vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. 

FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. 

Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 
FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. 

Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
Subject : Credit Reporting Complaint Inaccurate and Incomplete Late Payment Reporting To Whom It May Concern, I am submitting this complaint regarding inaccurate and potentially unlawful late payment reporting on my credit file by XXXX XXXX XXXX XXXX related to my XXXX XXXX Loan ( Account # XXXX ). 

My credit report reflects the following delinquencies : 30 days late in XXXX XXXX 60 days late in XXXX XXXX  30 days late in XX/XX/XXXX These late marks are not only inaccurate based on my account activity, but they also appear to violate key provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and the duty to ensure accuracy under 1681e ( b ). 

Reasons for Dispute : Inaccurate Representation of Days Late My XX/XX/XXXX statement shows a past due amount of only {$96.00}, which equals one monthly payment ( {$48.00} ) missednot two full cycles. Therefore, reporting a 60-day late payment is factually incorrect. 

The XX/XX/XXXX statement shows that I made two payments totaling {$96.00} on XX/XX/XXXX and XX/XX/XXXX, which satisfied the past due balance. This demonstrates that I made a good-faith effort to correct any delinquency promptly. 

The XX/XX/XXXX statement also shows only {$96.00} past dueagain, inconsistent with a 60-day or repeated 30-day late report. 

Lack of Required Disclosure and Notice Nowhere in my monthly statements does XXXX XXXX disclose how many days past due I am at the time of the statement. 

There is no clear notice or warning that my account is being reported as late to any credit reporting agency. 

Under the FCRA and guidance from the CFPB, credit furnishers are expected to ensure consumers are adequately informed when derogatory credit information is being reported. 

Failure to Maintain Accurate Records ( FCRA 1681e ( b ) ) Furnishers are required to establish reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting a 60-day delinquency without clear documentation or customer notice is a failure to meet that standard. 

I am requesting : A full investigation into these reporting inaccuracies. 

Immediate removal or correction of the 30-day and 60-day late payments listed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Written confirmation of the outcome and actions taken. 

Attached are the relevant monthly statements for your review. I am submitting this in good faith to protect my rights under federal law and to maintain a fair and accurate credit profile.

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 2025-06-01 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: AZ

Complaint narrative:
I am writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal financial information, which I believe has been mishandled by one of your reporting members. This issue pertains to the requirements set forth in the Gramm-Leach-Biley Act ( GLBA ), specifically to nonaffiliated third parties without proper notice or consent. 

Upon reviewing my recent credit report, I have reason to believe that my nonpublic personal financial information has been shared without my explicit consent, in violation of the GLBA 's privacy provisions. 
Specifically, I would need all collections removed from my credit report. 

Under 15 U.S.C. 6802, financial institutions are required to provide consumers with a notice of their privacy policies and to offer an opportunity to opt-out before disclosing information to third parties. I believe this requirement has been violated in my case. 

I respectfully request that you : 1. Investigate this issue 2. Correct or remove any items on my report that were a result of unauthorized disclosure of my private information. 

3. Ensure that this practice is not in-going or will not continue to effect my credit report. 

Please provide a written response to my dispute within the 30 day period required by the Fair Credit Reporting Act ( FCRA ). If you need further clarification, I am happy to provide additional information as needed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal financial information, which I believe has been mishandled by one of your reporting members. This issue pertains to the requirements set forth in the Gramm-Leach-Biley Act ( GLBA ), specifically to nonaffiliated third parties without proper notice or consent. 

Upon reviewing my recent credit report, I have reason to believe that my nonpublic personal financial information has been shared without my explicit consent, in violation of the GLBA 's privacy provisions. 
Specifically, I would need all collections removed from my credit report. 

Under 15 U.S.C. 6802, financial institutions are required to provide consumers with a notice of their privacy policies and to offer an opportunity to opt-out before disclosing information to third parties. I believe this requirement has been violated in my case. 

I respectfully request that you : 1. Investigate this issue 2. Correct or remove any items on my report that were a result of unauthorized disclosure of my private information. 

3. Ensure that this practice is not in-going or will not continue to effect my credit report. 

Please provide a written response to my dispute within the 30 day period required by the Fair Credit Reporting Act ( FCRA ). If you need further clarification, I am happy to provide additional information as needed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I am disputing inaccurate and misleading information being reported on my credit file by XXXX XXXX and the credit bureaus. The account is incorrectly reporting contradictory statuses, showing both " Paid in Full '' and " Settled for Less than Full Balance. '' These are two mutually exclusive outcomes and can not be true at the same time. This misreporting violates the Fair Credit Reporting Act ( FCRA ) Section 1681i, which mandates that credit reports must have accurate and non-misleading information. 

I have previously disputed this information with the credit reporting agencies, but the inaccurate reporting remains. 

I request that the Consumer Financial Protection Bureau review this issue for accuracy and compliance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and misleading information being reported on my credit file by XXXX XXXX and the credit bureaus. The account is incorrectly reporting contradictory statuses, showing both " Paid in Full '' and " Settled for Less than Full Balance. '' These are two mutually exclusive outcomes and can not be true at the same time. This misreporting violates the Fair Credit Reporting Act ( FCRA ) Section 1681i, which mandates that credit reports must have accurate and non-misleading information. 

I have previously disputed this information with the credit reporting agencies, but the inaccurate reporting remains. 

I request that the Consumer Financial Protection Bureau review this issue for accuracy and compliance with FCRA guidelines.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I do not recognize this account, nor have I ever opened or authorized it. I believe it may be the result of an error, misreporting, or identity theft.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and that the furnisher provide verification of the debt, including original account details and any supporting documentation. Until this debt is validated, I request that it be removed from my credit report as it is negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to Experian XXXX Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-01 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to Experian XXXX Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-01 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: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I am filing this formal complaint and dispute regarding a collection account reported by Credit Corporation Solutions Inc on my credit report. I have no contractual relationship or knowledge of any debt owed to this company. As such, I assert that this debt is either inaccurate, unverifiable, or potentially fraudulent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request proper validation of the alleged debt, including : The name of the original creditor, The amount of the debt with a full itemized breakdown, Proof of my contractual obligation to pay the debt, Evidence that Credit Corporation Solutions Inc has legal authority to collect this debt.

To date, I have not received any legally sufficient validation of this account. such as proof of authority and a contract bearing my signature. Reporting such unverifiable information to credit bureaus constitutes a violation of the FCRA and may be considered false representation under the FDCPA. 

This erroneous reporting is causing substantial harm to my creditworthiness and directly affects my ability to obtain housing, employment, and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I disputed XXXX charges for XXXX and from the very beginning I knew they were going to give me an issue. They took days to credit my account and it usually takes less than a day. One of their employees even called the merchant pretending to be me after closing the issue with the bank. My account was closed for fraud but I told the representative several times that I was forgetful of my number change and she still refused to reverse the account being closed. The two representatives I spoke to was XXXX and her manager XXXX in the Fraud department. This occurred on XX/XX/year>. I can provide recordings of each of my interactions from everyone I spoke to that day. Since then my account has not been able to get into good standing and they are charging me fees even though it is their fault this is occurring. I spoke the merchant directly before disputing because they were unable to refund me without the cooperation of the host. His name is XXXX XXXX and I was told by one of their representatives that he has ties to that department which is not hard to believe since it is his line of work, I believe his partner is employed by the bank. These women took on his personal crusade at the expense of my account and have put me in the position not be able to provide for myself for weeks because of their behavior.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number Date : XX/XX/year> XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
My wife and I signed up on XX/XX/year>, the salesman named XXXX that we spoke to told us that we would NOT see any legal action taken after signing with them. Since signing in XXXX we've had XXXX civil summons issued against us. 
My wife had been begging them since XXXX to settle the very same XXXX accounts that we received summons for. Also, he told us to stop paying all of our debts, which made us sink even further into the hole! I do not believe that the salesman we spoke with was a XXXXinancial advisor, so what he did was illegal! On top of this they are trying to convince people they deserve XXXX XXXX of your total debt as fees when they aren't getting anything done which for us would be close to XXXX. They settled XXXX account, XXXX of the lowest balances that had no interest! The salesman lied to get us enrolled time after time to which I have that entire conversation recorded. Their dishonest business practices and giving XXXX financial advice to us has caused us to be a minimum of XXXX further in debt since he told us to stop paying our bills since we were going to enroll. We trusted them so we followed his advice to our own detriment. We were also told by XXXX that we would be emailed a copy of our contract but to this date we never received such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is making false claims on my credit report for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation