vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate and misleading reporting of the XXXX account # XXXX on my credit reports. Despite my prior CFPB complaint, previous disputes with the credit bureaus, and direct disputes with the furnisher, the account is still being reported with inconsistent dates, an incorrect balance, and an unverified 120-day late status. These errors continue to misrepresent my payment history and violate multiple federal consumer protection laws.

The account remains reported with a {$12000.00} balance, an opened date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a 120-day delinquency, none of which match my actual payment records or the information I previously submitted. I have already disputed these billing inconsistencies directly with XXXX, which placed the matter under 15 U.S. Code 1666 ( Correction of Billing Errors ). During that dispute period, the creditor was prohibited from reporting adverse information under 15 U.S. Code 1666a, yet they continued furnishing derogatory data to Experian, Equifax, and TransUnion in violation of federal law.

When I disputed this information with the credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), each CRA failed to conduct a meaningful reinvestigation. They relied on automated, superficial, or inconsistent responses from XXXX, despite clear contradictions in dates, delinquency timelines, and payment history. The furnisher has also not fulfilled its obligations under FCRA 623 ( a ) ( 2 ) to correct and update inaccurate data and FCRA 623 ( b ) to conduct a reasonable investigation of the disputes forwarded to them by each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They did not do a full security search within the four months gave them a template every 30 days because they didnt do the full security search I call them They were being rude. They kept saying they didnt receive some of my documents and I sent them certified mail. they kept telling me they cant do nothing and it still will be on my credit. And is hurting my credit. To the point, I cant apply for anything. I am stressed mentally hurt distraught.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Debt To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of an alleged debt that is currently being reported on my consumer credit file. 

Date : XX/XX/XXXX To Whom It May Concern, RE : Demand to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( Identity Theft ) Creditor : World Finance Corporation Account Numbers : XXXX XXXX I am writing to formally dispute and demand the immediate blocking and deletion of fraudulent information appearing on my consumer credit file pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

I am a verified victim of identity theft. The following accounts were opened and/or reported without my knowledge, authorization, or consent and are the result of fraudulent activity : In compliance with federal law, I am enclosing the following required documentation : A copy of my valid government-issued photo identification Proof of my current address A copy of my Social Security documentation My official FTC Identity Theft Report Please be advised that under 15 U.S.C. 1681c-2, a police report is NOT required when a valid FTC Identity Theft Report is provided. Your legal duty to block and delete this fraudulent information is triggered upon receipt of this documentation.

Federal law requires that you block the reporting of the identified fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this request. Any failure to comply will be considered a willful violation of the Fair Credit Reporting Act and may result in formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and civil legal action. 
Once the block is completed, I demand written confirmation that : 1 ) Both fraudulent accounts have been permanently blocked and deleted from my credit file, and 2 ) The information will not be reinserted without proper legal certification as required under the FCRA. 

This matter is urgent and legally protected. I expect full compliance without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Beginning on XX/XX/year>, I submitted a written billing dispute and request for verification to Synchrony Bank regarding an XXXX XXXX XXXX account. I asked for verification of the account, documentation supporting the balance, disclosure of how the account was established, and an investigation of the billing error as required by the Fair Credit Billing Act ( FCBA ).

Synchrony did not provide any verification or documentation. They only sent generic billing statements that did not address my dispute or support the accuracy of the account. 

On XX/XX/year>, I sent a second written notice explaining that their response was insufficient and giving them an additional opportunity to provide verification or correct any errors. They again failed to provide any of the requested documentation.

After Synchrony returned a payment instrument without explanation, I sent a conditional acceptance requesting a verified true bill and authenticated proof of claim. Synchrony did not respond to any specific point or provide verification. 

On XX/XX/year>, I issued a final notice of dishonor and informed Synchrony that if they continued to report the account without verification, I would escalate the matter. Synchrony has still not provided verification, supporting documentation, or any meaningful investigation under FCBA.

At this time, the account remains formally disputed, and Synchrony continues to send billing statements or report information without having verified the accuracy of the account. I am requesting CFPB review Synchronys failure to verify the account, investigate the dispute, or provide documentation supporting the balance, and require them to correct or update the reporting in accordance with federal law.

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 2025-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactions violates federal law and my right as a consumer. 
Account : XXXX XXXXXXXX XXXX  XXXX XX/XX/year> {$240.00}

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 2025-12-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect. You must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Request for Reinvestigation Goldman Sachs Bank USA Apple Card Reporting Inaccuracies Not Addressed Complaint : This is a follow-up complaint regarding XXXX XXXX  XXXX inaccurate reporting of the Apple Card account. The Bank did not address the issues raised in my previous CFPB complaint. Instead, they provided a generic liability letter that did not include the verification or documentation I requested. 

I am specifically disputing the accuracy and completeness of the information being furnished under FCRA 1681e ( b ) and 1681i. My previous complaint clearly asked for verification of the reported data, not a generic statement that the account exists. 

XXXX XXXX  XXXX failed to provide : 1.A copy of the original signed Apple Card Customer Agreement 2.Proof of ownership of the debt ( required if the account was charged off ) 3.A full itemized accounting to verify the reported balance 4.A XXXX compliant explanation of why payment history is being reported for XXXX after the account was closed on XX/XX/year> 5.An explanation for the duplicate dispute remarks, which is inaccurate and misleading 6.An explanation for why utilization is being calculated on a closed charge-off account, which is not XXXX compliant 7.Correction of missing fields such as the monthly payment, which is required to be {$0.00}, not blank 8.Reconciliation of conflicting status codes ( Closed by grantor vs. Profit and loss write-off ) 9.Any form of documentation validating the accuracy of the data they are furnishing GS Banks response did not address the actual reporting inaccuracies. 
They also did not provide proof or documentation supporting their claims or verifying the data they furnish to the bureaus. 

Under FCRA 1681i, when a consumer disputes the accuracy of furnished information, the furnisher is required to conduct a reasonable investigation and provide evidence that the data being furnished is correct. 

XXXX XXXX  failed to do so. 

I am requesting : A complete reinvestigation of this account Documentation verifying each data field being furnished Removal of all inaccurate information Or deletion of the account if XXXX XXXX  is unable to provide documentation verifying the accuracy of their reporting This is a request for verification of reporting. 
Please require XXXX XXXX  to provide proof or correct/delete the data. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX RE : Debt Validation Request & Cease Pending Verification FDCPA 15 U.S.C. 1692g ( b ) & 12 C.F.R. 1006.34 I dispute the alleged debt you are attempting to collect/report. Until you mail proper verification and all required validation information, CEASE all collection activity and do not report or update negative information. 
BECAUSE YOU ARE A DEBT BUYER, PLEASE MAIL WITHIN 15 DAYS ( Cal. Civ. Code 1788.52 ( c ) ) : Identity of the CURRENT CREDITOR and clear statement of your authority to collect/report ; The contract/accountopening document or last account statement that shows my agreement to the debt ; A full itemization/ledger from the itemization date to present ( principal, interest, fees, payments/credits ) ; The complete CHAIN OF TITLE/ASSIGNMENTS ( each bill of sale/assignment ) with accountlevel identifiers linking my account ; The Date of First Delinquency used for credit reporting and the basis for any postchargeoff interest/fees ; Your California DFPI debtcollector/debtbuyer license number and the legal name under which you are licensed . 
This notice does not admit liability and preserves all rights under federal and state law. All communications must be by mail only to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I applied for an American Express credit card in XX/XX/year> after receiving multiple mailed offers stating I would receive XXXX Membership Rewards points if I spent {$3000.00} within 6 months. I met the spending requirement within 4 months, but today Amex has refused to provide the welcome bonus and will not explain why. 

Details : Before applying, I received numerous mailers clearly advertising XXXX points after spending {$3000.00} in 6 months. 
I opened the card specifically because of this offer. 
I spent over {$3000.00} well within the required timeframe. 
When the bonus did not post, I contacted customer service. 
I was told I was not eligible, but Amex refused to give any reason, evidence, or written explanation. 
They declined to escalate or clarify their decision. 

I made the decision to open and use this card based on Amexs promotional offer. Denying the bonus without any explanation is misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
On XXXX XXXX i sent Equifax a certified letter informing them that I am a victim of identity theft, and my personal information has been compromised as a result of significant data breaches at Equifax in XXXX, XXXX  on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I have recently discovered that my personal information is now available on the dark web. As a direct consequence of these breaches, unauthorized accounts have been created and closed in my name without my consent. 
XXXX XXXX-CHECKING ACCOUNT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
I received notice that Equifax received my certified letter on XXXX XXXX at XXXX XXXX. FCRA 605b states beginning 4 business days after receipt of information described in paragraph they are to block this information from my credit report, and send the required notifications to all furnishers of this information. 

On XX/XX/XXXX, I sent a certified letter to Equifax regarding my identity theft due to data breaches at Equifax, XXXX, and XXXX. My information is on the dark web, and unauthorized accounts have been opened in my name, including with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 

Equifax confirmed receipt of my letter on XX/XX/XXXX. According to FCRA 605 ( b ), they must block this information from my credit report and notify all relevant furnishers within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-12-04 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief