vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, Subject : Request for Original Promissory Note or Removal of Accounts from Consumer Report This letter is a formal request regarding the student loan debts ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debts ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Exeter Finance LLC has reported inaccurate and retroactively altered payment history on my XXXX XXXX XXXX auto loan to XXXX  and XXXX. The changes including a XXXX late entry for XX/XX/XXXX appeared years after the alleged delinquency, despite no contemporaneous reporting at the time. 

Details : I have not yet filed disputes with XXXX  or XXXX, but I am preparing to do so immediately. I am filing this CFPB complaint in advance because Exeter has threatened repossession without providing any documentation substantiating the alleged lates and before affording me a reasonable opportunity to resolve the reporting errors.

Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 historical accuracy standards, furnishers must report information accurately and maintain historical accuracy for the life of the tradeline. Retroactive changes without contemporaneous documentation are prohibited.

Under Arizona Revised Statutes 47-9609, a creditor may not repossess a vehicle in a manner constituting a breach of the peace. Continuing to pursue repossession while the account is in formal dispute, without producing evidence of the alleged default, risks such a violation.

Under UCC 9-609 and UCC 9-611 , repossession must be preceded by proper notice and an opportunity to cure, neither of which have been provided in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: SC

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-14 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: NY

Complaint narrative:
I am filing this complaint against Experian for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with an identity theft dispute I submitted on XX/XX/year>. Despite providing Experian with a complete FTC Identity Theft Report, proof of identity, proof of address, and signed statements under penalty of perjury, Experian has failed to block or delete multiple fraudulent accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit file as required under FCRA 605B. These accounts were confirmed by the original creditors as being opened fraudulently, yet Experian has not removed them within the four business days mandated by law, nor have they provided the results of a proper reinvestigation under FCRA 611 ( a ). Their failure to act has caused significant financial and emotional harm, including credit denials and reputational damage.

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 2025-08-14 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: IL

Complaint narrative:
I have been a victim of Identity Theft and the XXXX  XXXX XXXX many accounts have been opened illegally in my name also many inquiry attempts have been made to open accounts in my name. I have tried fixing this problem with TransUnion and TransUnion has done nothing. Please help me remove all these illegal inquiries effective immediately I have attached police reports and Identify theft reports with ftc. Inquiries are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-14 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: GA

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. 

DPT ED/XXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-08-14 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
Affrim with account number XXXX XXXX is reporting on my credit report. This account was charged off to XXXX XXXX  or XXXX XXXX  with the address of XXXX XXXX XXXX XXXX XXXX New York, NY XXXX in the amount of {$670.00}. according to the XXXX consumer access the collection agency, XXXX XXXX  or XXXX XXXX  is not licensed in the state of Louisiana in which I live. This trade line is invalid. I have attached proof of my claim a copy of the collection agency from the affirm website. according to the FCRA, a collection company has to be licensed in the state in which they are collecting. This account does not belong to Affirm it was sold to XXXX XXXX  or XXXX XXXX.This account is only reporting on my XXXX  credit report according to XXXX XXXX  is not licensed in the state of Louisiana in which live yo report negative items on my consumer report. XXXX  is only licensed in the state of Maine and Maryland. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
I ordered a software online using my cash app card from a company supposedly located in Florida. They robbed me of {$62.00}, took my money, and blocked me. Cash app says its an authorized charge, and wont refund my money. The scammer wins. I got robbed in broad daylight. Technically its my fault because I thought I was getting something specific. I didnt get what I paid for at all. Its just malware. It destroyed my computer. Cash app will not have your back when THEFT OF SERVICES happens to you. They dont care about you or your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX High Balance {$10000.00} XXXX  XXXX XXXX BALANCED {$3000.00} XXXX  XXXX High Balance {$0.00} XXXX XXXX XXXX XXXX High Balance {$37000.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information appearing on my credit reports from all three nationwide credit reporting agencies, dated XX/XX/XXXX. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these agencies have reported multiple errors, including incorrect personal information, outdated addresses, inconsistent account data, and unauthorized hard inquiries.

The issues include : 1. Incorrect Personal Information Name variations not my legal name : XXXX XXXX XXXX and XXXX XXXX ( missing last name ). 
Outdated addresses : XXXX XXXX XXXX, XXXX NC XXXX and XXXX XXXX XXXX, XXXX NC XXXX no active accounts linked. 
FCRA Violations : 609 ( a ) ( 1 ), 611 2. Negative and Potentially Inaccurate Accounts XXXX XXXX reporting with inconsistent balances and dates ; possible re-aging. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX with illegal monthly CO updates and inconsistent dates. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX XXXX  Conflicting status ( Paid in full less than full balance vs Charge-off ). ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX Late payment history inconsistent across bureaus ; unverifiable. ( 611 ( a ), 623 ( b ) ) XXXXXXXX XXXX XXXX XXXXXXXX / XXXX Multiple student loans with no signed Master Promissory Note ( MPN ) or proof of chain of custody ; unverifiable balances. ( 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conflicting statuses across bureaus ; unverifiable. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX Inaccurate late payment ( XX/XX/XXXX days ) for short-term loan ; possible Statute of Limitations violation. ( 605 ( a ), 623 ( a ) ( 1 ) ( A ) ) 3. Reporting Discrepancies XXXX  XXXX ( Multiple Cards ) Incomplete bureau reporting ; missing data violates accuracy requirement. ( 623 ( a ) ( 1 ) ( A ) ) REGIONAL FINANCE Closure date discrepancy across bureaus. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX ( Older Loans ) Accounts from XXXX still showing XXXX update dates ; possible re-aging. ( 605 ( a ) ) 4. Unauthorized Hard Inquiries I did not authorize these creditors to access my credit file. Reporting them violates FCRA 604 ( a ) 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Date ] To : LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Debt Validation & CFPB Complaint Multiple Accounts Account # XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  Balance : {$57.00} Account # XXXX Original Creditor : XXXX XXXX XXXX  XXXX. Balance : {$800.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced accounts. This is not a refusal to pay but a lawful request for complete debt validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ).

Until you provide full and competent validation for each account listed above, you must immediately cease all collection activities, including but not limited to phone calls, text messages, emails, workplace contact, and reporting to any consumer reporting agency ( FDCPA 805 ( c ) ). For each account, I demand the following : 1. Assignment contract
or full chain of assignment from the original creditor to LVNV Funding LLC.

2. Bill of sale from the original creditor with identifying account details.

3. Account-level documentation, including but not limited to the signed contract, monthly statements, and charge-off details.

4. Proof of licensing and bonding authorizing LVNV Funding LLC to collect in the Commonwealth of Pennsylvania.

5. Full breakdown of the alleged balance, showing principal, interest, fees, and any other charges.

Reporting or attempting to collect on an unvalidated debt violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ). If you can not produce the above documentation within the time allowed by law, you must : Immediately remove all information related to these accounts from all consumer reporting agencies ; Provide written confirmation of deletion ; and Refrain from selling, transferring, or reassigning these accounts to any other entity.

This matter is also being filed as a formal complaint with the Consumer Financial Protection Bureau for investigation. My requested resolution is : Permanent deletion of all LVNV Funding LLC accounts from all credit reports ; Written confirmation of said deletion ; Prohibition against future collection or resale. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Equifax And Transunion 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX High Balance : {$27000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$670.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX  Balance : {$40000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$4600.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
am disputing a medical debt reported by Apex Asset Management. The account shows a balance of {$2000.00} and was placed for collection on XX/XX/year>. I never authorized this debt to be reported, and the collector has not provided any documentation proving that I owe this debt. I requested an itemized statement of charges and a copy of the original agreement, but Apex has failed to provide this information. I also have concerns about compliance with HIPAA and whether the debt was properly authorized for reporting. Despite my dispute, the account remains on my credit report, and the balance and status are being reported inaccurately. I request that this account be removed unless verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I am entitled to a reinvestigation of my dispute within 30 days. During this process, any unverifiable or inaccurate information must be eliminated from my credit report.

I expect a prompt and thorough response, including all evidence and documentation used during your investigation.

This communication serves as my formal demand that unverified and disputed information regarding this account be expunged if proof of accuracy can not be provided within the legal timeframe. 
Failure to comply violates my rights under federal law, and I will pursue all necessary remedies should my dispute not be resolved promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I am entitled to a reinvestigation of my dispute within 30 days. During this process, any unverifiable or inaccurate information must be eliminated from my credit report.

I expect a prompt and thorough response, including all evidence and documentation used during your investigation.

This communication serves as my formal demand that unverified and disputed information regarding this account be expunged if proof of accuracy can not be provided within the legal timeframe.

Failure to comply violates my rights under federal law, and I will pursue all necessary remedies should my dispute not be resolved promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 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