vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX ( 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 XXXX 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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-11 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: PA

Complaint narrative:
I am disputing the account reported as XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX. The reporting is inaccurate because the account should reflect a balance, the balance updates are incorrect, and the monthly payment information is not accurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a full investigation and correction of this information. If the accuracy of the account can not be verified, it must be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: VA

Complaint narrative:
Subject : XXXX  Reporting Inaccurate Collection Account Consumer Reporting Agency : XXXX  Issue : Incorrect information on credit report Details of the Complaint : I am disputing inaccurate information that XXXX  is reporting on my credit file. The item is a collection account from National Recovery Agen with the Original Creditor listed as XXXX XXXX XXXX XXXX XXXX. 

Account Number ( partial ) : XXXX Balance : {$970.00} Date Opened : XX/XX/year> Status : Collection account. {$970.00} past due as of XX/XX/year>. 


This information is inaccurate for the following reasons : 1. I have not received any documentation validating this debt.

2. The balance and status updates are inconsistent with my records.

3. XXXX  has continued to report this item despite my previous dispute.

I have attached a screenshot of the XXXX  report showing the disputed entry. 

Supporting Information : On XX/XX/year>, the CFPB announced a new enforcement action and fine against XXXX  for failing to maintain accurate credit reporting and for mishandling consumer disputes. This demonstrates a pattern of similar issues. 

Requested Resolution : Remove the inaccurate collection account from my XXXX  credit file. 

Provide written confirmation once the correction is complete. 


Attachment : Screenshot of the XXXX  report showing the disputed collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
My name is XXXX XXXX ( DOB : XX/XX/XXXX, SSN ending in XXXX ). I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I am a documented victim of identity theft, as confirmed by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). My personal information was used without my authorization to create fraudulent accounts, inquiries, and identifiers that now appear on my credit reports. 

Fraudulent Accounts and Inquiries Credit Collection Services, Account # XXXX, Balance {$180.00} I never opened or authorized this account. 
XXXX XXXX XXXX, Account # XXXX, Balance {$460.00} I did not authorize this debt, and no signed documentation exists linking me to it. 
Unauthorized Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this company. 

Fraudulent Personal Identifiers Reported The credit bureaus are reporting names and addresses that do not belong to me : Name variation : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These inaccurate identifiers create a high risk of mixed files, further fraud, and privacy violations. 

Actions Taken On XX/XX/XXXX, I sent formal disputes to TransUnion, Experian, and Equifax with supporting documentation, including my FTC Identity Theft Report, government-issued ID, and proof of address. In those disputes, I cited my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) ( 1 ) requiring deletion of information resulting from identity theft. 
FCRA 611 requiring reinvestigation of disputed items.

FCRA 604 ( a ) prohibiting consumer report access without a permissible purpose.

15 U.S.C. 1681 ( a ) ( 4 ) protecting consumer privacy rights.

Despite my disputes and legal documentation, these fraudulent accounts, inquiries, and identifiers remain on my reports. This failure to remove clearly unauthorized items constitutes continued furnishing of inaccurate data in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
They insured my husband without my permission and he wasnt on my insurance card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am extremely frustrated because I just checked my credit report this morning, and the inaccurate late payments are still there. I refreshed my browser thinking it was a glitch, but nothing changed. I need this issue resolved immediately and I am asking that the documents Ive sent be reviewed thoroughly so I can finally stop stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MT

Complaint narrative:
I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting socumentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the Bank of XXXX XXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being

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 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX & XXXX CARD/XXXX  BANK XXXX XXXX XXXXLate Date XX/XX/XXXX XXXX 
These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXXXXXX XXXX  collection debt appeared on my credit report, first and foremost I don't owe them and I do not know how in the world discount came up that I never had. I have been a victim in the past of credit fraud. I also reported it several times to the FTC as well. Now it is happening again, even with inquiries, but thank God no one was able to get anything through that. My credits are all locked now this is coming up from XXXX something that I know I have not done and have given no one permission to do. The only way this could have happened if my tenant got a hold of my personal information through my mail box I'm Internet to the officer when this first happen with the fraud on my credit with credit cards and opening the banking. However, that all straightened out. 
These inquiries was also noticed on my credit report that i never applied for see below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies Thanks for you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX / Acct # XXXX. The account contains multiple false entries including incorrect balance, wrong dates, and inaccurate status. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit bureaus to report with maximum possible accuracy.

You are required to conduct a full reinvestigation. If the furnisher can not prove the accuracy of every detail, this account must be deleted immediately

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Demand for Validation Under 15 U.S.C. 1692g Cease Collection and Remove Account To Whom It May Concern, This letter serves as a formal demand that you IMMEDIATELY CEASE all collection activities regarding the alleged debt referenced in your recent communication. 

Under 15 U.S.C. 1692g, you are legally obligated to provide full debt validation upon request. Consider this notice my demand for complete and itemized verification of this debt, including : A copy of the original signed contract or agreement bearing my signature Full accounting and itemized breakdown of the alleged amount Proof of your legal standing to collect on this account, including chain of custody or assignment from the original creditor The name and address of the original creditor Until such documentation is produced, you violate federal law, and any attempt to report this account to a credit bureau, contact me again, or escalate collection efforts will be considered a willful breach of 15 U.S.C. 1692e and 1692d, prohibiting false representation and harassment. 

If you fail to comply within 15 calendar days, I will proceed with filing formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I will also consider civil litigation for damages associated with harassment, defamation, and emotional distress. 

This is not a negotiation it is a demand grounded in federal law. You may either comply or face direct legal consequences. 


Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Original Creditor : THE XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
It is frustrating to know that my rights as a consumer are being overlooked. Like anyone else, I value my credit standing, yet the inaccuracies in my report have hurt my financial opportunities and taken a toll on my well-being. Despite my repeated attempts to address these issues, my concerns have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports ) XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 bankruptcy discharged 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 2025-09-12 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: IL

Complaint narrative:
this appeared on. my credit report and does not belong to me. police have already been notified. 

collection from : XXXX XXXXXXXX  and XXXX  amount : {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
Im being pursued on an alleged consumer debt by XXXX ( via Jenkins & Young, P.C. ). On XX/XX/year>, the firm stated that any substantial settlement discount would require me to provide hardship documents, including highly personal records. They also reframed my refusal to provide medical/financial records as a rejection of settlement. Im willing to settle, but conditioning settlement on intrusive documentation is unreasonable. Im requesting CFPB assistance to : ( 1 ) stop this practice, ( 2 ) require written communications only, and ( 3 ) have the company offer terms without requiring disclosure of medical/private financial records. Attachments include the emails dated XX/XX/year> showing the demands and offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation