vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on ( Date you sent first letter ) As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in tennessee 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX to provide the chain of title for this account. XXXX XXXX  has only sent statements. I've reached again and have received no response as this is a fraud " contract ''. XXXX XXXX XXXX XXXX should cease from collecting for this debt, cease from reporting to the credit bureaus, and discharge the debt. This is not a repeat complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX to provide the chain of title for this account. XXXX XXXX has only sent statements. I've reached again and have received no response as this is a fraud " contract ''. XXXX XXXX XXXX XXXX should cease from collecting for this debt, cease from reporting to the credit bureaus, and discharge the debt. This is not a repeat complaint.

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 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Bankruptcy in XXXX 2024. Credit card company still reporting monthly of non payment.

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 2025-08-26 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following inaccurate and misleading information reported on my credit report. I demand immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all other applicable federal and state laws governing accurate credit reporting. Each account or item is listed below with a detailed explanation of the Issue, the Law it Violates, and the Circumstances/Story surrounding the error. The stories are expanded to fully document the harm caused and provide legal context. 
XXXX XXXX, Account XXXX, High Balance : {$2400.00}, Date Opened : XX/XX/XXXX Issue : Late Payment reported inaccurately. 
Law : FCRA 1681i ( a ) ( 1 ) ( A ) Right to dispute inaccurate information ; 1681s-2 ( b ) Furnishers must correct inaccuracies.

Story : All payments for this account were made on time and in full. The reporting of a late payment is entirely inaccurate and misleading. Such misinformation negatively affects my credit score and my financial credibility. Under FCRA, any disputed information must trigger a reasonable investigation, and unverifiable inaccuracies must be corrected. I have documentation such as bank statements and receipts to substantiate timely payment. Reporting this late payment without verification violates my rights and undermines the accuracy of my credit profile, causing ongoing financial harm. 
XXXX XXXX, Account XXXX, High Balance : {$34000.00}, Date Opened : XX/XX/XXXX Issue : Collection reported inaccurately. 
Law : FCRA 1681i Right to dispute inaccurate information ; 1681s-2 Duty of furnishers to correct inaccuracies.

Story : I have never defaulted on this account, and it has been reported as a collection without proper validation. This false reporting damages my creditworthiness and misleads creditors into thinking I am delinquent. Such inaccurate collection reporting violates federal law and may constitute a basis for legal remedies, including damages for willful noncompliance. I demand immediate verification of the account, and if unverifiable, removal from my credit report. Documentation proving my account is current and in good standing is available.

I demand that all of the above items be immediately investigated, verified, and corrected or removed as required under the Fair Credit Reporting Act. Continued reporting of inaccurate, unverifiable, or misleading information is damaging, unlawful, and may subject the reporting agencies and furnishers to legal liability.

Please provide written confirmation of receipt of this dispute and a timeline for investigation and correction.

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 2025-08-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX Attn : Consumer Center XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws.

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX  XXXX Filing Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information.

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed.

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter.

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Attached is a copy of my drivers license and proof of address for identity verification. 

Sincerely, 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 2025-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Freedom Mortgage regarding their handling of my loan assumption application. Throughout this process, I have experienced repeated misrepresentation, lack of due professional care, intentional delays, and contradictory statements that have placed me in an extremely difficult position as a consumer. 

From the very beginning, Freedom Mortgage has provided me with conflicting information about my file status. I was told multiple times that my loan was in underwriting when it was not. Later, I was told my file was conditionally approved, but this was not an official underwriting decision, but merely an email with vague language. These misleading representations caused me to update sellers, incur financial and emotional stress, and make decisions based on false information. 

In addition, Freedom Mortgage has made numerous errors with my debt-to-income calculations, insurance figures, and treatment of rental income despite having all the documentation from me multiple times. Requests for documents have been duplicated weeks later, suggesting that my file was not reviewed with diligence. Each time I provided exactly what they requested, yet new and contradictory conditions appeared. 

I escalated the matter several times within Freedom Mortgage, but the lack of accountability and transparency remained. What should have been a straightforward loan assumption process has turned into months of delays, mismanagement, and what feels like intentional stalling. 

As a consumer, I believe I have been subjected to : Misrepresentation and misleading communication about my loan status. 
Negligent handling of my file, with repeated mistakes and missing information despite my full compliance. 
Unreasonable delays that appear intentional and obstructive. 
Lack of due professional care, creating unnecessary stress and jeopardizing my ability to close on a home. 

I respectfully request that the CFPB review Freedom Mortgages handling of my file and hold them accountable for these actions. No consumer should have to experience such gross mismanagement when dealing with XXXX of the largest government-backed mortgage servicers. 

Sincerely, 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 2025-08-26 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransUnion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates TransUnion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ).

The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent NOTICE OF NONCOMPLAINCE & INTENT TO FILE SUIT/COMPLAINT XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX Sent Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction XX/XX/XXXX Sent Formal Complaint Regarding FCRA and CCRAA Noncompliance XX/XX/XXXX Sent Legal Demand for Deletion FCRA Violations and Identity Theft Dispute These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures XXXX TransUnion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
TransUnions continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-26 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date : XX/XX/scrub>XXXX  Debt Collector : LVNV FUNDING LLC Debt Collector Address : XXXX XXXX XXXX XXXX SC XXXX Request for Debt Account # : XXXX To Whom It May Concern, I am responding to your contact about an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A detailed statement of the account, including an itemized breakdown of the balance, fees, interest, and payments ; Copies of any judgment, contract, or agreement bearing my signature that makes me legally obligated to pay ; Proof that you are licensed to collect debts in my state, including your license number and issuing authority. 
Until you provide the requested validation, and as required by law, you must cease all collection activity, including reporting to credit bureaus. 
Please send your response to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief