vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Cease and Desist Fraudulent Debt Collection Due to Identity Theft I am writing to formally demand that you cease and desist all collection activities related to a fraudulent account that was opened in my name as a result of identity theft. I did not authorize this account or any associated charges. The details of the account are as follows : I am a victim of identity theft and this debt is not mine. I have never had any relationship with your company, nor have I agreed to any services or products associated with this account. I have reported this incident to law enforcement and initiated steps to correct my credit records. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby demand that you : XXXX. Immediately cease all attempts to collect this fraudulent debt. 
XXXX. Permanently close this account and mark it as fraudulent in your records. 
XXXX. Remove any and all references to this account from my credit reports with XXXX XXXX XXXX XXXX 
XXXX. Provide written confirmation that the debt has been removed and that I will not be contacted further regarding it. 
Please consider this letter your official notice. Any further attempt to collect this fraudulent debt may result in legal action against your company. I expect a written response confirming your compliance within 15 business days.

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

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 2025-08-07 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 need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to be of the maximum possible accuracy. These errors have been weighing heavily on me and continue to affect me negatively in ways that are difficult to describe. These are trying times for me, and it would be a great help, a blessing I must say, if these inaccuracies could be corrected or removed.

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 2025-08-07 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: TX

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I had an early pay off balance option of {$710.00}. I paid {$700.00} on XX/XX/year> XXXX {$100.00} on XX/XX/year> total paid was {$800.00}. However, my account was not closed and they charged approximately {$7.00} daily. Now they want an additional {$130.00} to close the account. When I tired talking with the agent about the steps I took to pay off early and close my account, they started shouting at me. I had to request for a supervise who gave me another explanation for remaining balance. They are legalized loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
The account was first reported to my credit report on XX/XX/year> with a balance of {$3100.00}. Since then, I have requested validation of the debt, including : 1. A copy of the original agreement between the debt collector and the original creditor showing they have legal ownership or authority to collect on the debt.

2. Proof of how much they paid to acquire the debt from the original creditor.

3. A copy of the original signed agreement from when the account was first opened. 

To date, they have failed to provide any of this documentation. 

In addition, the debt collector continues to call me repeatedly and harass me, which I believe is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions are causing emotional stress and damage to my credit profile. 

I respectfully request that the CFPB investigate this matter, and that the debt collector be required to either provide the appropriate documentation or remove the account from my credit report. I am also requesting that they cease all further communication unless they can validate the debt. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Credit Control, LLC
State: GA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Control, LLO-te e debt collector. We are trying to collect o debt that you to XXXX Bank, We will use any information you give us to help collect the debt. 

Our information showe You had an account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX with account number anding inXXXX As of XX/XX/year>, you owed. 

Between XX/XX/year> and loday... 

You were charged this anicunt in interest Total amount of non-interest charges or fees You paid or were credited this amount toward the debt Total amount of the debt now. 

How can you dispute the dotit? 

$ XXXX our information is correct {$0.00} XXXX XXXX XXXX Call or write to us by XX/XX/year>, to dispute all or part of the debt, if you do not, ww If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX What else can you do? 

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 

Go to XXXX to learn more about your rights under federal law, For instance, you have the right to stop or limit how we contact you Contact us about your payment options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : BENEFICIAL Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm sorry to say that I have discovered some inaccuracies in my credit report, despite the Fair Credit Reporting Act and Metro 2 compliance standards that are in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-08-07 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX  XXXX ( via XXXX XXXX ) Re : Complaint Against XXXX XXXX XXXX  XXXX XXXX. for Inaccurate Credit Reporting on Account # XXXX Dear CFPB : I am filing a complaint against XXXX XXXXXXXX XXXX XXXXXXXX. for furnishing inaccurate, incomplete, and misleading information on my account # XXXX, as reported on my Experian credit report dated XX/XX/XXXX, and potentially to Equifax and TransUnion. Despite over XXXX disputes since XXXX, XXXX XXXX has failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and XXXX Consumer Collection Practices Act ( XXXX ). 

Inaccuracies include : - Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX, but an on-time payment reported for XX/XX/XXXX, which is contradictory. 

- No XXXX, XXXX, or XXXX late reported, skipping required delinquency progression per Metro-2 guidelines. 

- " No data available '' reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, creating an incomplete history. 

- Charge-off reported every month from XX/XX/XXXX through XX/XX/XXXX, improper as charge-off status should be fixed unless updated. 

- Date of last payment reported as XX/XX/XXXX in records, but the credit report shows a payment after that date, conflicting with XXXX. 

These errors have caused significant harm : a XXXX FICO score, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( anxiety, sleep loss ). XXXX XXXX failure to investigate or correct these verifiable inaccuracies violates FCRA XXXX, XXXX and XXXX XXXX. 

I demand XXXX XXXX investigate, delete this unverifiable tradeline from all CRAs ( XXXX, Equifax, XXXX  ), and provide documentation ( e.g., account statements, payment ledgers ) to substantiate their reporting. I am mailing a detailed dispute to XXXX XXXX via certified mail on XX/XX/XXXX. Please ensure XXXX XXXX complies promptly to mitigate further harm. 


Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Experian credit report pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am filing this complaint against Equifax for willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple valid disputes and the submission of supporting documentation, Equifax has failed to correct or remove fraudulent and inaccurate accounts from my credit report. These accounts include XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, and XXXXXXXX XXXX XXXX # XXXX. Equifax has refused to conduct a reasonable reinvestigation, correct erroneous data, or block fraudulent or unverified accounts, even after being provided with clear evidence. This conduct constitutes blatant, willful non-compliance with the FCRA under 15 U.S.C. 1681i and 1681s-2. 

As a direct result of XXXX neglect and disregard for their statutory duties, I have suffered measurable harm, including denied credit opportunities, increased interest rates, emotional distress, reputational damage, and other financial losses. I am requesting the CFPB to take immediate action to compel Equifax to permanently delete the fraudulent accounts listed above, provide written confirmation of the deletions, and compensate me for the damages sustained. If the matter remains unresolved, I will pursue further legal action, including filing formal complaints with the Federal Trade Commission ( FTC ) and my State Attorney General, and seeking statutory damages, punitive damages, and attorneys fees through civil litigation under the provisions of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate and unverifiable accounts on my credit report, despite my previous disputes. I submitted formal disputes providing sufficient information and documentation, but the negative items remain unchanged. Equifax has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), and this continued reporting is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct. XXXX Date Opened : XX/XX/year> {$930.00} Charged Off Company should have provided a 1099-C Tax form for the tax year debt was Charged Off, so that consumer could have claimed as Unearned Income. Furthermore, this Derogatory Information should be REMOVED IMMEDIATELY from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have been using my same cash app account for roughly XXXX years. In the last XXXX years I have not had a physical cash app debit card because I was using a virtual card. About a month ago I got a new phone and needed to re add all of my cards to my apple wallet. The cash app card would not allow me to add it so after about a week of trying to add it I ordered a physical card instead. The debit card came and can not be activated despite several attempts and making contact with support for help to no avail. I have since been told that my card feature was deactivated after the card was shipped, and that there was no other information available. I was also told to make a new account with a different phone number and email to get access to a debit card again. However I was told by another rep not to make other accounts and to wait XXXX days and try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am filing this complaint against Equifax for willful and blatant violations of the Fair Credit Reporting Act ( FCRA ) related to fraudulent accounts appearing on my credit report as a direct result of identity theft. I personally submitted a dispute along with all required supporting documentation, including my government-issued ID, proof of address, FTC identity theft report, and a signed statement under penalty of perjury confirming the accuracy of my claim. The fraudulent accounts in question include 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 These accounts were confirmed to be fraudulent, yet the bureau has failed to remove them from my credit file as required by law. 

Under FCRA 605B, the bureau is legally obligated to block all fraudulent information within XXXX business days of receiving proof of identity theft. Under FCRA 611 ( a ), they must conduct a proper investigation and respond within XXXX days, and under FCRA 609 ( a ) ( 1 ) ( A ), they must provide full disclosure of all information used to verify these disputed accounts as well as the results of any prior investigations. Despite these clear legal requirements, the bureau failed to block the fraudulent information, failed to conduct a proper reinvestigation, failed to provide the requested verification documentation, and willfully disregarded my rights under the law. 

These failures have caused substantial harm, including damage to my creditworthiness, emotional distress, and the potential denial of credit opportunities. The bureaus continued reporting of these fraudulent accounts is not only unlawful but also a reckless disregard for federal consumer protection laws. This is a legitimate consumer complaint backed by substantial evidence, and urgent intervention is necessary to ensure compliance and prevent further harm.

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

Complaint narrative:
Your Are in Violation of federal law under 15 USC 1681e ( b ) you are required to maintain maximum possible accuracy in consumer reports. However, by reporting unverified, inaccurate, or unauthorized accounts, or false late payments, you are in direct violation of this statute.

Under 15 USC 1681n, willfull noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of up to XXXX per violation, punitive damages and attorney fees. Your refusal to correct these errors immediately will leave me choice but to pursue legal action against your agency. Complaints have been filed.

Company response to consumer: Closed with non-monetary relief