vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Against Equifax for Illegal Reporting of Late Payments XXXX XXXX Bank Dear CFPB Representative , I am submitting a formal complaint against Equifax for the illegal reporting of a late payment on my credit report for an account with XXXX XXXX Bank. This late payment is inaccurately reported and violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant case law. 

Consumer Law Violations : Violation of FCRA 15 U.S.C. XXXX ( a ) : The furnisher of information is prohibited from reporting inaccurate or incomplete information. XXXX XXXX Bank and Equifax are in violation by reporting a late payment that should not legally be on my credit report. 

Failure to Conduct a Proper Investigation ( FCRA 15 U.S.C. XXXXi ) : Equifax is required to conduct a reasonable investigation when a consumer disputes inaccurate information. Their failure to correct or remove this late payment violates this provision. 

Willful Noncompliance ( FCRA 15 U.S.C. XXXXn ) : Equifax and XXXX XXXX Bank have knowingly and willfully reported an illegal late payment, entitling me to statutory and punitive damages.

Negligent Noncompliance ( FCRA 15 U.S.C. XXXXo ) : The reporting of this inaccurate late payment has caused actual damages, including financial harm and emotional distress. 

Impact of the Inaccuracy : The continued presence of this inaccurate late payment has : Negatively impacted my credit score Led to denials of credit applications Increased my borrowing costs Damaged my financial reputation Requested Actions : Immediate Removal of the Late Payment : The inaccurate late payment must be removed from my credit report immediately. 

Monetary Relief : Due to Equifaxs willful non-compliance, I am requesting compensation for the financial and emotional damages I have suffered.

Regulatory Action : I request that the CFPB investigate Equifaxs systemic failure to follow federal consumer protection laws and impose appropriate sanctions. 

Equifax has had ample timemore than the legally mandated XXXXday periodto properly investigate my dispute and take corrective action. Instead, they have continued to report inaccurate information, causing significant harm to my financial well-being. I urge the CFPB to take immediate action against Equifax and XXXX XXXX Bank to enforce compliance and prevent further violations against consumers. 

I look forward to your prompt response regarding the resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is no date on the credit report! I do not owe this money it was paid in full. Proof is in attachment!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX DEPT OF EDXXXX XXXX. XXXX XXXX DEPT OF EDXXXX 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 2025-03-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, FL XXXX, XX/XX/year>.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit continues to text, call, email, threaten me. They claim I owe a debt for a card that was paid off. Then while we were trying to rebuild after being hit by multiple hurricanes & my husband going through treatment at the XXXX center there was suddenly a bunch of charges on the card. I disputed them but they never fixed it. Meanwhile I was still bombarded with medical issues & hurricane recovery. I obviously could barely pay the bills I had so I could not pay bills that were not mine. These people did not care. They called at all hours of the day & night, sent collection texts & emails but never once sent me proof that I ever signed for a single thing. They also claim I have another account that I have never had. The texts finally stopped when I replied stop however now I am receiving advertisements from local attorneys claiming theyre suing me I have never received anything regarding this either. So not only are they trying to collect money I do not owe but theyre also calling, texting & emailing nonstop & filing a secret lawsuit?? To the point of harassment. They are trying to sue me without ever notifying me. I do not have time nor patience for this. We are still trying to recover from XXXX & XXXX plus, we are still trying to get medical care. All of this compounds & some collection agency out of California, from what I see trying to look them up is trying to harass me. They are adding to the stress of the already stressful situation. I can guarantee I hade NEVER signed for a single purchase or even to set up this account. They claim they will have me arrested for what? I did not break any laws. Maybe they should figure out who made those charges & go after them because it was not me. I havent shopped at XXXX XXXX in many years! Midland credit needs to be investigated for violating the FCRA & Florida collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/2025 Subject : Follow-Up Complaint Against TransUnion for Failure to Resolve Inaccurate Reporting Dear CFPB Representative, I am writing to formally follow up on my previously submitted complaint against TransUnion regarding their inaccurate reporting of a debt associated with XXXX Funding. My initial complaint challenged TransUnions failure to validate the alleged debt, as they have neither provided proper validation from XXXX XXXX nor a signed contract between myself and XXXX XXXX. 

TransUnions response to my initial complaint was wholly inadequate and does not resolve the issue. They have stated, " after careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' However, this response does not address the core issue of their failure to comply with the Fair Credit Reporting Act ( FCRA ) in ensuring that only accurate and verifiable information is reported. Furthermore, TransUnion has taken over 60 days and has yet to properly address or correct this situation, thus violating their obligations under the FCRA ( 15 U.S.C. 1681 ). Specifically, they have : Failed to conduct a reasonable investigation into my dispute as required under FCRA.

Failed to provide me with evidence of proper validation of the reported debt.

Failed to take corrective action within the legally mandated timeframe.

Due to TransUnions noncompliance and their continued failure to remove or correct the inaccurate debt information, I am now seeking monetary relief for the harm caused by their negligent reporting. Their lack of corrective action has negatively impacted my credit profile and caused undue hardship.

I am requesting that the CFPB take the following actions : Conduct a thorough review of TransUnions failure to comply with the FCRA in handling my dispute.

Direct TransUnion to immediately remove the unverified debt from my credit report.

Impose appropriate penalties on TransUnion for their failure to adhere to federal regulations.

Ensure that I am compensated for damages resulting from their failure to correct their reporting. 

Please keep me informed on the next steps in addressing this matter. I appreciate your attention to this complaint and your continued efforts in ensuring consumer protection. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: UT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. UNTITLED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In XXXX according to, I opened a XXXX XXXX credit card to build credit and to purchase items for my child. The last payment received was XXXX. I was also taken to court as well. I informed them of income change and could not meet the requirements and to see if a different amount could be worked out monthly. The original debt/account has been frequently sold and I have been notified as going to be sued. I recently started to receive overwhelming letters and phone calls about the issue. I called today, XX/XX/XXXX to collect information however the representative from XXXX  appeared to be impatient, rude, and showed no empathy at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX i tried to log in my cashapp account only to find out it was closed for a unknown reason i called support and they refuse to explain why my account was closed for no reason, in the past i had made reports funds missing from my account only to report to a support bot which is not a real person for customer support!!! cashapp has not made a investigation on why my account was closed and the creditor rfuse to explian why it has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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