vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated XXXX XXXX, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of XXXX has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
It has been XXXX  days since my referee and i have been waiting for referral rewards which were promised XXXX days after account creation, upon the referral reaching recruit status, Stated here " Get {$75.00} in the crypto of your choice when your referral signs up and trades {$100.00} in their first XXXX days. '' I also received an email after they achieved recruit status which states " Your referral leveled-up to XXXX status. 
You've earned {$75.00} in the crypto of your choice since your referral achieved XXXX status. You'll both receive your rewards starting XXXX days after your referee created an account. '' I received this email on XX/XX/XXXX, and they signed up initially on the XXXX of XXXX. It has been more than XXXX days since XXXX days after their account creation and I would at least like some sort of update about the rewards that were promised and still shown as pending. I really hope that i don't have to go through this with any more referees as i have another one who also achieved recruit status, and they are also a bit worried about their rewards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccuracies in my personal information currently appearing on my credit report. These errors are creating unnecessary difficulties with my credit applications and are causing significant frustration. 

Please review the supporting documents I have provided and take the necessary steps to delete all inaccurate information.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Repeated calls and harassment im formally sending a letter for cease and Desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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 am submitting this formal complaint against XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened fraudulently and are the result of identity theft. I provided XXXX  with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, XXXX  failed to block the fraudulent information within four business days, as required by law. Furthermore, XXXX  has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but XXXX  has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-28 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-28 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-28 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Credit Report Dispute under FCRA Request for Investigation and Correction of Inaccurate Late Payment Entries To Whom It May Concern, I am submitting a formal dispute regarding inaccurate late payment information reported on my credit report by Equifax. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666b and related federal laws, I request that the Consumer Financial Protection Bureau assist in investigating and correcting this information. 

The disputed accounts are : 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  These accounts have been paid in full and closed. The reported late payments are inaccurate and violate the FCRA. I was never properly notified of any delinquency within the required time frame, as per 15 U.S. Code 1666b, which mandates accurate reporting and proper notification for late payments.

Equifax is required under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures ensuring maximum accuracy of information. The fact these late payments appear only on Equifax and not on other nationwide credit bureaus indicates inaccuracies or improper matching in my file.

Per FCRA requirements, any reported data must be accurate and verifiable. If these creditors can not provide verification of the late payments or proper notifications, the entries must be deleted immediately.

I ask that the CFPB facilitate the investigation of these accounts with Equifax and ensure the correction or removal of the inaccurate information. Please find attached copies of my government-issued ID, proof of address, and supporting documents.

Thank you for your assistance and prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael J Adams PC
State: TX

Complaint narrative:
XX/XX/XXXX I checked into my banks checking account to see all of the money that I have gone and the name under the transaction was under Legal order Micheal j Adams pc doing research on such I have no debts to collect what so ever so there is no reason for my account to be levied by this company I have called the collectors asking why such a thing has happened onto my account they stated that no information under me has shown up and to come check again on Monday. If no proof was provided to me no mail, email, notification was ever provided to me not even a court date and a court case is provided to me in any way possible why am I being pursued for a debt that is not mine I assume they have the wrong person involved because I have checked personally my credit before hand and nothing states to where I am involved in any kind of debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have told this company that I have no interest in signing up for autopay, yet they have called me numerous times to ask me to sign up and continue to send me emails requesting me to sign up for autopay. It is harassment at this point. What part of NO don't you understand?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering 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 2025-08-28 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-28 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
My original account with XXXX XXXX XXXX XXXX was opened in XX/XX/XXXX, became delinquent in XXXX, and was charged off on * * XX/XX/XXXX * *, reported on XX/XX/XXXX. 
In XXXX 's historical account information, they are reporting the original date with original credit was XX/XX/XXXX ( the actual charge off date ), and that it became delinquent XX/XX/XXXX ( XXXX  years and XXXX mos past the original charge off date ). 

This is an illegal attempt to * * re-age * * the account, which is a direct violation of the * * Fair Credit Reporting Act ( FCRA ), Section XXXX * *. 

Additionally, I resided in * * California * * when the debt was incurred and defaulted. Under California Code of Civil Procedure 337, the * * statute of limitations for debt collection is four ( 4 ) years * *. This debt is * * time-barred * *, and I have made no payments or written promises to repay it since the date of delinquency. 

Therefore, LVNV is legally prohibited from initiating or continuing collection efforts and must immediately * * cease reporting this debt * * to all consumer reporting agencies. 

I demanded that they : XXXX. Delete all references to these accounts from all credit reporting agencies ( XXXX XXXX XXXX ) ; XXXX. Cease all collection and reporting efforts related to these time-barred debts ; XXXX. Refrain from further violations of my rights under the FCRA and California law. 

They simply wrote a letter back stating the debt was valid with false dates of the original debt and charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I made a payment of {$3600.00} to Williams & fudge under circumstances where I felt pressured and misled by the collector. I did not make this payment voluntarily or with full consent. During a later call, a representative even acknowledged that a refund would be provided, but a supervisor later refused. 

I disputed this transaction with my bank, XXXX XXXX, on the grounds that it was made under coercion and misrepresentation, and therefore not validly authorized. However, the bank refused to investigate or provide relief, stating that since I initiated the payment, it must be considered authorized.

This is incorrect. Under Regulation E ( Electronic Fund Transfer Act ) and Regulation Z ( Truth in Lending Act ), authorization obtained through coercion, misrepresentation, or without full consent is not legally valid. The bank has an obligation to investigate and treat this as a disputed transaction.

Additionally, the debt collectors conduct raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, coercion, and deceptive practices in debt collection.

Relief Requested : Refund of the coerced payment of {$3600.00}, Assurance that the debt collectors practices are reviewed for FDCPA compliance, Confirmation that my bank will follow federal law in handling disputes where authorization was not valid. 

Supporting Details : Date of payment : XX/XX/year> Amount : {$3600.00} Collector : Williams & Fudge Bank : XXXX XXXX I have call records/notes documenting both the coercion and the initial promise of a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am disputing a late payment inaccurately reported on my credit report. Verified records confirm that all payments were made on time. The continued presence of this erroneous entry is misleading, unjust, and damaging to my creditworthiness.

Company response to consumer: Closed with explanation