vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Account # XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities and negative credit reporting in relation to Account # XXXX, which allegedly pertains to a utility bill. This account involves services that were essential to operate life-sustaining medical equipment due to my XXXX. I am a XXXX  and a recipient of XXXX XXXX XXXX ( XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) and relevant state consumer protection laws, I assert that further attempts to collect this debt or to report it negatively on my credit file are not only inappropriate, but potentially unlawful, considering that : 1. The utility service in question was directly related to my medical condition and necessary equipment. 


2. I am legally recognized as XXXX and receiving XXXX, which limits my income and protections under the law.

3. The continued reporting of this account negatively is causing undue harm and stress.

Therefore, I demand the following : That you immediately cease all collection attempts related to this account.

That you remove any and all negative reporting from my credit report regarding this account. That you provide written confirmation that you have complied with this request within 15 days of receipt of this letter.

If you do not comply, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney Generals Office, and may pursue further legal action with representation.

This letter is sent in good faith with the hope of resolving this matter amicably. Please direct all future correspondence in writing only. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX fo

r reporting inaccurate, outdated, and potentially unverifiable information to the credit reporting agencies, in direct violation of federal consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

The Fair and Accurate Credit Transactions Act ( FACTA ) Accounts in Question : Creditor : XXXX XXXX XXXX Account Numbers : XXXXXXXX XXXX XXXXXXXX Status : Charged-off and/or closed accounts still being reported negatively Balance Reported : Various ( including paid/closed accounts still showing derogatory marks ) Grounds for Dispute : Violation of 15 U.S. Code 1681s-2 ( b ) : Furnishers of information are required to investigate and correct any disputed information. Despite prior disputes, XXXX continues to report unverifiable and inconsistent data without providing documentation of a lawful investigation. 

Violation of 1681c ( FCRA Obsolete Information ) : Negative information such as charge-offs can not be reported beyond 7 years from the date of the first delinquency. Some of these accounts are over 7 years old and still negatively impacting my report.

Violation of 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Experian and/or other bureaus have allowed these accounts to remain with inaccurate and outdated details, failing this legal standard. 

Violation of 1692e of the FDCPA ( False or Misleading Representations ) : Reporting a debt as unpaid when it has been charged off, closed, or paid violates the prohibition on misleading or deceptive practices. 

Violation of 1681i ( Failure to Reinvestigate ) : After filing prior disputes with credit bureaus, no proper reinvestigation was conducted as required by law. The errors persist without proper verification.

Violation of FACTA ( Inaccurate Record-Keeping ) : The data management regarding this account appears outdated, misclassified, and lacks proper records, as no valid documentation has ever been provided upon dispute.

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 2025-08-06 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:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX fo

r reporting inaccurate, outdated, and potentially unverifiable information to the credit reporting agencies, in direct violation of federal consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

The Fair and Accurate Credit Transactions Act ( FACTA ) Accounts in Question : Creditor : XXXX XXXX XXXX Account Numbers : XXXXXXXX XXXX XXXXXXXX Status : Charged-off and/or closed accounts still being reported negatively Balance Reported : Various ( including paid/closed accounts still showing derogatory marks ) Grounds for Dispute : Violation of 15 U.S. Code 1681s-2 ( b ) : Furnishers of information are required to investigate and correct any disputed information. Despite prior disputes, XXXX continues to report unverifiable and inconsistent data without providing documentation of a lawful investigation. 

Violation of 1681c ( FCRA Obsolete Information ) : Negative information such as charge-offs can not be reported beyond 7 years from the date of the first delinquency. Some of these accounts are over 7 years old and still negatively impacting my report.

Violation of 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Experian and/or other bureaus have allowed these accounts to remain with inaccurate and outdated details, failing this legal standard. 

Violation of 1692e of the FDCPA ( False or Misleading Representations ) : Reporting a debt as unpaid when it has been charged off, closed, or paid violates the prohibition on misleading or deceptive practices. 

Violation of 1681i ( Failure to Reinvestigate ) : After filing prior disputes with credit bureaus, no proper reinvestigation was conducted as required by law. The errors persist without proper verification.

Violation of FACTA ( Inaccurate Record-Keeping ) : The data management regarding this account appears outdated, misclassified, and lacks proper records, as no valid documentation has ever been provided upon dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing a complaint regarding a dispute with XXXX  that involves another member. I have already filed a complaint regarding this dispute and I am refiling because of new information and unsatisfactory resolution. 

XX/XX/year> I transferred {$7100.00} to XXXX XXXX. The amount was incorrect and I immediately requested the difference of {$5400.00} from XXXX XXXX and she completed my request {$5400.00} that same evening. I transferred that amount into my bank account at XXXX. 
XX/XX/year> XXXX XXXX disputed the charge with XXXX ( where she also has a bank account ). She claims that she filed a dispute because the {$5400.00} was taken from her bank account instead of her XXXX  account, as she expected XXXX 2025 XXXX reportedly XXXX in her favor and the amount was refunded to XXXX by XXXX. I have, jointly with XXXX XXXX, asked XXXX  for a record of this transaction and they did not provide it. 

XXXX  has frozen my account pending payment of {$5400.00} ( now minus {$7.00} ). are now requesting that amount from me and have frozen my account pending payment. In the meantime, if anyone sends me money, it gets credited toward that balance. ( For example, someone sent me {$7.00} on XX/XX/XXXX ). I have requested that they demand these funds from the other user, since XXXX XXXX is the one who has the additional money. I have also newly learned that XXXX XXXX has had her XXXX  account frozen on more than XXXX occasion for failure to complete with Terms of Service. I filed an additional complaint with XXXX  at the direction of a Supervisor with the Customer Support Team but was told XX/XX/year> that they will not be taking additional action. They have continued to ask me to come to a resolution with the other user, which I have attempted. They have made no attempt to help or assist me in recovering the money from the other user who is clearly violated their Terms of Service. Again, they have not provided proof that this money was paid and they will not address this with the other user. I am attaching email communications between me and XXXX  customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: DC

Complaint narrative:
The XXXX XXXX XXXX with account number ending with XXXX. Is currently reporting as late for XX/XX/year>. This is incorrect, XXXX provided an update to the credit bureaus but the information has not been updated. Please see the attached responses from XXXX advising that the status was updated/corrected to never late and a credit provided to my account. 

I am not sure what the delay is but I would appreciate this matter being addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OK

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, National Recovery, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. Under these changes, no medical collection under {$500.00} may be reported, and for debts exceeding this threshold, a minimum of one year must pass from the time of delinquency before they are eligible to appear on a consumer credit report. Furthermore, as of XX/XX/year>, the Consumer Financial Protection Bureau finalized changes to Regulation V. These updates explicitly prohibit consumer reporting agencies from including medical debt information on credit reports or factoring it into credit scores provided to lenders.

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 2025-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Someone open student loan under my name fraudulently. I made police report, summit all the documents to aidvantage. Cant even talk to fraud department at aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-06 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a notice from Fair collections and outsourcing as a debt collector trying to collect a debt that was owed to an apartment complex called XXXX XXXXXXXX. The date on the notice is XX/XX/year> and the name of the person incurring the debt is XXXX XXXX XXXX. I am not responsible for this death. The reference number is XXXX. This debt is not mine, and I would like to hear no more about it. It Is for {$380.00}. I have sent the company ceased and desist letter.

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 2025-08-06 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: IL

Complaint narrative:
Incorrect publishing of credit report stated it was a XXXX, which its not. My credit scorXXXX is over XXXX. XXXX and vantage both. I am contesting on all three credit bureaus but definitely Trans union. XXXX XXXX XXXX stated my credit was reduced from {$2000.00} to {$500.00} due to not using overt 6 months. Which is less than 6 months and my credit score was low. Both are incorrect. I need this resolved.

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 2025-08-06 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: GA

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 four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
An account I have never opened is being reported under my personal credit profile. I did not initiate or approve the opening of this account, and I have no business relationship with the company listed. Its presence on my credit report is fraudulent, harmful, and must be treated as an error requiring urgent correction.

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