vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion regarding multiple inaccurate late-payment notations and incomplete payment-history data. Despite my dispute, TransUnion continues to report late payments that are not supported by the payment history and/or are otherwise unverifiable. 

Accounts at issue XXXX XXXX Acct XXXX Reported late : XX/XX/XXXX XXXX Acct XXXX Reported late : XX/XX/XXXX XXXX Acct XXXX Reported late : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Acct ending XXXX Reported late : XX/XX/XXXX My payment history reflects OK ( on time ) for the periods in question, yet TransUnion is reporting derogatory late-payment marks. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1666b, creditors may not assess late fees or report late payments unless proper billing/notice was provided in the required timeframe.

These entries are inaccurate, incomplete, and/or unverifiable

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Disputes was mail out to all three bureau on XX/XX/year> Account wasnt verification correct And prof thats items was disputes XXXX XXXX XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kovo
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX Tx XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Kovo ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : Request for Removal of Late Payment from Credit Report Under FCRA Dear [ Kovo ], I hope this letter finds you well. I am writing regarding my account, [ XXXX ], which currently reflects late payments on my credit report for the months of [ XX/XX/year> ]. While I take full responsibility for the late payments, I am reaching out in hopes of resolving this matter. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. I recognize that these late payments were accurate at the time ; however, I have since made efforts to correct my account standing and have ensured all payments are now timely. 
I would like to respectfully request that you consider removing the late payments from my credit report as a goodwill gesture. Given my improved payment history and commitment to maintaining a positive credit relationship with [ Kovo ], I believe this adjustment would reflect the responsible financial behavior I am currently practicing. 
Additionally, the FCRA provides consumers with the right to dispute information they believe is outdated or damaging to their credit report, particularly if it no longer accurately reflects their current financial situation. In the spirit of this regulation, I hope you will consider my request to update the status of my account and remove the late payments in order to help me repair my credit standing. 
I am committed to maintaining a positive relationship with [ Kovo ] moving forward, and I believe this adjustment would be mutually beneficial. I greatly appreciate your time and consideration of this request and look forward to your response. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: GA

Complaint narrative:
XXXX XXXX / Tek Collect Subject : Debt Collection Complaint Failure to Provide Contractual Proof Summary : I am submitting this complaint regarding Tek Collect, a debt collection agency that has contacted me about an alleged debt. Despite multiple requests, they have failed to provide any documentation verifying the debt, including a copy of the original contract bearing my signature. 

I formally requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including : A copy of the original signed agreement An itemized breakdown of the debt Proof of their legal authority to collect Tek Collect has continued collection efforts without providing this documentation. This behavior appears to violate FDCPA guidelines and has caused undue stress and confusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MA

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AZ

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Re : Formal Dispute of Unverified Debt Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a student loan allegedly serviced by Nelnet and connected to XXXX XXXX, XXXX, XXXX. This account is currently listed on my credit report but has not been properly validated. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate any disputed entry and remove it if it can not be fully verified. 

This loan is also subject to an ongoing class-action lawsuit against Nelnet and protections under the Borrower Defense to Repayment program, given XXXX XXXX documented fraudulent and misleading practices regarding accreditation, educational services, and job placement outcomes. Because of this, the alleged debt is legally disputed and may not be collectible. 

I therefore request that your bureau : 1. Immediately mark this account as disputed ; 2. Investigate and provide proof of validation for this alleged debt, including documentation from the original creditor ; 3. Permanently delete this entry if validation can not be provided ; 4. Provide written confirmation of the outcome of your investigation within 30 days of receipt, as required by law. 

Failure to comply with the FCRA may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Please provide written confirmation to me once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company closed my account with calling and letting me know because they said my account was suspicious even though my payment went thru

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding multiple inaccurate and unlawful accounts being reported on my credit file. These accounts are severely damaging my creditworthiness, and I demand immediate investigation and enforcement action. 

Disputed Accounts : XXXX Account XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Status : Charge Off Issue : This account is inaccurately reported as a charge-off. No proper validation of debt has been provided to me, and under 15 U.S.C. 1681i, the credit bureaus must verify accuracy or delete the entry. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Collection Issue : This account appears fraudulent and incorrectly dated. It shows an opened date in the future ( XX/XX/XXXX ), which is impossible. This is a blatant violation of FCRA 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ). Reporting a future-dated account is misleading and deceptive. 

XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Status : Collection Issue : This debt has not been validated as required by FDCPA XXXX5 U.S.C. 1692g ( b ). I requested proof of this debt but never received verification. Continuing to report this account without validation is unlawful. 

Summary of Violations : Failure to ensure maximum accuracy in reporting ( FCRA 1681e ( b ) ).

Failure to properly validate debts ( FDCPA 1692g ).

Reporting future-dated or impossible accounts, which is misleading and harmful. 

Failure to conduct proper reinvestigation upon dispute ( FCRA 1681i ). 

Requested Relief : I respectfully request CFPBs intervention to : Conduct a full investigation into these accounts. 

Require the credit reporting agencies and furnishers to provide strict proof of the alleged debts. 

Delete any unverifiable, inaccurate, or unlawful tradelines from my credit reports immediately. 

Impose penalties and enforcement actions against the furnishers for violating consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV Funding LLC [ Address Listed on Collection Notice ] Re : Account/Reference # : XXXX | Reported Balance : {$410.00} FORMAL DISPUTE & DEMAND FOR VALIDATION / CEASE & DESIST To Whom It May Concern : This letter is to place you on notice that I am formally disputing the alleged debt referenced above. Additionally, this is a cease and desist order under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

XXXX. XXXX XXXX of Non-Compliance LVNV is well-known for attempting to satisfy consumer requests for validation by merely sending a bill or a statement. Be advised : A bill is NOT validation under federal law. 

The law requires competent evidence that this alleged debt is valid, enforceable, and that you have legal standing to collect. 

2. Full Documentation Required To properly validate this alleged debt, I demand that you provide : A complete copy of the original signed contract or agreement bearing my signature. 

Documentation of the full chain of title/assignment from the original creditor to LVNV, showing you have legal right to collect. 

A detailed accounting of the amount claimed, including all fees, interest, and charges, with proof of their legality. 

The name and address of the original creditor, as well as any intermediary debt buyers or assignees. 

Failure to produce all requested documentation will prove that LVNV has no legal right to report or collect on this alleged debt. 

3. Consequences of Non-Compliance If you fail to provide complete validation, any further reporting to the credit bureaus will constitute willful violations of the FCRA and FDCPA, defamation of character, and possible fraud. 

Any continued collection efforts without proper validation will be documented as harassment and reported to the CFPB, FTC, Arizona Attorney General, and my legal counsel for review. 

4. Cease & Desist Effective immediately, you are ordered to cease all collection activity, phone calls, and correspondence unless it is to provide full and proper validation as demanded above. 

You are on notice : this is your final opportunity to act lawfully. Provide all documents requested or remove this account from my profile immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
" Create a follow-up letter under the FCRA to [ CRA ] after they claimed an account was verified. Demand the method of verification, the name and contact info of the data furnisher, and proof of investigation. Include language stating failure to provide verification XXXX 15 USC 1681i. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had an auto loan with Ally, and the vehicle was totaled in an accident a few months ago. The loan included gap insurance that was supposed to cover the remaining balance after the insurance payout. However, the gap coverage did not fully cover the balance, and Ally never communicated clearly about what was or was not covered. Instead of resolving the matter, they sent the remaining balance to collections. This feels unfair and damaging, since I relied on the gap insurance to protect me in this exact situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
I found that Jefferson Capital SYST is reporting an account that does not belong to me. I disputed this with the credit bureaus, but the company verified the account without providing any supporting documentation or proof of a valid contract bearing my signature. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information, and under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation upon request. This company has failed to comply with these requirements and continues to damage my credit with inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report also to remove this charge off. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation