vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: MA

Complaint narrative:
I have had multiple issues with this bank. I was offered a partial refund for dental work not completed in XX/XX/year>. XXXX XXXX XXXX claims they gave me credit for this but I do not see any evidence of this. As it was a refund for work not completed and should never have been charged, it should not be subject to interest and fees. There is no evidence that they gave me credit as it is not listed in payments or reflected on the balance. They are reporting the account as late despite making payments every month other than the time it was supposed to be under investigation. They did not complete the investigation because the dentist confessed I was owed an additional XXXX. If they had truly investigated they would have discovered this. I have not signed the agreement as the credit company has not been honest about applying previous credit. 
They also rely on the confusion of who is responsible. There are multiple entities associated with the account. XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached proof of payments for the past year. Unfortunately I can not see the payments over XXXX. Note there was only a gap while under investigation. They had reversed lates on my credit report but have recently started applying late charges and reporting latest to the credit bureaus out of nowhere. Also note there is no credit for the {$2500.00}. It is also not reflected in the balance just in case they claim it was not a payment. 
I have also attached screenshots of what should have been charged and proof the dentist admitted the ledger was inaccurate and I was owed {$6500.00} in total

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 2025-11-09 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: MA

Complaint narrative:
I have had multiple issues with this bank. I was offered a partial refund for dental work not completed in XX/XX/year>. XXXX XXXX XXXX XXXX they gave me credit for this but I do not see any evidence of this. As it was a refund for work not completed and should never have been charged, it should not be subject to interest and fees. There is no evidence that they gave me credit as it is not listed in payments or reflected on the balance. They are reporting the account as late despite making payments every month other than the time it was supposed to be under investigation. They did not complete the investigation because the dentist confessed I was owed an additional XXXX. If they had truly investigated they would have discovered this. I have not signed the agreement as the credit company has not been honest about applying previous credit. 
They also rely on the confusion of who is responsible. There are multiple entities associated with the account. XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached proof of payments for the past year. Unfortunately I can not see the payments over XXXX. Note there was only a gap while under investigation. They had reversed lates on my credit report but have recently started applying late charges and reporting latest to the credit bureaus out of nowhere. Also note there is no credit for the {$2500.00}. It is also not reflected in the balance just in case they claim it was not a payment. 
I have also attached screenshots of what should have been charged and proof the dentist admitted the ledger was inaccurate and I was owed {$6500.00} in total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX XXXX  has attempted to collect and report an alleged Discover Bank debt that has also been handled by XXXX XXXX XXXX XXXX  Each collector, along with Discover Bank, is furnishing conflicting information to the three major consumer reporting agencies XXXX XXXX XXXX XXXXThe reported inconsistencies include different Date Opened, Date of Last Payment, Date Last Reported, and Account Status/Comments fields for what appears to be the same obligationXXXXThese conflicts make my credit file materially inaccurate and misleading in violation of FCRA 1681e(b) and 1681s-2(b)XXXXI previously sent certified disputes to both Discover Bank and XXXX XXXX XXXX and each was received and signed for (USPS Form XXXX  attached)XXXXDespite receiving noticeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continued to furnish inaccurate data and failed to mark the account as disputed, violating FDCPA 1692g(b) and 1692e(8)XXXXThis pattern shows reckless disregard for data accuracy and consumer rights.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I state that the false late payment entries on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over XXXX  days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within XXXX  days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over XXXX  days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within XXXX  days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the collection account reported on my credit report by Midland Credit Management. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am entitled to a reinvestigation of the accuracy of this information, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of the debt.

I challenge the validity of this debt because Midland Credit Management has failed to provide proof of ownership, including the chain of title or forward flow agreement, establishing my obligation to pay the debt in question. As a debt collector and debt buyer, Midland Credit Management bears the legal responsibility to verify the debt they are attempting to collect, including providing sufficient documentation that proves they own the debt and that I am legally obligated to pay it. 

Per 15 USC 1681i, I request that you conduct a thorough reinvestigation of this account and provide me with the necessary validation within the XXXX FCRA reinvestigation window. Please include copies of any original signed contracts, proof of ownership via chain of title, details of the forward flow agreement, and a detailed account statement that substantiates your claim. Failure to do so violates my rights under the FCRA and FDCPA. 

Furthermore, under 15 USC 1692g ( b ), if you can not verify the debt within this timeframe, you are legally obligated to delete the disputed account from my credit report and cease collection activities.

I demand that you immediately cease reporting this account to the credit bureaus and delete any related information from my credit files within the legal timeframe. If you do not comply, I am prepared to pursue all available legal remedies, Midland Credit Management violated No parking '' rule, No parking rule in debt collection is the illegal practice of " debt parking, '' where debt collectors place a debt on a consumer 's credit report without first attempting to contact them. This can harm your XXXX XXXX and pressure you into paying a debt you may not even owe, but debt collectors must contact you before reporting a debt to credit agencies. 

Please confirm receipt of this dispute letter and provide the requested validation, including chain of title and forward flow agreement documentation, in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my second formal notice regarding Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Over 30 days have passed since my initial dispute was submitted, and I have not received any results of reinvestigation or confirmation of deletion as required by law.

Under 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must complete a reinvestigation within 30 days of receiving a dispute. Experians failure to provide the results constitutes a direct violation of federal law.

Additionally, pursuant to 15 U.S.C. 1681c-2, when a consumer provides an Identity Theft Report, the agency must block the disputed information within four ( 4 ) business days. I have previously submitted my valid FTC Identity Theft Report as required. 

FTC Identity Theft Report Number : XXXX - ACCOUNT TO BE BLOCKED AND DELETED XXXX XXXX Account Number : XXXX UNAUTHORIZED HARD INQUIRIES ( EXPERIAN ) ( Must be Deleted Immediately Under 15 U.S.C. 1681b & 1681c-2 ) XXXX XXXX XX/XX/XXXX No permissible purpose XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized access XXXX XXXX XX/XX/XXXX No permissible purpose XXXX XX/XX/XXXX Unverified inquiry XXXXXXXX XXXX  XXXX XX/XX/XXXX No permissible purpose XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  accessed credit without authorization These inquiries continue to cause financial harm and credit score damage, constituting consumer injury under federal law. 

LEGAL NOTICE AND DEMAND Experians continued failure to respond or act within statutory timeframes violates multiple provisions of the FCRA, including 1681i ( a ) and 1681c-2.

If Experian does not delete and block the above account and inquiries immediately, I will file : A complaint with my State Attorney General A complaint with the FTC And pursue civil damages under 15 U.S.C. 1681n & 1681o REQUIRED ACTION You are hereby demanded to : Delete the listed account and inquiries from my Experian file.

Provide written confirmation of deletion to the address on file.

This is a statutory compliance demand not a verification request.

Failure to act will be treated as a willful violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
I am filing this complaint regarding American Credit Acceptance ( ACA ) for furnishing false and inconsistent credit information to the consumer reporting agencies after my vehicle trade-in. 

I traded in my vehicle financed through ACA in XX/XX/year>, at which point my financial obligation to ACA ended. The dealership completed the payoff and transfer, and I have not owed ACA any payments since that date. Despite this, ACA later reported the account as XXXX days late, which first appeared on my credit reports in XX/XX/year> even though my XX/XX/year> report contained no delinquency for this account. 

Because ACA accounts are typically updated monthly, the only way a XXXX notation could appear in XXXX is if ACA wrongfully furnished a delinquency for XXXX XXXX my account should have been closed. I did not miss any payments in XXXX or XX/XX/year>, and therefore the reported late payment is inaccurate and misleading. 

I also wish to emphasize that this late payment appears to have been removed once from my reports and then re-added later, causing renewed damage to my credit scores. This pattern indicates a systemic furnishing error that needs CFPB oversight to prevent recurrence. 

In my attempts to resolve the issue directly, I : Utilized ACAs web-chat system to explain the incorrect reporting and request correction ; and Called ACAs customer-service line and spoke with representatives who confirmed my trade-in but could not remove the reported delinquency. 

After multiple contacts, the inaccurate information remains or has been re-inserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> CREDIT COLLECTION SERVICES XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the following ACCOUNT-CREDIT COLLECTION SERVICES, ACCOUNT NUMBER : XXXX, BALANCE : {$180.00} IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : XXXX NAME : CREDIT COLLECTION SERVICES, ACCOUNT NUMBER : XXXX, BALANCE : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
There are hard inquires on my report that did not authorize. 
XXXXXXXX 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 XXXXXX/XX/XXXX Possibly due to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief