vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-30 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: CA

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Todays Date ] To Whom It May Concern : Re : Account EXETER FIN | Acct. Opened : XX/XX/XXXX | Highest Balance : {$26000.00} Dear Exeter Finance, I am writing to formally dispute the accuracy of the reported late payments on my account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report complete and accurate information. Furthermore, per 15 U.S.C. 1681c-2 ( formerly 605B ), I have the right to request the correction or removal of information resulting from errors, misreporting, or circumstances such as identity theft or verified inaccuracy. 

My payment history has not been accurately reported for the following months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These months are showing as late payments, despite having been made on time or otherwise not reflecting my accurate repayment activity. According to your own reporting, 89 % of my payments have been timely, and this account is currently in good standing with over 68 % of the loan paid off. 

These inaccuracies are negatively impacting my credit profile and do not reflect my responsible payment history. I respectfully demand the immediate correction of the above-listed months from late to paid on time to ensure compliance with federal reporting standards. 

I request confirmation that the corrections have been made and that all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX have received the updated information. Please be advised that failure to correct this reporting error may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Please process this request promptly and confirm receipt in writing. I expect this matter to be resolved within the 30-day investigation period as outlined under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX I sent a letter stating : \nTo:\nMidland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Cease and Desist and Demand for Debt Validation (New York State Law Notice)\nDear Midland Credit Management ,\nThis letter is a formal demand for debt validation and notice to cease unlawful collection practices in accordance with both 15 U.S.C.  1692g of the Fair Debt Collection Practices Act (FDCPA) and New York General Business Law  600 et seq., along with applicable regulations enforced by the New York Department of Financial Services (23 NYCRR 1).\nI hereby dispute the alleged debt you claim I owe. As required by both federal and New York State law, I demand that you provide full and complete written validation of the following:\nThe name and mailing address of the original creditor.\n\n\nAn itemized breakdown of the debt including principal, interest, fees, and any other charges.\n\n\nA copy of the signed contract or agreement creating the debt, if any.\n\n\nDocumentation establishing your legal authority to collect on behalf of the original creditor or debt owner.\n\n\nIf applicable, a statement of the statute of limitations on this debt under New York law.\n\n\nA notice of your obligation to provide documentation in plain, clear, and understandable language as required by New York regulations.\n\n\nUntil this validation is provided, you must cease all collection efforts, including any threats of litigation or credit reporting. Continuing to do so may constitute a knowing and willful violation of both federal and state law.\nFurthermore, I am invoking my right under 23 NYCRR 1.6(b) to request that you cease all communication with me other than to provide the documents requested or to notify me that further collection efforts have been terminated.\nBe advised: any failure to comply with these legal obligations may result in formal complaints being filed with the New York State Attorney General, the Department of Financial Services, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I also reserve the right to pursue civil action for any violations of my rights under the FDCPA and New York law.\nGovern yourself accordingly.\nSincerelyXXXX XXXX XXXX XXXX  received a phone call at XXXX XXXX XXXX XXXX XXXX attempting to collect a debt , Yes I still have not received any documents .'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion XXXX XXXX ). 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 2025-06-30 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>XXXX XXXX + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I refinanced my auto loan with XXXX in XXXX. Since then, XXXX has sent two separate payoff checks to Ally 's designated P.O. Box address. Despite this, Ally has failed to locate or apply either check to close out my loan account. As a result, a late payment was incorrectly reported to the credit bureaus, which has significantly damaged my credit score.

I have disputed this inaccurate report and submitted documentationincluding copies of both checksto all three credit bureaus. XXXX canceled the first check and reissued a second, both of which were sent to Ally 's specified address. I have attached a copy of the first check that was mailed to Ally in XXXX. 

Each time Ive called for assistance, Ive received inconsistent information and no resolution. It is unacceptable that Ally 's process only allows loan payoffs via mail to an unmanned P.O. Box, especially when a customer is refinancing through another lender. XXXX, as the refinancing institution, can not make a payoff through Allys online systemonly via mail, which is evidently unreliable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to file a formal complaint against Discover Financial Services regarding a data breach that has led to identity misuse and serious damage to my credit profile, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

As a result of Discovers failure to safeguard my personal and financial data, my credit reports now show the following fraudulent and unauthorized activity : Accounts opened in my name that I did not apply for Unauthorized credit inquiries initiated without my knowledge Unfamiliar addresses and aliases added to my file Late payments and debts that do not belong to me These inaccurate and damaging entries have severely impacted my credit score, limited my ability to obtain credit, and caused both financial and emotional stress. Despite my efforts to address this with Discover directly, I have received no adequate explanation, restitution, or cooperation in restoring my credit file.

Under 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to accurate credit reporting and timely dispute resolution. Discover has failed to meet those obligations and has not taken meaningful action to assist me in removing this fraudulent information or preventing further harm. 

I am requesting that the FTC : Initiate an investigation into Discovers handling of the data breach and the extent of consumer impact. 

Hold Discover accountable for failing to notify me promptly or support the resolution of this identity compromise. 

Ensure Discover cooperates fully with credit bureaus to delete all fraudulent entries, including unauthorized accounts, credit pulls, and inaccurate debts.

Monitor Discovers compliance with federal data security and reporting laws, as this breach appears to reflect systemic failure. 

I have attached documentation supporting my claims, including copies of my affected credit reports and prior correspondence with Discover. 

I ask that this matter be handled with urgency. The consequences of this breach have been devastating, and I rely on the FTC to enforce consumer protection laws in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
This letter is a formal dispute of a collection account currently showing on my credit report. I do not recognize this debt, and the information presented is unfamiliar and unverifiable. I have never received any communication or documentation confirming the legitimacy of this debt, nor have I agreed to its terms.

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 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I attempted to purchase a product or service through a company called XXXX XXXX as you go using my Serve card. The transaction was processed, and I was charged {$59.00} ( or whatever your total was ), but I never received the product, confirmation, or valid contact from the seller. 

I tried to resolve it through Serve/American Express , but they failed to help me speak to a live agent, refused to investigate the transaction properly, and provided automated responses redirecting me to the FAQs. 

This situation has lasted over 10 days, and I still have no resolution or refund. Ive exhausted every option to contact Serve support, and theyre not assisting. This has caused stress and financial hardship, as I am trying to manage my limited funds responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-06-30 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: FL

Complaint narrative:
Subject : Equifax Violation of FCRA 605B Failure to Remove Inquiries and Correct Employment Data To the CFPB, This is a formal follow-up regarding my complaint against Equifax submitted XXXX XX/XX/XXXX. Although the disputed address and XXXX XXXX account were removed, Equifax failed to take legally required action on the remaining items clearly covered under my identity theft report submitted pursuant to FCRA 605B. 

Items Still Not Resolved : XXXX. Unauthorized Hard Inquiries ( still reporting ) : 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  These inquiries were not authorized by me and should have been blocked under FCRA 605B ( a ). 

XXXX. Employment Record Not Corrected : My employer of record, XXXX XXXX IT, was never added despite being explicitly included in the original dispute. This is a failure to correct personal information as required by law. 

Supporting Documents Previously Submitted : FTC Identity Theft Report Government-issued photo ID Proof of current address Annotated credit report highlighting disputed items Violations Committed by Equifax : FCRA 605B ( a ) : Failure to block fraudulent information after receiving a valid identity theft report FCRA 605B ( b ) : Failure to provide written explanation for refusal to block within 4 business days FCRA 605B ( c ) ( 3 ) : Prohibited reinvestigation or contact with furnishers after identity theft claim FCRA 607 ( a ) : Continued reporting of known inaccurate information FCRA 610 ( a ) : Failure to maintain reasonable procedures to assure compliance Demanded Resolution : Immediate and permanent deletion of all unauthorized hard inquiries listed above Addition of verified employer information : XXXX XXXX XXXX Written confirmation from Equifax detailing the completion of these actions Escalation of Equifax 's noncompliance as a willful violation under FCRA 616 Equifax has not fulfilled its legal obligations. I request that the CFPB take immediate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is violating my rights they haven't provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report recently.

This is my 3rd time trying to fix this my rights are being violated and I'm entitled to {$1000.00} for every violation they either pay or delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
At the beginning of this year proper issued me a card for XXXX from the beginning of the year till now I havent missed any payments or been late. Then all of a sudden like XXXX  months ago I noticed that the limit was XXXX I asked prosper why happened and they gave no explanation why. I contacted them XX/XX/XXXX and got no response. I have a monthly statements showing the XXXX credit card. So I have no idea what happened and they have yet to respond nor explain anything.

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