vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV FUNDING LLC : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. 
Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the * * * * * * 1692 ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all * * * * * * * * * * * * * * * * * * reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
NATIONAL CREDIT ADJUSTis falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the inaccurate reporting on my credit file regarding an auto loan account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account was charged off more than two years ago and has already been marked as a profit and loss write-off by your institution. However, despite the charge-off status, the account is still being reported as open and is currently showing continuous late XXXX in totalfor XXXX, XXXX, and even this year ( XXXX ). This reporting is factually and legally incorrect and is a direct violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These violations include but are not limited to : FCRA 623 ( a ) ( 2 ) : Furnishers are required to update and correct any information that is determined to be inaccurate or incomplete.

FCRA 623 ( a ) ( 5 ) : If an account is being reported as charged off, it must be reflected accurately, including being marked as closed and not accruing new delinquencies.

FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

FDCPA violations may also apply if this false reporting constitutes continued collection activity under a false representation of the debt 's status.

You can not legally continue to report monthly late payments on an account that has been charged off and closed, especially when no valid billing statements or notices are being issued to me, and no further payments are contractually due. This behavior appears to be intentionally damaging my credit and misrepresenting the legal standing of the account.

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 2025-07-10 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: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
* * Portfolio Recovery Associates * * XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern, This letter is a formal request for verification and validation of a debt you claim I owe, pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). 

I am formally requesting that you * * provide all documentation related to this account * *, including but not limited to : * The * * original signed contract * * or agreement bearing my wet signature; * A full itemized breakdown of the charges and how the amount was calculated ; * Proof of your legal authority to collect on this alleged debt; * Name and address of the original creditor and all account numbers associated. 

I am requesting that this information be Mailed to me and also emailed to XXXX * *. Until proper validation is received, you must * * cease collection activities * * and * * stop reporting this account to any credit bureau * * in accordance with the FCRA and FDCPA. 

If you are unable to provide the requested information, the item must be removed from all credit reporting agencies immediately. 

This is a good faith attempt to resolve this matter. Please respond within 30 days. 

sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
In XXXX, I executed a mortgage loan with an original principal of {$440000.00}. The loan includes a prepayment addendum stating I may prepay up to 20 % of the original balance in any 12-month period without penalty during the first 36 months. It also states that if I prepay more than 20 %, I must pay a 5 % charge only on the amount exceeding 20 % of the original balance. 

On XXXX, I requested a full payoff statement. The payout provided by the servicer included a 5 % penalty on the entire principal balance, rather than only on the excess above the 20 % threshold. 

Based strictly on the clear language of the addendum, the penalty should apply only to the amount exceeding 20 %, not to the full principal. The contract does not state that the penalty applies to the full balance. I request the CFPB 's assistance in obtaining : A corrected payoff statement reflecting the proper calculation ( 5 % only on the excess above 20 % ). 

Written confirmation that the prepayment charge will adhere to the contracts terms. 

Thank you for your assistance in ensuring the servicer honors the agreement accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
On XX/XX/2025, I submitted a dispute to Experian regarding multiple charge-off accounts listed on my credit report. In each case, I stated that the creditor had not provided a 1099-C form, which is required by IRS law for canceled debts over {$600.00}. I requested verification of the debts and their reporting accuracy. However, Experian responded by marking each dispute as updated without providing any actual verification or explanation. This response is inadequate and fails to meet the Fair Credit Reporting Acts requirement for a reasonable investigation. I am requesting that the CFPB intervene and ensure these accounts are either properly validated or removed from my credit report. 

XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  Account XXXX XXXX  XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint is regarding an account with American Express ending in XXXX, which was settled in full for {$4800.00} in XX/XX/year>. The settlement was offered with the clear assurance that once payment was made, the account would be closed and no derogatory reporting would remain on my credit profile. This assurance was made directly by an AMEX representative during an official call that was recorded for quality and compliance purposes. 

I fulfilled all terms of the settlement in full and in good faith. Despite this, the account is still being reported with a charge-off and negative payment history, damaging my credit standing and violating the spirit of the agreement. 

This constitutes a deceptive and unfair practice in violation of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) settlement standards. American Express induced payment based on the understanding that I would be made whole including the removal of negative credit reporting. They are now using the very account they settled to continue punishing the consumer who complied in good faith. 

I am demanding the following actions be taken immediately : Full removal of all derogatory information related to this account across all credit bureaus An update reflecting either a positive closure status or complete deletion of the tradeline Review of AMEXs internal settlement practices and corrective measures by CFPB This inaccurate and misleading credit reporting continues to harm my financial standing despite my full compliance and resolution. It must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: DE

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX XXXX in XXXX Florida on XX/XX/XXXX. Total vehicle rental was {$210.00} and there was a {$200.00} deposit in the event Something happened to the vehicle or if I had any toll violations. The car was returned on XX/XX/XXXX in the same exact condition and same exact gas and with zero moving violations are toll violations. The {$200.00} deposit was never supposed to be charged and should have been fully refunded within the 10 day window according to XXXX XXXX, customer service department. All of this can be read in the email between myself XXXX XXXX and Avant that is attached. Since green motion learned that I was disputing the charge. They now refuse to refund the {$200.00} deposit. My credit card company wont do anything and I am now being charged interest on this money. I called Avant and I placed a formal dispute over the phone. Three weeks later my credit card company sent me a letter in the mail stating that additional information was needed for my dispute to continue and is due the very next day! I paid an additional {$27.00} fee to fax these documents to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
Despite receiving my formal identity theft dispute on XX/XX/XXXX, XXXXincluding my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a list of fraudulent itemsthey have failed to comply with federal law. Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act, they were legally required to block and delete all identity theft-related accounts and inquiries within 4 business days. Their continued reporting of these items beyond the deadline is a willful violation of the FCRA and constitutes negligent noncompliance under 15 U.S.C. 1681n and 1681o. They have no legal basis to continue publishing this fraudulent data.

PLEASE SEE ATTACHMENTS BELOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
Dispute of Inaccurate Late Payment Reporting - Request for Investigation I am disputing a late payment reported by the following creditor : * * Creditor : * * XXXX XXXX XXXX XXXX * * Account Type : * * Secured Credit Card * * Reported Late Payment Date : * * XX/XX/year> * * Credit Bureaus Affected : * * Equifax, TransUnion I believe this late payment was reported in error. I made a payment in good faith and believe the timing or processing of the payment may have led to a misreport. This single 30-day late mark is significantly damaging my credit despite my otherwise consistent payment behavior. I was not notified or warned prior to the negative 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
The companies failed to perform a proper investigation for the negative information on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
The companies failed to perform a proper investigation for the negative information on my credit profile

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.ARCHILDSUPPT XXXX XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00}

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate Customer service and unfair practices, which violate the Consumer Financial Protection Act CFPA Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I dispute the following fraudulent accounts that appear on my credit reports, despite being unauthorized : XXXX XXXX ( Acct # XXXX ) Charged-off balance {$2400.00} XXXX ( Acct # ) Charged-off {$9300.00} XXXX XXXX XXXX XXXX ( Acct # ) Charged-off {$5000.00} XXXX ( Acct # ) Charged-off {$5600.00} These accounts were opened and used without my consent. I have already disputed with each credit bureau and provided proof of identity theft ( police report, FTC Identity Theft Affidavit, stolen-ID documentation ). Despite this, the entries remain on my files and are harming my credit. 

Under the Fair Credit Reporting Act, I ask that you investigate and order all three nationwide CRAs ( Equifax, Experian, TransUnion ) to delete these fraudulent tradelines immediately. I have enclosed copies of my FTC Affidavit, police report, and correspondence with each bureau. Please confirm receipt and advise me of the outcome. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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