vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover bank had XXXX XXXX XXXX  serve me a court summons from a private processor. That guy hands papers to someone not living with me for something that isn't even mine. Wrong address and person. He used information outdated online to describe the guy. Name age address etc. The guy never said who he was. The processer lied on the affidavit of service. So I called XXXXXXXX XXXX XXXXXXXX  plenty of times. Of the few someone answered i gave them the file number and address but they said the rest of my information doesn't match so they can't and won't talk to me. Hello right there says wrong person. They refused to dismiss the case or put in the file wrong person or anything. I went to court once and find out they didn't show because they didn't get my intention to defend. Aka I have to many lawsuits to attend because they sue too many for bogus debt. So they were granted another hearing which won't happen till XX/XX/year>. I already missed work for the first one and again in XXXX. They served me wrong the first time because I was out of town I couldn't even say you have the wrong person. The guy at my house was visiting taking care of my dogs. They didn't even ask the courts for a substitute service. Which is required in XXXX  to serve others papers. So I had to file a motion to dismiss but I'll still have to waste my time in court for debt that isn't mine. They were hoping to get a default judgment but didn't happen. Please get them to dismiss and find the correct person. I have a popular name they didn't even get my middle initial correct. My information online gets crossed all the time with others it's annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello! I got an annual copy of my credit report and I see several addresses that are not mine. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX and before that I lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am submitting this dispute because my consumer credit report contains inaccurate addresses listed under my personal information. These addresses do not belong to me and are incorrect, which raises concerns about the accuracy and integrity of my credit file. Having inaccurate addresses associated with my report could potentially indicate errors or unauthorized activity, and may negatively affect my credit profile. I am requesting that these inaccurate addresses be promptly removed to ensure that my credit report accurately reflects only my true and current personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Im have different loan company calling me to make payment on a loan I did not have with them .. my information is in the market place because of the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-04 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently listed on my credit report. The account in question is reported by Direc Management Inc with an original creditor listed as XXXX XXXX XXXX, for a balance of {$1100.00}, opened on XX/XX/year>. 

I have no knowledge of this debt and have never received any bills, notices, or communication related to this account. I believe this account may have been reported in error or could be the result of mistaken identity or inaccurate billing.

I respectfully request the following : Immediate removal of this collection from my credit report if it can not be verified as accurate.

Validation of the debt, including all supporting documentation that proves this debt belongs to me. 

As required under the Fair Credit Reporting Act ( FCRA ), please investigate this matter and provide a response in writing within 30 days of receiving this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NJ

Complaint narrative:
I am disputing the reporting of a Castle Credit Co Holdings account on my XXXX credit report. 

On XX/XX/2025XXXX XXXX issued a completed investigation showing the account as Pays As Agreed, {$0.00} balance, {$0.00} past due. However, on XX/XX/2025, XXXX updated the same account to show {$7100.00} past due, charge-off status, and multiple derogatory marks. 

I was never notified in writing within 5 business days of this change, which violates FCRA 1681i ( a ) ( 5 ) ( B ).

The account is also reported inaccurately under FCRA 1681e ( b ) because Equifax has reported contradictory balances ( {$0.00} vs. {$7100.00} ) and statuses ( Pays As Agreed vs. Charge-off ) within weeks of each other.

Furthermore, Castle Credit provided contracts written in XXXX, a language I do not understand, without English translation, raising serious questions about informed consent and whether the debt is valid or legally enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Regarding my complaint # XXXX filed on XX/XX/year> LexisNexis is using a stall tactic to delay, asking me to authenticate my identity. They have my ID on file for many months now and I submitted my ID to you along with my complaint. I am now on indefinite hold trying to authenticate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am filing a complaint against Hunter Warfield and Resident Advocate regarding an alleged {$1400.00} apartment debt from XXXX XXXX XXXX XXXXXXXX in Texas. 

On XX/XX/2025, I disputed this debt directly with Resident Advocate in writing, citing Texas Property Code 92.104, which requires landlords to provide itemized proof of damages. They provided no proof.

I also have time-stamped move-in and move-out photos showing the unit was left in good condition, disproving liability.

Despite this, the debt was transferred to Hunter Warfield. On XX/XX/2025, I sent them a written notice ( email ) formally disputing the debt, citing FDCPA 1692g ( b ), demanding validation, and instructing them to cease collection until proof was provided.

Since then, I have repeatedly notified both entities in writing and by phone that they may not contact me without proof. I explicitly warned them that any contact without proof would be treated as harassment and a violation of federal and Texas law. 

Despite this, Hunter Warfield has continued to contact me by email and phone without ever providing validation or proof of the alleged debt. I documented one such attempt on XX/XX/2025, after they emailed me again despite prior notices. 

This repeated contact without validation violates the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Texas Debt Collection Act ( TDCA ). 

I am requesting that the CFPB require Hunter Warfield to : Cease all collection efforts immediately. 

Provide full validation of the debt ( if it exists ) before any further collection attempts. 

Remove or refrain from reporting this alleged debt to credit bureaus. 

Address their repeated harassment and disregard for consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/year> XXXX. Reference my XX/XX/year> XXXX COMPLAINT AND TD BABKs RESPONSE to failing to report to XXXX and XXXX  including incomplete and inconsistent information, XXXX, agreeing to submit. 
2. Inconsistent and incomplete reporting has continued.

A. Balance, PAYMENT AMOUNT, POST PAYMENT BALANCE, etcetera. One Example included, with voluminous file, will provide upon request. 
B. Again, pursuant to my Dispute with XXXX, requesting accurate, complete, consistent financial reporting, I no longer appear, and XXXX MISREPORTS, NO OPEN ACCOUNTS.

C. TD BANK AGREED TO REPORT TO ALL THREE BUREAUS in their XX/XX/year> response to my XX/XX/year> XXXX COMPLAINT. TD BANK FAILED TO MEET THEIR OBLIGATION AND DUTY TO PERFORM, per FCRA, and as written, referenced herein, and is omitted from XXXX FOR SEVERAL MONTHS IN XXXX XXXXequiring score recalculation retroactive to complete and accurate requirements of Financial payment reporting, to all three Bureaus, particularly XXXX XXXX XXXX most frequently used, with the IMMEDIATE CORRECTIONS ADDED, etcetera. Screenshots enclosed. Reference documents in your possession. 
XXXX XXXX  INCONSISTENT SCORE, with XXXX XXXX XXXX XXXX rejection letter, citing score LOWER THAN FICO SCORES ON TD BANK APP. Screenshot Enclosed screenshots : XXXX XXXX XX/XX/year> REJECTION LETTER, including reason, NO OPEN ACCTS, and a with LOWER SCORE than appears on TD Bank APP FICO. 
FACT : I had XXXX XXXX CREDIT CARD TWICE BEFORE : One card, PD IN FULL, ON TIME, CLOSED BY ME, SECOND CARD CLOSED DUE TO NON USAGE. 
3. EX., TD BANK MISREPORTS BALANCE, with a figure, not seen anywhere ; PAYMENT DATE, XX/XX/year>, when ATM CASH PMT ACCEPTED BY TELLER, is XX/XX/year>. Screenshot enclosed, incl statements. A 4. TD BANK MISREPORTS and falsely reports, I DISAGREE WITH DISPUTE, and made no response to TD BANK NOR CFPB OF MY OPINION REGARDING THEIR RESPONSE, decisions, XXXX. NO BALANCE, NO PMT AMOUNT ; NO POST PMT BALANCE REPORTED. 
XXXX. Prior to my XX/XX/year> FCRP COMPLAINT, The two requests for TD BANKs reasons for ceasing to report, including requiring TD REPORT, produced NO RESPONSE FROM XXXX, and a DISPUTE FORM TO SUBMIT TO TD BANK. Only. No answers. 
XXXX XXXX 
Dictated draft format not read.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Rausch Sturm LLP
State: MI

Complaint narrative:
In XXXX a judgement was filed against me for a XXXX Bank Credit card in XXXX XXXX XXXX. XXXX XXXX XXXX received a judgement. I have been paying {$100.00} to them monthly since XXXX until Present XX/XX/XXXX. I have always had access to an online portal to pay my payments. On XX/XX/XXXX I l attempted to log into my account to make a payment and was unable to do so. A message appeared saying there was a problem with my account and I needed to contact customer service. 
By Phone XXXX Hours of Operation ( CST ) XXXX XXXX Friday XXXX I tried calling the number on Friday XX/XX/XXXX, but no one answered. I then filled out a customer form on their website stating that their was a problem accessing my online account and to contact me. ON Saturday XX/XX/XXXX I received an email response XXXX XXXX XXXX XX/XX/XXXX, XXXX ( 5 days ago ) to me Hello, I am in receipt of your email inquiry. I am unsure as to why you are unable to access the portal. You are more than welcome to reach out to us on Tuesday at XXXX for further assistance. 



Thanks! 

XXXX XXXX, Collections XXXX XXXX | XXXX I tried calling the number provided by XXXX XXXX numerous times on Tuesday XX/XX/XXXX, Wednesday XX/XX/XXXX, and Thursday XX/XX/XXXX with no success. I also left messages asking to be contacted stating that there was an issue with my account and that I wanted to make my payment But, have received no response. After not receiving a response I emailed XXXX XXXX on Wednesday XX/XX/XXXX inquiring about my account and wanting to make a payment. I have not received a response. I am not sure what else to do at this point. I have done everything I can to make a payment and keep my account current and up to date. I even called the XXXX XXXX XXXX to see if there was anything else I could do or if I could contact someone else. At this point I am filing a complaint in the hopes that someone from XXXX XXXX will contact me to let me know what is going on with my account and allow me to make my monthly payment, that I have made for the last XXXX years until the XX/XX/XXXX payment when I could not access my account. 

Thank you for your attention to this matter. 

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 2025-09-04 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: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation