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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Unauthorized Credit Activity To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt/account associated with : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of this account and any debt associated with it. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communication with me, my family, my employer, or any other third parties regarding this matter. Furthermore, since this account is being reported to your bureau, you are hereby notified to : 1. Immediately cease reporting this information ; and 2. Initiate a reinvestigation of the reported item ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

If you believe this debt is valid and wish to continue reporting, I demand full validation of the debt, including : A copy of the original signed contract or agreement, A full itemized statement of the alleged debt, Evidence of the furnishers authorization to report this account, and Proof that the statute of limitations has not expired. 

Please be advised that any further attempt to report or communicate inaccurate or unverified information may be considered a willful violation of federal law. I will not hesitate to report any such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

This letter serves as legal notice. I recommend that you retain a copy for your records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage Services informed me that as long as they receive payment before the 1st of the next month, it will not be reported as late on my credit. However, a situation arose when a payment did not process, so I sent a payment by certified check, which I did on XX/XX/year>. Carrington Mortgage received the payment on XX/XX/scrub>XXXX XXXX XXXX as confirmed by certified mail, with one of their employees signing for it. They stated that since they were closed for a holiday, the payment was considered late. I emphasized that the mail date should count, but they insisted on following the processing date. Even after I provided proof from the CFPB website, they remained unresponsive. Additionally, they reported late payments on my account during the presidential disaster declaration, claiming they had the right to do so.

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: SC

Complaint narrative:
Subject : Request for Investigation of Late Payments & Update to Paid As Agreed, Never Late Dear XXXX XXXX XXXX XXXX XXXX XXXX 
I am writing to formally dispute inaccurate late payment information currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) and related statutes, I am asserting my right to maximum possible accuracy in the reporting of my credit history. I respectfully request a reinvestigation of the following account : Account Under Dispute : [ account ] Reason for Dispute : The account has not been properly verified or validated by the original creditor. I am requesting the payment history be updated to reflect : Paid As Agreed, Never Late.

Legal References Supporting This Request : 15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your agency is required to ensure the maximum possible accuracy of any item of information contained in a consumer report. Failure to verify the accuracy of late payments violates this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX This case determined that mere billing statements are not sufficient proof of late payments. Validation requires internal records, payment logs, and evidence of communication. 
15 U.S. Code 1666b Truth in Lending / Timely Credit of Payments This law prohibits creditors from reporting a payment as late if it was received in a timely manner but processed incorrectly. If the creditor can not prove proper billing practices, the reporting must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found in violation of the FCRA for continuing to report inaccurate late payments after a dispute without conducting a proper reinvestigation. The same protections apply here. 
XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  ) This case emphasized the duty of all three credit bureaus to thoroughly investigate disputed late entries and take corrective action when validation is not provided. 
XXXX  What Im Requesting : 1. A reinvestigation of the reported late payment ( s ).

2. Proof of timely processing from the creditor ( if they claim payment was late ).

3. Removal of any unverified or inaccurate late payments.

4. Update of the account status to reflect Paid As Agreed, Never Late.

5. A new copy of my credit report showing these corrections. 
XXXX  Thank you for your time and prompt attention to this matter. I look forward to a resolution within the legally required timeframe under the FCRA. 
Sincerely, [ client_first_name ] [ client_middle_name ] [ client_last_name ]

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continually reports information that I disputed that I am not responsible for. 
XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never had my own electric or gas company {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items DO NOT BELONG TO ME.

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 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 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations.

I request that all communication be in writing.

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 — Account information incorrect
Company: Village Capital & Investment LLC
State: IA

Complaint narrative:
I am disputing the reporting of an account by Village Capital & Investment that appears on my credit reports with XXXX XXXX XXXX XXXX. I have never had a mortgage or loan with this company. 

The information being reported is inconsistent across the bureaus : one report lists it as a collection account, another as transferred, and another shows delinquency status. This violates the Fair Credit Reporting Act ( FCRA ) 607, which requires maximum possible accuracy.

Furthermore, under FCRA 623 ( a ) ( 5 ), furnishers must report the correct Date of First Delinquency ( DOFD ). If the DOFD can not be verified, the account must be removed. I believe this account is either a case of mixed file or inaccurate furnishing. 
I request that this account be fully investigated and deleted from all three credit bureaus. Supporting documentation is attached to highlight the inconsistencies.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am disputing inaccurate and unverifiable negative information being reported by Equifax, Experian, and TransUnion on my credit files. 

XXXX XXXX XXXX XXXX Installment Loan Experian shows a 30-day late in XX/XX/XXXX, but both Equifax and TransUnion show the account as closed with a {$0.00} balance and otherwise positive history.

No bureau or furnisher has provided billing statements or payment application records to prove the alleged delinquency.

Under FCRA 611 ( a ) ( 5 ) and 1681s-2 ( b ), unverifiable derogatories must be deleted. Reporting an account as negative without verification is misleading and inconsistent. 

XXXX XXXX XXXX XXXX Installment Loan Experian reports a 30-day late in XX/XX/XXXX, and TransUnion shows a 30-day late in XX/XX/XXXX. 

The account is open, shows continuous on-time payments, XXXX past due balance, and Pays as Agreed status. 

Retaining old derogatory codes while simultaneously reporting the account as current and paid is contradictory under Metro 2 guidelines and violates FCRA verification requirements.

Capital One Revolving Account Experian continues to report 30- and 60-day late payments from XXXX even though all three bureaus now show the account as open, current, and with no past due balance since XXXX. 

Neither Experian nor XXXX XXXX has produced timestamped billing statements or ledgers to substantiate these late marks.

Continuing to re-report unverifiable data after disputes is willful noncompliance under FCRA 616 and 617.

Personal Information Errors My credit reports include incorrect names ( e.g., XXXX XXXX ), outdated/incorrect addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wrong employers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These errors violate FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as inaccurate personal data damages my creditworthiness.

Impact : The presence of unverifiable late payments and false personal information has already caused harm to my credit standing, reputation, and financial opportunities. 

Requested Resolution : Delete the XX/XX/XXXX XXXX XXXX XXXX late. 

Delete the XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX lates. 

Delete the XXXX XXXX XXXX 30- and 60-day lates.

Remove all incorrect personal information ( names, addresses, employers ).

Correct my credit reports so that they only reflect verified, accurate, and
compliant information in line with FCRA and Metro 2 standards.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request, pursuant to FRCA 605b ( 15 U.S.C. 1681c-2 ), that you, the XXXX XXXX XXXXXXXX XXXX XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question, as well as a copy of the consumer 's FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appear on my consumer credit report, maintained by you was not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer card accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I attempted to make a PayPal purchase from XXXX XXXX XXXX which had good reports when I did a XXXX search for comments/scams. 

Item is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, listed at {$32.00} on the website : XXXX XXXX XXXXXXXX? data_from=search_detail When I attempted to make the purchase on merchant website using PayPal, the checkout failed and an error screen popped-up, to the effect of " transaction failed. '' I thought that was suspicious. I checked my PayPal account and noticed that a person named XXXX XXXX, XXXX, charged my PayPal account in the amount of {$1100.00} / XXXXXXXX XXXX 

XXXX issued back a refund in the amount of XXXX XXXX XXXX XXXX. 

TO date, I have no invoice or receipt of any transaction from XXXX XXXXXXXX XXXX XXXX 

I also initiated a fraud investigation with my bank ( XXXX ), that my PayPal was linked to. Funds were taken out of my checking account to pay for this fraudulent transaction. 

I have not been able to make any progress with PayPal- they have AI response only. I can not get a human on the phone or email. I initiated 2 fraud alerts, both cases closed by their XXXX software with absolutely no feedback or review of my information. 
Case ID : XXXX Case ID : XXXX

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: 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: SC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Aldous & Associates are trying to collect a debt for a club fitness membership for {$300.00}. The debt is not mine, it has the name XXXX XXXX. That is not me. They called me at XXXXXXXX XXXX  on Tuesday the XXXX, and they sent me and email today on the XXXX. I called them and they gave me the name of XXXX. That is not me. I need them to scrub my info because I don't wish to be harassed anymore.

Company response to consumer: Closed with explanation