vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit took me to court in Florida I have never lived in the state of Florida I have a Florida address listed on credit report I looked up this address it is a XXXX XXXX dollar home not even in my dreams could I afford to be living there. I assume this is why I never received a court summons in person since they probably was trying to serve it at that address. I found out by clearing out junk emails at first I thought it was some kind of scam but I searched Florida court records and I did have a case there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ( CFPB # XXXX ) Update ( XX/XX/year> ) : Certified 605B + 611 Data-Breach Block and Method of Verification packet mailed to Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX via USPS Certified Mail ( tracking attached ). 

Equifax has exceeded the 30-day reinvestigation period under 611 ( a ) ( 1 ) ( A ). Pursuant to 605B ( c ) ( 1 ), the bureau must block or delete all disputed data within four ( 4 ) business days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
First National Bank notified me - and numerous other credit card holders - that beginning in XX/XX/year>, it will charge a monthly fee of Omaha of {$1.00} for paper statements. This is an affront to large segments of the American public, including senior citizens, low-income consumers, retirees, minorities, and other groups who do not have regular access to the internet, i.e., can not access their accounts online by themselves, but must attempt to get other people, such as relatives, friends or neighbors, to provide access to the internet. This becomes an unreasonable burden and often a fruitless effort. Moreover, the aforementioned groups can not afford {$1.00} more per month- {$23.00} per year- for supposedly " no fee '' credit cards. As a consequence large numbers of consumers will be forced to cancel their credit cards because they can not afford to pay monthly fees. In short, this is an attempt by a large regional bank to easily make more money, i.e., profit, off the backs of the most vulnerable Americans. 
Shame on First National Bank of Omaha!

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 2025-11-11 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: GA

Complaint narrative:
I am disputing certain accounts and inquiries reported by TransUnion. The following entries are incorrect, and I kindly request a thorough investigation and the necessary corrections to be made. 

Charged Off Accounts : [ No charged-off accounts listed for TU ] Inquiries : XXXX XX/XX/XXXXXXXX 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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I was a customer of XXXX XXXX 's bottled water delivery service. My account correspondence came from XXXX XXXX, the delivery operated under XXXX, and the current debt collection letter was issued by XXXX XXXX | XXXX through Associated Credit Services for {$640.00}. On XX/XX/year>, I emailed XXXX XXXX to cancel my account, but I received no resolution and continued to be billed. On XX/XX/XXXX, I escalated by phone, but my cancellation was ignored as my calls were never answered. Despite multiple written requests, the company continued delivery and refused to pick up the bottles I needed returned. I have attached emails confirming my cancellation requests, photos showing all XXXX bottles I personally returned ( including XXXX that were delivered after my cancellation ), and the debt collection letter showing the companys continued attempt to collect an invalid balance. I do not owe the {$640.00} the company is now attempting to collect. The account should have been closed upon my written cancellation, and all billing and collection activity must stop immediately. After I responded to their BBB contact on XX/XX/XXXX requesting written confirmation of my refund, they ignored the email and sent a formal collection letter on XX/XX/XXXX through XXXX XXXX, further proving a pattern of avoidance and harassment despite ongoing disputes.

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

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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

Complaint narrative:
I have no relationship to these accounts ; please delete them within 15 days in accordance with USC 1681g.

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 2025-11-11 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: WA

Complaint narrative:
I am filing a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) during multiple disputes of a collection account reported by XXXX XXXX, XXXX. 

I disputed this account with Equifax several times ( XXXX, XXXX, XXXX, and XX/XX/XXXX ). I also submitted a written Method of Verification ( MOV ) request on two occasions. Equifax has never provided the legally required MOV under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Instead, Equifax continues to provide generic form letters stating the item was verified, without disclosing the method, source, or procedure used. 

The original creditor account ( XXXX ) is no longer on my Equifax report, and both XXXX and XXXX deleted the related collection for lack of verification. Despite this, Equifax continues reporting the XXXX collection without producing any documentation from the furnisher. This indicates that the item can not be substantiated. Equifax is violating : FCRA 611 ( a ) ( 1 ) No reasonable reinvestigation performed. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) No
method of verification provided after written request.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy ; the collection remains even though the underlying debt is unverified and the original account is gone.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified.

Equifaxs most recent response ( XX/XX/XXXX ) again stated the account was verified but provided no supporting evidence, and several reported data fields remain inconsistent with the creditor history. 

I am requesting CFPB assistance to require Equifax to : Provide the legally required method of verification ; or Delete the XXXX XXXX XXXX collection account for failure to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Disputing Accounts and Inquiries on Equifax Credit Report I am writing to dispute the following items on my Equifax credit report. Please investigate and correct these discrepancies : CHARGED OFF ACCOUNTS : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} LATE PAYMENT : XXXX, XXXX INQUIRIES : XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-11 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am complaining about allXX/XX/XXXX credit agencies, Equifax, Experian, and Transunion. I am very upset because I have a great credit score back in XXXX of 2025, my credit score ranged from XXXX to XXXX and all I had was a mortgage on the house, no credit cards just a debit card from my bank. In XXXX of 2025 I paid off the mortgage and my credit score went down to about XXXX to XXXX, which I believe is normal after paying off the house. But XXXX of 2025 the bottom dropped out of my credit score and it went all the way down to XXXX and XXXX. I can not understand what happened, all I did was pay off the house in XXXX of 2025 and there is nothing else that I did. I have no bad marks, the only thing that I can understand is that I do not have a credit card ( which I am trying to acquire, but my credit score makes it difficult to acquire XXXX ) and because I do not have any outstanding loans and, or that I have no credit cards, then I do not have a current credit history. I am asking for help to CFPB to contact these credit reporting agencies to get my score back up so I can acquire a credit card, right now it is very hard to acquire a good credit card that I can use everyday.

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 2025-11-11 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:
Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing regarding my account referenced above, which has been fully paid and closed. I want to sincerely thank you for your assistance and for providing me the opportunity to resolve this account. 

As I continue working to rebuild and strengthen my credit, I kindly ask if you would consider a goodwill deletion of this account from my credit reports with all major credit bureaus. While I understand that accurate reporting is required, I am requesting this purely as a gesture of goodwill. 

Removing this account would greatly help me in my efforts to improve my financial standing, and I would be truly grateful for your understanding and consideration. 

Thank you again for your time, understanding, and support. I appreciate your attention to this request and look forward to your favorable response. 

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 2025-11-11 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-11 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXXyear ago I sent money from my contacts information from XXXX and someone else with the same information on my contacts received it and claimed they never did but it shows there's that they did. Person in XXXXXX/XX/XXXX year ago I sent money from my contacts information from XXXX and someone else with the same information on my contacts received it and claimed they never did but it shows there's that they did. Person in XXXX

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

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: IL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute several entries on my credit report. Upon reviewing my report, I have found the following items that I believe need to be investigated for accuracy : XXXX. Account : XX/XX/XXXXXXXX Reported as a charge-off. 
XX/XX/XXXX Please investigate this account 's reporting. If the charge-off is inaccurate or has not been properly updated, I request that it be removed. 
XXXX. Late Payments There are late payments reported forXX/XX/XXXX days and XX/XX/XXXX days for several accounts. 
XX/XX/XXXX I request that you verify these late payments and remove them if they are not accurate or if they do not align with the actual payment history

Company response to consumer: Closed with non-monetary relief