vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-25 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB reported a case responded to and closed it, though the case has never been responded to, only repeated back, and is still fully open. 

Both I and XXXX XXXX XXXX brought to Equifax and CFPB that the falsification of my credit card has been investigated and Equifax is negligent. 

Equifax sends the below every 30 days : Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. 

This has been going on for YEARS - Equifax is falsifying my credit report and CFPB is complicit - see excerpt of previous : This is exactly why Trump and his voters like me want CFPB employees fired. Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notified me the company responded. Equifax did not respond ; it returned the complaint. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. 

Equifax continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the complaint back to CFPB. Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is, Equifax IS a credit reporting agency, who exists solely to report creditors. 

CFPB and Equifax are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management has been contacting me over debt that is not on my credit report anymore. They have called me from different numbers and have left voicemails trying to get ahold of me. The numbers include XXXX, XXXX, XXXX, XXXX. I do not owe XXXX XXXX anything and it is not on my credit report. I am tired of XXXX harassing me, calling me while I am at work and calling from different numbers hoping for an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2025, I placed an order for two items XXXX XXXX -- which were gifts ; Order # : XXXX. One item cost {$67.00} and the other {$190.00}. Upon receipt of the order around XX/XX/XXXX, one of the two items was the wrong size. I contacted Macy 's for a resolution. I was told that I could return the XXXXXXXX XXXX XXXX. After speaking with Macy 's corporate office ( XXXX XXXX XXXX ) and chatting with a rep, I returned the XXXX  for a refund. I returned the item with the label that was provided by Macy 's and received an email that they received and credited me on XX/XX/2025 ; return completed date XX/XX/2025. I returned the item, but the credit wasnt posted to my account. 

When I received my statement with a payment due date of XX/XX/2025, NO PAYMENT WAS DUE. I made an online payment of {$67.00} on XX/XX/2025 to pay for the one item I ordered which came in the right size ; I kept. 

I received the statement with a payment due date of XX/XX/2025 and it reflected a balance of {$260.00}. I considered it may take time for Macy 's and their credit card Citibank to catch up with the return. 

When I checked the online account around XX/XX/XXXX to make sure I received the credit for the {$190.00} XXXX I returned. However, in checking the statement with a payment due date of XX/XX/2025 it reflected my payment of {$200.00} was past due. I then attempted to dispute the bill online on but Macy's.com system does not have that option available on line TO DISPUTE THE BILL. The only option is dispute a charge. 

Citibank Macys Account Statement due XX/XX/2025 reflects my payment as past due coupled with a {$30.00} late fee plus interest. when it should be {$0.00} with NO PAYMENT DUE. The most recent statement with a payment due date of XX/XX/2025 Payment Information is a New Balance {$240.00} with a minimum payment due of {$68.00} -- whereas the statement should reflect NO PAYMENT DUE. 

I do not owe any money to Macy 's Credit Card/Citibank ..

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 monetary relief
Consumer complaint received 2025-04-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: FL

Complaint narrative:
During covid I had this credit card and was paying it off in increments. Also I spoke with a representative about not having the fees on the card for interest due to covid. I was never warned the interest would be back on the card and as i was paying it off they put the interest charges back on it. I was beginning to pay more in fees due to their charges when I was told there would be no fees. Now it is even past the card limit of XXXX due to their fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Top Asset Solutions, LLC
State: PR

Complaint narrative:
I was checking my credit report and I noticed that I have some accounts that doesnt belong to me, I need that you verify these accounts and in the absence of any verification, please remove it from my credit report as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 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 2025-04-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Failure to Provide Proper Disclosure under FDCPA Section 805 ( e ) ( 11 ) Dear : MIDLAND CRED - XXXX ___I am writing to formally dispute the manner in which your company has communicated with me regarding an alleged debt. Specifically, I believe that your communications have violated the Fair Debt Collection Practices Act ( FDCPA ), Section 805 ( e ) ( 11 ), which requires that debt collectors clearly disclose : During the initial communication, that they are attempting to collect a debt and that any information obtained will be used for that purpose.

In subsequent communications, that the communication is from a debt collector.

Your [ specify : phone call, letter, email, etc. ], dated [ date of communication ], did not include the required disclosure. As you may know, failure to comply with this section constitutes a violation of federal law and may result in legal consequences.

I request that you : Immediately cease further communication with me unless proper disclosure is provided. 

Provide written confirmation that you have corrected your practices in compliance with FDCPA regulations. 

Cease all collection activities on the alleged debt until you provide validation of the debt in compliance with Section 809 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-25 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. 

Experian- 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 2025-04-25 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
This is in reference to the prematurely closed complaint XXXX. In their response, US Bank implies that I did not respond to their requests for additional information. That is not correct. I responded by uploading my response to their online portal. Another example of their backend systems being faulty, which they refuse to acknowledge. They really should be investigated.

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 2025-04-25 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: NY

Complaint narrative:
Im reaching out with urgency and frustration because my credit report contains inaccurate personal information, which has led to the appearance of an account that Ive never seen or authorized. Ive been a victim of identity theft, and my information was clearly used without my consent. I followed all proper procedures, including filing an FTC identity theft report as advised by Experian, yet this fraudulent account is still showing. This is incredibly distressing, especially since Ive already taken the right steps to resolve it.

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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I'm been asking for assistance woth my vehicle payment through ally bank and they keep refusing to help me, then they called my mother whom I haven't spoken with in 4 years, they gave her all of my info, address phone number and what I make a year and now she has all my personal information that she did not have before. Posting it all over XXXX that I'm late on my vehicle payment, texting me and harassing me. She is not on the loan, I never have ally permission to call anyone about my loan. I have spoken them them when they call me so I'm not sure how or why they reached out to her. I had to request them to not call her again.... like what? She's not on the loan. So I'm speaking with my lawyer about this and all the information they actually gave her! Big no no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I am writing to file a formal complaint and request an immediate reinvestigation into an inaccurate and unverified charge-off being reported on my credit file by XXXX XXXX XXXX, account number XXXX. 

Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below. 


FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit agencies should double-check their data for top-notch accuracy. Listing monthly late payments after an account 's been closed and charged off gives the wrong impression, causing multiple denials for credit.

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item, and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is unlawful.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of supporting documentation violates the duty to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. 


FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( b ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that was also shows inconsistent and inaccurate reporting.

FDCPA 809 ( b ) If this debt has been assigned or sold, I have a right to request validation. No debt validation has been provided to confirm legal ownership or amount owed.

I am respectfully requesting that the Consumer Financial Protection Bureau intervene and require the following : Full validation documentation of the alleged charge-off. 


Removal of the charge-off if the information can not be verified under FCRA and FDCPA guidelines. 


An investigation into the credit bureaus and data furnishers failure to uphold FCRA obligations. 


This erroneous reporting is causing financial and emotional distress, and I am seeking resolution under my consumer protection rights. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation