vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This account was charged off and is yet repeatedly being updated as a charge off every month. This is an update on the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to properly investigate this account and your negligence has violated my rights. I am Demanding a deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Date : XX/XX/XXXX To : Midland Credit Management , Inc . 
XXXX  XXXX XXXX XXXX, MI XXXX Subject : Formal Demand for Debt Validation Account No. XXXX / Alleged Balance : {$8800.00} Dear Midland Credit Management, This letter is a formal demand for complete debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You have reported or attempted to collect on a debt allegedly owed by me, associated with the following : Account Number : XXXX Alleged Balance : {$8800.00} I hereby demand that you provide complete and verifiable documentation that proves this debt is valid, legally enforceable, and that you have the right to collect on it. 

DEMAND FOR DOCUMENTATION FEDERAL STATUTES INVOKED As required under 15 U.S.C. 1692g, 1692c, 1681b ( a ) ( 2 ), and 1681e ( b ), provide the following : A copy of the original signed contract or agreement with the original creditor, bearing my signature. 
Proof of ownership of the debt, including a full chain of assignment or bill of sale from the original creditor to Midland Credit Management. 
Proof I was legally notified that the account was transferred or sold to your agency, as required under 15 U.S.C. 1681b ( a ) ( 2 ).

Evidence that you have permissible purpose to access or report my credit information under the FCRA.

A complete itemized breakdown of how the {$8800.00} balance was calculated ( principal, interest, fees, etc. ).

Documentation confirming that all information reported to the credit bureaus is accurate, complete, and fully verifiable, as required by 15 U.S.C. 1681e ( b ). 
CEASE COLLECTION ACTIVITY IMMEDIATELY Until you comply fully with this request : Cease all collection activity, including phone calls, emails, letters, or legal threats. 
Do not report or continue to report this account to any credit reporting agency without proper validation. 
Failure to provide the above documentation is a violation of federal law. If you do not comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General, and I will pursue all available legal remedies. 

This is your official notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} 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 XXXXXX/XX/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 2025-07-17 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, 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 2025-07-17 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Subject : Second Submission Continued Reporting of Fraudulent Accounts To Whom It May Concern, This is a formal follow-up regarding identity misuse that I previously reported to your office on XX/XX/year>. As of today, your agency is still reporting fraudulent accounts that were fully documented in my original submission.

Attached again is the official FTC Identity Theft Report ( # XXXX ) and now an additional letter from the XXXX Police Department ( Case XXXX ) confirming I am a victim of an active crime investigation. This strengthens and further validates my initial filing under federal law. 

Despite this, [ Experian : XXXX XXXX ]/ [ Equifax : XXXX XXXX and three XXXX XXXX XXXXXXXX accounts ] as well as the following INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to appear in my file. These accounts were opened during a time when I was XXXX  and unable to authorize or initiate any financial activity.

According to FCRA 605B, your agency was required to block the disputed accounts within 4 business days of receiving my complete documentation. That legal timeline has already passed, and your continued inaction is now in direct violation of federal consumer protection law.

Furthermore, Equifax is also in violation of Metro 2 compliance guidelines by continuing to report XXXX XXXX XXXXXXXX accounts that both Experian and TransUnion have already removed. The reporting inconsistency alone indicates a failure to meet uniform data furnishing standards.

Experian has also violated Metro 2 by continuing to report the XXXX XXXX account despite receiving all required identity theft documentation. These inconsistencies demonstrate a broader pattern of non-compliance with federally regulated credit reporting practices.

This letter, along with the newly attached law enforcement verification, reaffirms my demand for immediate correction. Please send written confirmation once all related items have been fully removed. I am also reserving the right to file complaints with the CFPB, state attorney general, or initiate private legal action if this matter is not resolved swiftly.

Enclosed Documents : ( 1 ) - Updated FTC Identity Theft Report # XXXX ( XXXX ) - XXXX Police Department Victim Letter ( XXXX ) & EMAIL OF POLICE REPORT ( 1 ) - Copy of my government-issued ID PASSPORT ( 1 ) - Copy of my government issued SSN CARD ( 1 ) - Proof of address UTILITY BILL ( 2 ) - TRANSUNION & EXPERIAN CREDIT REPORTS ( SHOWING EQUIFAX METRO2 REPORTING VIOLATIONS ( 2 ) - OFFICIAL DISPUTE LETTERS TO EQUIFAX IN WILLFUL VIOLATION OF BLOCKING FRAUDULENT ITEMS LETTER Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-17 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in to be removed.

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. 

KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2025-07-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/year>, my identity was stolen, and as a result, I was locked out of the account I regularly used to make payments. Since then, I have continued to experience issues related to identity theft, including repeated unauthorized access attempts and disruptions to my financial accounts. 

Although I eventually regained access to my account, the ongoing nature of the identity theft has made it difficult to manage my finances consistently. I contacted the Social Security Administration to request a new Social Security number, but they informed me that they were unable to issue a new number at this time.

Due to the persistent nature of the fraud, I filed an official complaint with the Federal Trade Commission ( FTC ) and submitted a police report documenting the ongoing identity theft. 

Despite taking these steps, the situation continues to affect my ability to have full control over my accounts and manage my accounts effectively. I am seeking assistance and protection from further financial harm as a result of this identity theft.

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 2025-07-17 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: PA

Complaint narrative:
In XX/XX/year>, my identity was stolen, and as a result, I was locked out of the account I regularly used to make payments. Since then, I have continued to experience issues related to identity theft, including repeated unauthorized access attempts and disruptions to my financial accounts. 

Although I eventually regained access to my account, the ongoing nature of the identity theft has made it difficult to manage my finances consistently. I contacted the Social Security Administration to request a new Social Security number, but they informed me that they were unable to issue a new number at this time. 

Due to the persistent nature of the fraud, I filed an official complaint with the Federal Trade Commission ( FTC ) and submitted a police report documenting the ongoing identity theft. 

Despite taking these steps, the situation continues to affect my ability to have full control over my accounts and manage my accounts effectively. I am seeking assistance and protection from further financial harm as a result of this identity theft.

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 2025-07-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/year>, my identity was stolen, and as a result, I was locked out of the account I regularly used to make payments. Since then, I have continued to experience issues related to identity theft, including repeated unauthorized access attempts and disruptions to my financial accounts. 

Although I eventually regained access to my account, the ongoing nature of the identity theft has made it difficult to manage my finances consistently. I contacted the Social Security Administration to request a new Social Security number, but they informed me that they were unable to issue a new number at this time. 

Due to the persistent nature of the fraud, I filed an official complaint with the Federal Trade Commission ( FTC ) and submitted a police report documenting the ongoing identity theft. 

Despite taking these steps, the situation continues to affect my ability to have full control over my accounts and manage my accounts effectively. I am seeking assistance and protection from further financial harm as a result of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LEXISNEXIS
State: TX

Complaint narrative:
Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION RE : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE INFORMATION LEGAL ACTION PENDING To Whom It May Concern, This letter serves as a formal demand, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for the immediate deletion and permanent removal of inaccurate, outdated, and unverifiable personal information from my LexisNexis consumer file.

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), LexisNexis must conduct a reasonable reinvestigation within 30 days of receiving a consumers dispute. If the information can not be verified, it must be deleted immediately, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Additionally, 15 U.S.C. 1681e ( b ) mandates that you maintain maximum possible accuracy in your reporting. Your failure to do so is a direct violation of federal law.

DEMAND FOR PROMPT ACTION AND DAMAGES You are hereby instructed to delete the below-mentioned items within 15 business days of receiving this letter and to send me written confirmation of such deletions. Failure to comply will result in : 1. A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) 2. A formal complaint with the Federal Trade Commission ( FTC ) 3. Immediate legal action seeking damages under 15 U.S.C. 1681n, which provides for : Actual damages Punitive damages up to {$1000.00} per violation Attorneys fees and court costs If you do not comply, I will also seek a statutory fee of {$1000.00} per inaccurate item reported, per violation, as allowed by law.

Your refusal or delay to act will be seen as willful noncompliance, and legal proceedings will commence without further notice.

Enclosed are copies of my government-issued identification and proof of address as required. This letter serves as your legal notice. I strongly advise swift and lawful action to avoid further consequences. 
FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XX/XX/year> ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE NUMBER : XXXX EMAIL : XXXX Finally, please send me a copy of the changed consumer report at the earliest.

Thank you for your assistance in this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
account settled and closed i contacted to remove it off of my credit the agent said he did still nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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