vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: DE

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX was previously removed from my EWS report due to identity theft, but was reinserted without proper certification or written notice. I submitted a police report. I demand the method of verification and full deletion under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. XXXX XXXX :. My correct Employer is : XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I called TJX Rewards Platinum Mastercard ( Synchrony Bank ) to pay the balance and all monies due on the card. The customer service rep gave me the amount in full and said it would be paid in full no additional charge since there wasn't any pending charges.

Then the next month I get my invoice expecting to be XXXX balance and they charged me {$3.00} for interest. I called XXXX and they said the interest was due because I made payment after the billing date. Billing date is the XXXX of every month and I made the payment in full on XX/XX/year>. I understand the billing cycle is the XXXX of the month through the end of the month, however, when I called to pay the card off in full the interest of that month should have been precalculated to include the day of payment since the customer service rep said all balances were paid in full.

I have called them several times with no help. Statement on XX/XX/year> had interest only balance of {$3.00} and every month since they have continued to charge me interest on top of interest. They refuse to remove the interests charge that was applied after the account was paid in full and also reported me to the Credit bureaus reflecting a negative mark. I have closed the account and feel they take advantage of their market position to disadvantage customers.

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 monetary relief
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management for their continued failure to comply with federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit Management is currently reporting a collection account on my credit report. Upon noticing this, I promptly exercised my rights under the FDCPA and requested full validation of the alleged debt. Specifically, I requested : A copy of the original signed contract or agreement bearing my signature ; Proof of the chain of title showing Midland Credits legal right to collect on the alleged debt, including the purchase agreement and assignment of the debt from the original creditor ; A detailed breakdown of how the alleged balance was calculated. 

To date, Midland Credit has failed to provide any of these documents. The only response I received was a generic statement that does not meet the requirements of proper debt validation under 15 U.S.C. 1692g. Moreover, they continue to report this alleged debt to the credit reporting agencies, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ), as furnishing inaccurate or unverified information is unlawful.

This conduct is not only deceptive but also places an undue burden on me as a consumer to dispute unsubstantiated claims. I am requesting that the CFPB investigate Midland Credit Managements practices and compel them to either provide full validation of the debt as required by law or remove the account from all consumer reporting agencies.

I am an informed and proactive consumer seeking to ensure my rights are protected and that my credit reports reflect only accurate and legally verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX My Employer is : XXXX XXXX to this dispute are XXXX official and verifiable documents : My Florida XXXX photo ID My Social Security card A recent utility bill verifying my residential address Each of the XXXX credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( XXXX  ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA XXXX ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA XXXX and XXXX for willful or negligent noncompliance. 

If these inaccurate entries are not corrected and confirmed in writing within the required XXXX window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability XXXX. This notice serves as both a formal dispute and demand for correction. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I, XXXX XXXX, would like to formally request access to my Equifax FICO Score, which is currently missing from my most recent credit report. As a consumer, I would like to receive the full details of my credit profile, including the credit score generated by Equifax based on my credit history. This score is essential for monitoring my credit health and for use in financial decisions such as loan applications and credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im am writing to dispute the XXXX XXXX XXXX account that is currently reporting on my credit report Despite being paid and settled, this account continues to appear on my credit report, negatively impacting my credit score Account Number : [ XXXX ] Creditors Name : XXXX XXXX XXXX XXXX XXXX XXXX : [ XX/XX/year> ]

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 2025-05-08 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: OneMain Finance Corporation
State: DE

Complaint narrative:
One Main is on my credit report as an inquiry that I did not approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a formal dispute to Experian on XX/XX/year>, under FCRA Section 605C and the XXXX XXXX Repair Act, identifying myself as a victim of XXXX XXXX. I included all required documentation : my FTC Identity Theft Report, a self-attestation statement, proof of identity, and a list of accounts for removal. 

Despite Experians obligation to remove the accounts within 4 business days, no action was taken. On XX/XX/year>, the dispute was marked completed with no explanation or results. When I contacted Experian on XX/XX/year>, I was told they had no record of my trafficking documentation. 

I re-uploaded all documentation via Experians XXXX on XX/XX/year>, and emailed executive leadership. I still have not received confirmation of receipt or action. 

Experians failure to process my 605C documentation, combined with their denial of its existence, constitutes a serious violation of federal law and has resulted in continued financial harm and distress.

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 2025-05-08 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: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

15 USC 1681s-2 ( a ) ( b ) and 15 USC 1861i ( 5 ) ( a ) ( i ) & ( ii ) were also violated.

Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance. 

Accounts : XXXX XXXX XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX XXXX  XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXXXXXX XXXX XXXXXXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX XXXX XXXXXXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Had not provided any proof of originally signed application with my wet signature according to per FCRA 609 ( a ) ( 1 ) ), proof of chain of assignment, and proof they have the right to collect on this debt. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) and FCRA 609 ( a ) ( 1 ) ) XXXXXXXX XXXX XXXX XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii )

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
I have sent letters for an itemized bill and proof of debt also proof with my signature with this creditor. I have tried so hard to get this information from company and it is harboring me. I can not find an apartment company and it is harboring me. I can not find an apartment or a house because of this because of this Please consider this a formal request under 15 U.S. Code 1692g and 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Information under 15 U.S.C. 1681i Request for Investigation and Correction To Whom It May Concern : I am writing to formally dispute multiple inaccurate or unverifiable accounts reported on my credit file. This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which entitles me to dispute any information that I believe to be inaccurate, incomplete, or unverifiable and requires you to conduct a reasonable reinvestigation of the disputed information within the statutory timeframe. 

Below are the accounts I dispute : 1. Creditor Name : [ XXXX XXXX ] Account Number : [ Insert Account Number ] Dispute Reason : [ Insert brief explanation, e.g., Account does not belong to me, Balance is incorrect, etc. ] 2. Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Dispute Reason : [ Insert brief explanation ] [ Add more accounts as necessary. ] I request that you investigate these accounts and delete or correct any information found to be inaccurate, incomplete, or unverifiable in compliance with 15 U.S.C. 1681i. I also request that you provide me with the results of your investigation in writing and a free updated copy of my credit report reflecting any changes made.

Please note that failure to comply with the requirements under 15 U.S.C. 1681i may subject the credit reporting agency to liability under 15 U.S.C. 1681n and 1681o. 

I have enclosed copies of relevant documents supporting my dispute ( if applicable ). 

Thank you for your prompt attention to this matter. I expect a response within the timeframe specified by law. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation