vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
This complaint supplements CFPB Complaint # XXXX, originally filed on XX/XX/year>, regarding Equifaxs failure to comply with the identity theft blocking provisions under 15 U.S.C. 1681c-2. 

Summary of Complaint I submitted a full identity theft dispute package to Equifax via certified mail, which was delivered on XX/XX/year>. This package included : FTC Identity Theft Affidavit Police Report Government-issued ID Proof of address List of disputed accounts Equifax has failed to respond directly or take any action, and continues to report the following fraudulent accounts : Fraudulent Accounts Still Being Reported by Equifax XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are identity theft-related tradelines that must be blocked within 4 business days under federal law. To date, Equifax has not provided any confirmation that these accounts have been blocked. 

Comparative Compliance from Experian To show that my package was valid and complete : Experian received the exact same identity theft package on XX/XX/year> and responded by blocking the fraudulent accounts from my report. This confirms the documentation I submitted was sufficient and legally compliant. 

Interim Response from Equifax Equifax responded to the original CFPB complaint only with a vague statement on XX/XX/XXXX, saying they " need more time '' to investigate. This is not a valid excuse under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Formal Complaint Regarding XXXX Failure to Validate and Correct Regional Acceptance Account Demand for Immediate Removal To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning inaccurate reporting and failure to validate my Regional Acceptance account on my XXXX  credit report. 

The account is currently reported with incorrect monthly information, which does not comply with XXXX XXXX reporting standards for accurate account status and payment history. This misreporting misleads creditors and causes unjust harm to my credit profile. 

I previously disputed this information with XXXX. While XXXX  claims to have reinvestigated the account, they have failed to provide any documentation or evidence demonstrating proper verification or validation of the account data by Regional Acceptance, as required under FCRA Section 611 ( 15 U.S.C. 1681i ) and Section 623 ( a ) ( 15 U.S.C. 1681s-2 ).

Moreover, Regional Acceptance is a known subprime, predatory lender that has been previously involved in a class action lawsuit for the reporting of inaccurate information and overcharging customers. This history underscores the critical need for thorough validation before any such information is reported. 

XXXX  and Regional Acceptance are legally obligated to ensure the accuracy, completeness, and legitimacy of all furnished information. Their failure to validate the disputed data constitutes a willful violation of the FCRA and my consumer rights. 

Therefore, I demand immediate removal of the inaccurate Regional Acceptance account information from my XXXX  credit report until proper validation and verification can be provided.

Please acknowledge receipt of this complaint and provide a detailed written response within 30 days, outlining your plan of action, in full compliance with federal law.

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 2025-08-29 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-08-29 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 a consumer repo
rting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Recently, my husband and I had to have our HAVAC system replaced. The company who did the work uses Goodleap for financing.

We have a {$17000.00} loan with Goodleap for the work, but we have two issues. 
XXXX  XXXX is with the XXXX company, XXXX XXXX XXXX They STILL have not told us how much we are paying for a maintenance plan is the forced into the deal nor have this disclosed those terms. 
This has been reported to the State.

The Second Issue is with Goodleap. We have reported these concerns to Goodleap they did have not returned phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 am filing this complaint against the XXXX major credit reporting agencies Experian, and Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate, consistent, and verifiable information on my consumer credit reports. 
I have disputed multiple accounts directly with the CRAs, and the inaccuracies remain. These include, but are not limited to : XXXX. XXXX XXXX inconsistent open dates, payment history, and high credit reporting. 
XXXX. XXXX conflicting payment statuses ( XX/XX/year> days ) and high credit discrepancies. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( {$0.00} vs {$7.00} ) and contradictory late/current statuses. 
XXXX. XXXX XXXX XXXXXXXX XXXX in high credit ( {$9700.00} vs {$12000.00} ) and late reporting ( XXXX vs 150 days ). 
XXXX. XXXX XXXX ( XXXX, Closed ) inconsistent late statuses and high credit reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contradictory comments ( charged off vs dispute resolved ) andconflicting payment histories. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inconsistent lates and contradictory comments. 
XXXX. XXXX XXXX differing credit limits ( {$16000.00} vs {$0.00} ), high credit, and payment statuses ( charge-offvs XXXX ). 
These inaccuracies violate : - 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

- 15 U.S.C. 1681i Duty to conduct reinvestigation of disputed information.

- 15 U.S.C. 611 ( a ) ( 7 ) Right to receive the Method of Verification when an account is verified.

The inconsistent and contradictory reporting is materially damaging to my credit profile and financial opportunities.

I respectfully request that the CFPB : 1. Investigate the CRAs failure to report accurate information.

2. Compel deletion or correction of the disputed accounts.

3. Require the CRAs to provide the Method of Verification ( MOV ), including the name of the furnishersrepresentative contacted, the date, and the records reviewed.

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 2025-08-29 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management XXXX, has harassed me for MONTHS if not over 1 year not via telephone & i spoke to one of their debt collectors that called me and requested information regarding what this debt was or who is claiming I owe it and the woman on the phone would not provide me with any information so I could dispute it or try and get to the bottom of this, I have filed a dispute with the credit bureau because I was not aware of this credit card debt they are claiming I owe & it is still in the dispute process. Midland credit management XXXX has also attempted to contact my employer & now have filed a civil lawsuit against me trying to collect a debt I'm actively disputing as not mine, after doing everything they are NOT suppose to do! They have never sent me proof of this debt they have never provide information when I requested and I have even went as far as calling them back to try and get to the bottom on this and they just hang up the phone on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This correspondence is a formal dispute of a fraudulent account listed under my credit profile. I never opened, authorized, or used this account. Its presence is erroneous and severely damaging to my financial credibility.

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 2025-08-29 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: TX

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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