vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: GA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
I am submitting this statement to dispute and request investigation into the inaccurate reporting of a collection account listed as XXXX XXXXXXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX, which is still tied to an open account on my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit file must be accurate, complete, and verifiable. Reporting a {$0.00} balance account as a collection while also keeping it tied to an active or open account is both misleading and inconsistent with federal law. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in a credit report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) states that furnishers must not report information they know or have reasonable cause to believe 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 explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC Reported : XX/XX/year> Amount : {$1200.00} Status : Needs Attention Reason for Dispute : I do not recognize this account and request verification of the debt and supporting documentation proving its validity and ownership. 
2. XXXX XXXX XXXX XXXX Reported : XX/XX/year> Amount : {$1000.00} Status : Needs Attention Reason for Dispute : Please verify all details of this account. I have no record of an account with this creditor. If verification can not be provided, please delete this item from my credit report. 
3. XXXX XXXX XXXX Reported : XX/XX/year> Amount : {$290.00} Status : Closed Reason for Dispute : The reporting date and balance appear inaccurate. Please review and correct any errors, or remove if unverifiable. 
4. MIDLAND CREDIT MANAGEMENT INC Reported : XX/XX/year> Amount : {$350.00} Status : Closed Reason for Dispute : This duplicate or outdated listing may be reported in error. Please confirm accuracy and remove any duplicate or unverifiable entries. 

I have enclosed a copy of my identification ( drivers license and utility bill ) and a copy of my credit report with the disputed accounts highlighted. 

Please conduct an investigation and provide me with written confirmation of your findings. If these items can not be verified, please remove them from my credit report immediately as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
Follow-Up Complaint Reference to Original CFPB Complaint ID # XXXX I previously filed a complaint with the CFPB and Equifax concerning the same XXXX XXXX XXXX  / XXXX XXXX XXXX tradeline XXXX XXXX acknowledged that the account was sold to XXXX XXXX XXXX on XX/XX/year>. Equifax failed to delete or correct this entry and has not provided evidence to support its continued reporting. This violates 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

I request that Equifax and the CFPB rely on the complete record previously submitted under Complaint ID # XXXX without requiring re-upload of documents. This is a notice of continuing inaccuracy and reservation of rights to pursue arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MN

Complaint narrative:
A collection account reported by XXXX XXXX XXXX for XXXX XXXX  appears on my credit report with a balance of {$3900.00} and an open status dated XX/XX/year>. I never received any signed agreement, billing statements, or validation proving that I owe this debt. 

I sent written validation requests to XXXX XXXX XXXX in XX/XX/year>, and I filed disputes with XXXX, TransUnion, and XXXX. No documentation or verification was ever provided in response. Despite that, the account continues to be furnished to the credit bureaus with inconsistent or unverifiable information. 

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ), 607 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ( b ) ), which prohibit furnishing or continuing to report inaccurate or unverified information after dispute. 

I am requesting that the CFPB require XXXX XXXX XXXX to either produce full validation of this debt or remove the account completely from all consumer credit reports.

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 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Portfolio recovery XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a [ call/letter/email ] I received on [ XX/XX/year> ], regarding a debt you claim I owe. I am requesting that you provide validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed explanation of the charges ; XXXX. Proof that you are legally authorized to collect this debt ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Documentation that verifies I am legally obligated to pay this debt. 

Please note that until you provide this information, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. 

If you can not provide this information, I request that you immediately stop all collection efforts and inform any credit reporting agencies to which you have reported this debt that it is disputed and unverified. 

This letter is not an acknowledgment or acceptance of any debt. Please treat this letter as a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) I have the right to request the blocking of information on my credit report that is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}

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 2025-10-18 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
I noticed that several inaccurate accounts are still appearing on my credit reports and those inaccurate accounts were never taken out. This situation has caused me a lot of worry, and Im begging that the documents Ive attached are carefully reviewed so that I can finally have peace of mind again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. I need this matter resolved immediately and ask that the documents I provided be carefully reviewed so this problem is completely fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
On or about XX/XX/year>, I received a debt collection letter from RTR Financial Services Inc. claiming to collect on behalf of the Florida Department of Transportation ( FDOT ) for account # XXXX. 

In response to my online inquiry through RTRs website, the company sent me another consumers toll invoiceincluding that persons full name, address, vehicle information, and due datewhile offering it as proof of my alleged debt. 

This appears to be a data breach and violation of the Fair Debt Collection Practices Act ( 1692e and 1692f ) and XXXX  Statute 559.72, since the document provided does not relate to me, my vehicle, or any plate I have owned. 

I disputed the debt immediately through RTRs online portal and asked for proper validation ( toll dates, vehicle plate, and itemized balance ). The company has not corrected the error or confirmed deletion of the other persons data. 

I am requesting that the CFPB require RTR Financial Services Inc. to : cease all collection until full validation is provided ; investigate and report the data disclosure to FDOT ; and confirm in writing that my information is not being mixed with another consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
This account has been paid in full, yet late payment remarks are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXXXX Phone Number XXXX XX/XX/year> Consumer Financial Protection BureauXX/XX/XXXX Subject : Formal Complaint Regarding Invalidated Debt Collection Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against a debt collection agency that has failed to properly validate a debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Debt Collector Name : WILLIAMS RUSH & ASSOCIAT Account Number : XXXX Amount in Dispute : {$430.00} Date First Contacted : XX/XX/year> I formally requested validation of this alleged debt via a written dispute under 15 U.S.C. 1692g ( b ) on 10/18/2025. The collection agency has not provided the required documentation, such as : -A copy of the original signed agreement or contract bearing my wet signature -A detailed accounting of the alleged debt -Proof that they are legally authorized to collect on this debt -Verification from the original creditor Despite this, the agency has continued to report this debt to the credit bureaus, which constitutes a violation of both the FDCPA and FCRA, specifically under 15 U.S.C. 1681s-2 ( b ), which requires accurate reporting and investigation of disputed information. 

Relief Requested : I respectfully request the CFPB take the following actions : -Investigate this debt collectors failure to validate the alleged debt ; -Require the collector to immediately cease collection activity until full validation is provided. 

-Remove the invalid debt entry from all credit reporting agencies if it can not be verified ; -Hold the collector accountable for any violations of federal law. 
-Attached are copies of my original dispute letter ( s ), proof of delivery, and any responses received. 

Thank you for your attention to this matter. Please contact me if any further information is needed. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Someone used my personal information and opened up a capital one credit card and they saying I owe them when I don't remember even having a credit card I have a balance with them but I don't recall this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute certain collection accounts and multiple credit inquiries currently reported on my credit report. After a detailed review, I have identified these entries as inaccurate, incomplete, or unverifiable, which may violate the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, the collection accounts reported by XXXX with a balance of {$1300.00} and XXXX with a balance of {$480.00} are disputed. I request full validation of these debts, including original documentation from the creditors that proves the balances, the dates of default, and the legitimacy of the collections.. Furthermore, FCRA 607 ( b ) requires that all information reported must be accurate to the maximum extent possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or should know, to be incorrect. In addition to the collections, I dispute the following credit inquiries as they may have been made without my authorization or were inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute certain collection accounts and multiple credit inquiries currently reported on my credit report. After a detailed review, I have identified these entries as inaccurate, incomplete, or unverifiable, which may violate the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, the collection accounts reported by XXXX with a balance of {$1300.00} and XXXX with a balance of {$480.00} are disputed. I request full validation of these debts, including original documentation from the creditors that proves the balances, the dates of default, and the legitimacy of the collections.. Furthermore, FCRA 607 ( b ) requires that all information reported must be accurate to the maximum extent possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or should know, to be incorrect. In addition to the collections, I dispute the following credit inquiries as they may have been made without my authorization or were inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX I received a targeted email offer to " spend {$500.00} or more each month on eligible gas station, grocery store and restaurant purchases with your XXXX XXXX XXXX XXXX ... to earn {$50.00} statement credit. '' This promotion is valid for the rest of XXXX. Please see attached document. 

XX/XX/XXXX I made greater than {$500.00} in grocery purchases for XXXX but was not credited the {$50.00} statement credit as advertised. 

XX/XX/XXXX I called XXXX and was transferred to a Supervisor named " XXXX. '' She said she will submit a request for investigation by the Backline Department. I offered to provide the emails and activation confirmation screenshots but she said they only do fax or snail mail. NO email. She said to call back in XXXX days. Provided Reference # XXXX. 

XX/XX/XXXX I called again and spoke with XXXX. She had a specialist review my case. The specialist advised to resubmit a case and XXXX did so. XXXX mentioned this is a common issue for the month of XXXX. She provided XXXX # XXXX XX/XX/XXXX I called for a follow up and representative said there is no update. 

At the time of this complaint, I am now owed XXXX separate {$50.00} statement credit for $ XXXX grocery purchases made during each of the following XXXX months : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

This comes to a total of {$150.00} in Statement Credits. Please see attached documents of evidence that the Offer is still active for my account.

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