vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Inaccurate and Harmful Reporting by Equifax XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against Equifax for their failure to correct inaccurate and harmful reporting related to an auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. 

I voluntarily surrendered the vehicle associated with this account in XX/XX/year>. This action was taken in good faith and in cooperation with the lender. Despite this, Equifax is reporting the account in a way that is misleading, incomplete, and severely damaging to my credit profile. 

Specifically : The account shows a past due balance of {$2000.00}, which I believe is inaccurate and not reflective of the terms of the voluntary surrender. 
A total balance of {$9000.00} is still listed, even though the vehicle was returned and likely resold, which should have been reflected in the reported figures. 
The report includes multiple late payment entries, including a 90-day late mark, which is inappropriate for a voluntarily surrendered vehicle and misleading to future creditors.

Under FCRA Section 607 ( b ), Equifax is required to ensure the maximum possible accuracy of the data they report. Additionally, Section 623 obligates furnishers and credit bureaus to correct or delete information once it is found to be inaccurate or unverifiable.

I have already filed a dispute with Equifax, and they have failed to take any meaningful corrective action. Therefore, I am requesting that the CFPB investigate Equifaxs handling of this account and enforce the following actions : 1. Delete all late payment notations related to this voluntarily surrendered vehicle.

2. Update or remove the reported balance, if it can not be verified with current and accurate data.

3. Remove the account entirely from my credit report, as Equifax has failed to report it accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} DEPT OF EDUCATION/NELN - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DEPT OF XXXX/XXXX  - Account Number XXXX XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX/XXXX  - Account Number : XXXX * * XXXX XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MS

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 2025-05-28 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: CA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>

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 2025-05-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-28 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I sent a check in the amount of {$4700.00} to XXXX XXXX XXXX on XX/XX/year>, to pay off my auto loan. According to my bank records, the check was received and cashed on XX/XX/year>. However, the funds have not been applied to my loan account, and I have not received any clear communication from Southeast Toyota Finance regarding the status of the payment or the next steps. 

Despite my attempts to reach out for clarification and resolution, I have received no satisfactory response. This lack of communication and failure to apply the funds is unacceptable, especially since this was a full loan payoff. I am concerned this may lead to erroneous fees, interest charges, or negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Date : XX/XX/XXXX a Motion of complaint filed in XXXXXXXX XXXX  XXXX XXXX to recover an exasperated debt amount in the amount of {$2000.00} from me. 

I state that I only owed XXXX XXXX at time the debt was written off and Midland then acquired my personal information improperly ( I have proof from XXXX from XXXX ). 

This debt was purchased by Midland Credit Management , Inc. And complaint motion filed agsinst me by their attorney XXXX XXXX XXXX XXXX 

I have disputed this debt more than 3 times via my credit report because I do not owe Midland Credit Management and have never had a Wet Ink Contract with said debt collection company. 

According to 15USC1692 / 15USC1681/ Improper debt practices are abusive. Deceptive and unfair and has violated my rights. I've never received a 1099-C for discharge debt either. I am requesting this as well. Also, Midland continues to re-insert debt collections onto my credit reports after they have already been removed, this is a violation of my rights and deceptive illegal practices. 

I tried to reach out to Attorney XXXX and call was routed to a debt collector agency by the name of selection team ( spoke with debt collector by the name of XXXX XXXX ) advising her I was instructed to call said attorney because the XXXX XXXX XXXXXXXX stated their IT team needed to fix the XXXX website and they dont know how long that will take, therefore I could not respond via XXXX. So, Attorney XXXX was never placed on the line because the call was rerouted to an actual collection agency ( deceptive ) who then asked me to verify all of my information such as name. Last XXXX of my ss # and address which I was very uncomfortable providing. 

I would like this debt removed from my credit reports within XXXX hours and I would also like for all communication to cease and the court complaint to be dismissed for this debt i never owed this company ( XXXX ) based on improper debt collection practices and NO CONTRACT. 

I do not have nor have I ever had a contract with Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 am writing to request a review and removal of several charge-off entries reported on my Experian - XXXX XXXXXXXX Balance : {$550.00} - XXXX XXXXXXXX Balance : {$280.00} - XXXX XXXX Balance : {$13000.00} - XXXX XXXX XXXX Balance : {$330.00} - XXXX XXXXXXXX Balance : {$540.00} - XXXX  Balance : {$1200.00} - XXXX XXXX XXXX Balance : {$780.00} - XXXX Balance : {$600.00} - XXXX XXXX XXXX XXXX Balance : {$700.00} - XXXX XXXX  Balance : {$2700.00} - XXXX XXXX  Balance : {$4400.00} - XXXX  Balance : {$3700.00} These charge-off entries are negatively impacting my credit score and financial well-being. I respec

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 2025-05-28 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: TX

Complaint narrative:
I am writing to request a review and removal of several charge-off entries reported on my Experian - XXXX XXXXXXXX Balance : {$550.00} - XXXX XXXXXXXX Balance : {$280.00} - XXXX XXXX Balance : {$13000.00} - XXXX XXXX XXXX Balance : {$330.00} - XXXX XXXXXXXX Balance : {$540.00} - XXXX  Balance : {$1200.00} - XXXX XXXX XXXX Balance : {$780.00} - XXXX Balance : {$600.00} - XXXX XXXX XXXX XXXX Balance : {$700.00} - XXXX XXXX  Balance : {$2700.00} - XXXX XXXX  Balance : {$4400.00} - XXXX  Balance : {$3700.00} These charge-off entries are negatively impacting my credit score and financial well-being. I respec

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Credit Control, LLC
State: SC

Complaint narrative:
I was contact by a collection agent saying they purchased my account from XXXX XXXX, I was never contacted prior to this transfer of ownership, and would like a letter of verification, or please remove this negative report from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was supposed to receive a payment from XXXX of XXXX and havent received it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 XXXX 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 as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I disputed this account with the credit bureaus and sent a written validation request directly to Credit Corp Solutions. They failed to provide any legally required documentation verifying that this debt belongs to me. No signed contract, no billing statements, and no proof of assignment were ever presented. 

Despite this, they continue to report this unverifiable debt, knowingly damaging my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), they are required to validate the debt upon request and cease collection until they do which they failed to do. 

This account is either not mine or lacks proper legal standing to be collected or reported, and their ongoing failure to verify constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I had auto-pay set up on my XXXX student loan. I received no notifications that payments failed. While I was dealing with personal health issues and international travel to XXXX, I was unaware of any delinquency. Once I saw the late mark on my credit report, I paid the loan in full immediately. 

I emailed XXXX twice and received no response. I attempted to call, but the wait times exceeded 8 hours. 

I'm a single mother applying for a mortgage, and this error has dropped my credit score by over XXXX points, putting my familys future at risk. 

XXXX has already deleted this from my credit file after review. I request that this item also be removed from my Experian report as a matter of fairness and accuracy.

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 2025-05-28 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: CA

Complaint narrative:
I had auto-pay set up on my XXXX student loan. I received no notifications that payments failed. While I was dealing with personal health issues and international travel to XXXX, I was unaware of any delinquency. Once I saw the late mark on my credit report, I paid the loan in full immediately. 

I emailed XXXX twice and received no response. I attempted to call, but the wait times exceeded 8 hours. 

I'm a single mother applying for a mortgage, and this error has dropped my credit score by over XXXX points, putting my familys future at risk. 

XXXX  has already deleted this from my credit file after review. I request that this item also be removed from my XXXX  report as a matter of fairness and accuracy.

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 2025-05-28 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and cease and desist request under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

lam requesting that you cease and desist all collection activity related to any alleged account that you claim I owe. I do not acknowledge ownership of any such debt.

Additionally, I am disputing the accuracy and/or validity of any negative information you may be reporting to the credit bureaus. If you are furnishing information to any reporting agency, you are required to verify its accuracy, or it must be deleted immediately.

Do not contact me by phone. All communication must be in writing. Failure to comply with this request and continued attempts to collect on unverified debt will result in legal action.

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