXXX continues to update the status in late XXXX. 

Reporting incomplete data while maintaining derogatory notations misleads any creditor, underwriter, or scoring system reviewing the file. 

Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i data furnishers and CRAs must report with maximum possible accuracy. 

XXXX. Repeated, Unresolved Disputes I have previously disputed this account with both XXXX and Experian on multiple occasions, and each time the dispute has either been ignored, verified without correction, or responded to with continued false and legally noncompliant information. 

Each failure to correct the errors after being notified constitutes willful noncompliance under : FCRA 1681n willful failure to comply FCRA 1681o negligent failure to comply FACTA and CFPB guidelines on data accuracy and consumer protection.

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 2025-06-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-19 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: RI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 reporting agency, 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 XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00}

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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I got a letter in the mail saying I owe taxes to the nyc department of finance, when I called them directly they said I don't owe nothing., when I called number for ic collections they refuse to transfer me unless I gave them personal information

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 2025-06-19 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: OH

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-06-19 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: OH

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-19 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: KY

Complaint narrative:
XXXX XXXX XXXX LVNV Funding LLC XXXX Equifax XXXX : TO : XXXX  XXXX XXXX XXXX Account XXXX : XXXX ( LVNV Funding account ) Original Creditor : Credit XXXX Bank Complaint Type : Credit Reporting Problem Identity Theft Debt Collection Harassment Failure to Validate Debt Complainant : XXXX XXXX XXXX XXXX XXXX submitting this complaint regarding inaccurate, willful noncompliance and unauthorized credit reporting by LVNV Funding LLC and XXXX. 

No Valid Contract or Authorization : LVNV Funding is reporting a debt under Account # XXXX which I never authorized or contracted for. There is no express, written, or implied agreement between me and LVNV Funding. 

Identity Theft and Unauthorized Use of Personal Information : LVNV Funding obtained my personal information through unknown third parties without my consent. I filed a police report with the XXXX Police Department on XX/XX/2025, documenting this aggravated identity theft. 

Failure to XXXX XXXX : Despite certified mail requests, LVNV Funding has refused to provide original documentation validating the debt. A billing statement is not proof of debt. 

Inaccurate Credit Reporting : XXXX XXXX XXXX have removed this account after investigation, confirming the inaccuracy. However, Equifax continues to report this account, damaging my credit and causing financial and emotional harm. 

Legal Violations : This conduct violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( XXXX ), contract law, and principles of equity. 

Harm : The false reporting has caused damage to my creditworthiness, denied credit opportunities, emotional distress, invasion of privacy, and wasted time and resources in disputing this fraudulent account. 

Desired Resolution : XXXX and permanent removal of the LVNV Funding account from Equifax credit reports. 

Investigation and enforcement against LVNV Funding and Equifax for violations of federal consumer protection laws. Appropriate civil penalties and referrals for criminal investigation due to aggravated identity theft. Full investigation and enforcement actions against LVNV Funding LLC and Equifax for willful non-compliance and aggravated identity theft. Referral for criminal prosecution of aggravated identity theft and consumer fraud. Restitution for all damages, including credit harm, financial loss, and emotional distress. 
Conclusion : I reserve all rights to pursue federal litigation and additional regulatory actions if these demands are not met promptly. Willful non-compliance with consumer protection laws will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am filing a formal complaint against debt collection agencies CREDENCE RESOURCE MANAGE, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. They are currently reporting illegitimate accounts on my consumer credit report. These are inaccurate and can not be legally verified. Their continued presence on my report is a clear violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Specifically : Under 15 U.S.C. 1692e of the FDCPA, it is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt, including reporting inaccurate or unverifiable debts to credit reporting agencies.

Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, despite my disputes, the reporting agencies and debt collectors have failed to validate the legitimacy or origin of these debts as required.

Additionally, continued reporting of these illegitimate accounts after notification of dispute and failure to verify is a direct violation of my rights and a breach of federal law.

These accounts are damaging my credit profile and financial stability. I am requesting the immediate and permanent removal of these illegitimate collection accounts from all credit reporting agencies. I also request that the CFPB intervene to hold these debt collectors and credit bureaus accountable for noncompliance with federal regulations.

Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Dakota Financial, LLC
State: TX

Complaint narrative:
Dear [ DAKOTA FIN ( Finance ) ], I am writing to formally report that my credit score has been significantly damaged due to the actions of [ DAKOTA FIN ( Finance ) ]. I believe this was done in error or due to irresponsible practices on their part.

I kindly request an immediate investigation into this matter and the correction of any inaccurate or unjust information reported under my name. This situation has negatively affected my financial standing and I am seeking a prompt resolution. 

Please let me know what documents or information you require from my side to support this claim. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ] [ XXXX ] [ XXXX ] [ XXXX / Last XXXX digits of XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a {$27.00} purchase at XXXX in XX/XX/XXXX. The cashier asked me to open up an XXXX card and read out the various perks and benefits, so I signed up. TO THIS DATE ( XX/XX/XXXX ) when I am typing this information, I DO NOT have the credit card in my possession, I NEVER received the card!!! I called and complained in XX/XX/XXXX, when I got " LATE FEES '' and LET THEM KNOW that I did NOT receive the credit card! I was passed on from XXXX person to another. This company HAS my complaints on record about me NEVER receiving the card. I have called them VARIOUS times and have even asked to shut down the card and over this course of 15 months I have paid at least $ XXXX for LATE FEES. This is unacceptable!!! WHY will they not leave me alone??? I am NOT making ANY purchases on XXXX and this can be verified, I am sure!!!!! I DO NOT want anything to do with Comenity Bank, I should infact be paid back all the late fees that has been unrightfully taken from me all this time!!! EVEN after my complaints I did not get a credit card, WHY are they after me about LATE fees? I am not a millionaire and I work hard to provide for myself, this is NOT FAIR and I need help getting this company off my back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MOHELA
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS ARE BEING REPORT INACCURATE TO MY CREDIT FILES. 

MOHELA Date Opened XX/XX/year> Balance {$1800.00} MOHELA Date Opened XX/XX/year> Balance {$3200.00} MOHELA Date Opened XX/XX/year> Balance {$3100.00} MOHELA Date Opened XX/XX/year> Balance {$1800.00} THESE ACCOUNTS ARE EITHER FRAUD ACCOUNTS OR BEING REPORTED INACCURACY.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a purchase on XX/XX/year> from an online store called XXXX. I paid {$54.00} and some change using my Chime XXXX debit card. 

I never received the item. I contacted the merchant multiple times over XXXX months and received no response. I have proof of the order and screenshots of my communication attempts. 

I filed a dispute with Chime, which originally they gave me my money back and they took it back and said they denied it. I appealed it twice and provided evidence that I never received the product. Chime still refuses to refund me, despite my rights under Regulation E, which protects consumers from fraud and non-delivered items. 

I am asking that Chime reopen my dispute or escalate the case to XXXX for chargeback consideration. I am also asking the CFPB to investigate Chimes refusal to honor my consumer rights.

Company response to consumer: Closed with explanation