vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, RE : Request for Validation of Debt pursuant to FDCPA 809 ( b ) Account : Credence Resource Management {$400.00} To Whom It May Concern, I am writing in response to your recent attempt to collect a debt from me. This letter is a formal dispute of the debt and a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 

As required by federal law, I am requesting the following : Proof that the alleged debt is mine A copy of the original signed agreement or contract A full itemized breakdown of the debt, including the original amount, interest, fees, and how the total balance was calculated The name and address of the original creditor Be advised that until you provide proper validation of this debt, you are not permitted to pursue collection activityincluding reporting it to any credit bureaus, calling me, or sending further letters. 

If you are currently reporting this debt to any credit reporting agency, you must mark the account as " disputed '' in accordance with the FCRA. Failure to comply with these requests may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or civil action for violating my consumer rights. 

I expect your full response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
Experience, & equifax is reporting false late payments on my report. I have an XXXX XXXX account that was close on XX/XX/XXXX Name of the company is XXXX For the amount of {$27000.00}. It shows I have XXXX missed payments. I have never been late or delinquent. I have yet to received proof of the late payments. Equifax refuses to delete or remove the late payments for the year of ( XXXX in XXXX, ) ( XXXX in XXXX, XXXX, XXXX & XXXX ). ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) ( XXXX in XXXX ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) Theres a close account called XXXX XXXX XXXX for the amount of {$5000.00} that was close on XX/XX/XXXX. Experian and Equifax is reporting false account! That is not my account I have no knowledge of that account. This has cause me emotional distress Ive tried numerous time to notify experian and Equifax that this is a fraud account to please remove it from my report! Account was close due to fraud. 

TransUnion and Equifax is also reporting false credit age! My credit age is between XXXX years. Equifax is showing a credit age of XXXX year & XXXX  months. TransUnion is showing a credit age of XXXX & XXXX  months.

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 2025-04-20 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: FL

Complaint narrative:
Experience, & equifax is reporting false late payments on my report. I have an XXXX XXXX account that was close on XX/XX/XXXX Name of the company is XXXX For the amount of {$27000.00}. It shows I have XXXX missed payments. I have never been late or delinquent. I have yet to received proof of the late payments. Equifax refuses to delete or remove the late payments for the year of ( XXXX in XXXX, ) ( XXXX in XXXX, XXXX, XXXX & XXXX ). ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) ( XXXX in XXXX ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) Theres a close account called XXXX XXXX XXXX for the amount of {$5000.00} that was close on XX/XX/XXXX. Experian and Equifax is reporting false account! That is not my account I have no knowledge of that account. This has cause me emotional distress Ive tried numerous time to notify experian and Equifax that this is a fraud account to please remove it from my report! Account was close due to fraud. 

TransUnion and Equifax is also reporting false credit age! My credit age is between XXXX years. Equifax is showing a credit age of XXXX year & XXXX  months. TransUnion is showing a credit age of XXXX & XXXX  months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Mercedes-Benz of XXXX and Mercedes-Benz Financial Services ( MBFS ) for : Wrongful dishonor of a valid negotiable instrument under UCC 3-104. 
Violation of UCC 3-311 ( accord and satisfaction ) by refusing a properly tendered payment in full. 
Deceptive practices under Dodd-Frank Act 1036 by misrepresenting consumer payment rights. 
1. Summary of Wrongful Conduct On XX/XX/year>, I presented a Colorado UCC-compliant Negotiable Instrument ( NI ) ( attached ) to Mercedes-Benz of XXXX as full payment for two vehicles. The XXXX  ( XXXX XXXXXXXX XXXX ) meets all requirements of UCC 3-104 and explicitly states : Final Payment in Full under UCC 3-311. 
Presentment discharges all obligations per UCC 3-603 ( a ). 
Refusal constitutes wrongful dishonor under UCC 3-502. 
Despite this, Mercedes-Benz refused acceptance without legal justification, violating : UCC 3-501 ( b ) ( 2 ) ( Duty to accept properly payable instruments ). 
UCC 3-311 ( Accord & Satisfaction upon presentment ). 
Colorado Consumer Protection Act ( 6-1-105 ) ( Unfair/deceptive practices ). 
2. Legal Violations A. Wrongful Dishonor ( UCC 3-502 ) The XXXX  was unconditionally payable on demand ( UCC 3-104 ( a ) ), yet Mercedes-Benz refused it without stating a valid reason ( e.g., fraud, alteration ). This constitutes wrongful dishonor, entitling me to damages under UCC 3-420. 
B. Violation of Accord & Satisfaction ( UCC 3-311 ) By tendering the NI as payment in full, Mercedes-Benz was required to either : Accept it as full settlement, or Return it within 90 days ( UCC 3-311 ( c ) ). 
Their refusal breaches UCC 3-311 ( a ) and voids any further claims on the debt. 
C. Deceptive Practices ( Dodd-Frank Act 1036 ) MBFS engages in unfair, deceptive, or abusive acts by : Misleading consumers about their right to tender negotiable instruments. 
Imposing unlawful blanket policies against UCC-compliant payments. 
Failing to disclose payment alternatives as required by Regulation E ( 12 CFR 1005 ). 
3. Demand for Relief I request the CFPB : Investigate MBFS for systemic UCC violations. 
Order Mercedes-Benz to accept the XXXX  as full payment and release all liens. 
Impose civil penalties under Dodd-Frank 1055 for deceptive practices. 
Provide written confirmation of corrective action. 
Attachments Copy of Negotiable Instrument ( XXXX  XXXX XXXX ). 
Proof of presentment ( e.g., certified mail receipt ). 
Any refusal notices from Mercedes-Benz .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX, PA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$220.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumberXXXX

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 2025-04-20 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request validation of the debt that you claim I owe. I received a notice regarding this debt on [ insert date of notice ], and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The original contract or agreement showing that I am obligated to pay this debt.

2. The name of the creditor to whom the debt is currently owed.

3. A detailed statement of the amount you claim I owe, including any interest or fees that have been applied.

4. Documentation of your authority to collect this debt on behalf of the original creditor.

I request that you cease any collection activities until you have provided the requested validation. Please respond to this request within 30 days.

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This narrows down to a ex partner her name is XXXX XXXX she ives in XXXX ohio known for tax fraud and stealing information stayed for 6 months with me in XXXX  pa because she was homeless I tried to help now look at me XXXX people XXXX my own kind will not my kind

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: SC

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding multiple fraudulent accounts that have appeared on my credit report as a result of identity theft. I discovered this fraudulent activity in XX/XX/XXXX and have taken the appropriate steps to report and document the incidents. However, despite filing disputes, two of the affected creditors denied my dispute claims. 

The following fraudulent accounts were opened without my knowledge or consent : 1. LVNV Funding LLC Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$810.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$480.00} XXXX. XXXX XXXX XXXX XXXX Loan or Lease ) Account Number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$6600.00} I filed disputes directly with LVNV Funding LLC and XXXX XXXXy. Both companies reviewed the disputes but unfortunately denied my claims, despite clear documentation and the fact that I was a victim of identity theft. 

These fraudulent accounts continue to damage my credit standing. I have also submitted a report through identitytheft.gov and included supporting documentation confirming the identity theft. 

I am requesting that the CFPB assist in further investigating this matter and help facilitate the removal of these fraudulent accounts and inquiries from my credit reports. 

Please let me know if any additional information is needed to proceed with this complaint. I appreciate your time and attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I am contesting the inaccuracies on my credit report as they are directly affecting my financial health and creditworthiness. Despite multiple attempts to address these issues, the same errors continue to appear. These repeated mistakes are damaging my credit score and preventing me from accessing essential financial opportunities. It is vital that these discrepancies be thoroughly reviewed and corrected immediately. 

If these issues are not resolved within an appropriate timeframe, I will take legal action for any resulting damages, including seeking compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-20 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-04-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$420.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " ED Financial/ESA '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be XXXX XXXX accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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