vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NY

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 2025-08-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 case number XXXX, XXXX 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
* * Aggressive Dispute Letter for XXXX XXXX XXXX XXXX XXXX  Re : Demand for Immediate Removal of Inaccurate " Charged Off '' Tradeline XXXX  XXXX Account [ Last 4 Digits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian [ Dispute Address Certified Mail Return Receipt Requested ] * * Subject : * * * * Formal Dispute & Demand for Deletion of Inaccurately Reported " Charged Off '' Account Violations of FCRA, UCC, and Contract Law * * Dear Credit Bureaus, I dispute in full the inaccurate reporting of the above-referenced Capital One account, which is falsely labeled as " charged off '' and " unpaid. '' * * This account was paid in full per the attached payoff letter, and its continued reporting as a derogatory item constitutes defamation, negligence, and multiple violations of federal and commercial law. * * # # # * * Legal Basis for Immediate Deletion : * * 1. * * Breach of UCC Good Faith & Accord/Satisfaction ( UCC 1-304 , 3-311 ) : * * - Under UCC Article 3, a debt is * * extinguished * * upon acceptance of payment. XXXXXXXX XXXX acceptance of payment ( attached ) voids any " charge-off '' status. 
- * Case Law : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX UCC 3-603 Payment discharges obligation ).

2. * * FCRA Violations ( 15 U.S.C. 1681e ( b ) ) : * * - You are required to maintain " maximum possible accuracy. '' Reporting a * * paid account * * as " charged off '' is * * willfully misleading * * and harms my creditworthiness.

- * Case Law : * XXXX XXXX XXXX XXXX XXXX XXXX FCRA liability for failing to correct inaccuracies ). 

3. * * Contract Law & Unjust Enrichment XXXX XXXX XXXX XXXX XXXX XXXX retention of payment while reporting the debt as unpaid constitutes * * unjust enrichment * * and breaches the implied covenant of good faith.

# # # * * Demand : * * 1. * * Immediately delete * * the " charged off '' tradeline from all credit reports.

2. * * Cease * * any further misreporting of this account.

3. * * Provide written confirmation * * of correction within * * 15 days * * of receipt.

* * Failure to comply * * will result in escalation to the CFPB, FTC, and private litigation for * * willful non-compliance ( FCRA 1681n ) * *, defamation, and punitive damages.

* * Attached : * * - Payoff Letter ( Proof of Payment ) SincerelXXXX 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 2025-08-15 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: FL

Complaint narrative:
I am submitting this complaint due to the continued reporting of an inaccurate, unverifiable, and disputed account by XXXX XXXX XXXX XXXX and its publication by the credit bureau ( s ) listed above.

Despite multiple disputes and requests for validation, this account has not been deleted from my credit file. Instead, the furnishers and/or bureaus have failed to properly investigate, have marked disputes as frivolous without justification, and are actively publishing unverified data.

Details of the Account in Question : Creditor/Furnisher : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute Filed : [ Insert Dates ] Requested Remedy : Permanent deletion due to noncompliance and failure to validate Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 3 ) : Marking dispute as frivolous without notice or certification FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681s-2 ( b ) : Continued reporting after failed verification Metro 2 Compliance Violation : Account not flagged with proper XB dispute coding FDCPA 809 ( b ) : Failure to provide proper validation of alleged debt FTC Act 5 / Title 15 : Deceptive practice through publication of unverifiable account What have you done to resolve the issue?

I have : Sent multiple dispute letters directly to the credit bureaus Provided documentation and requested full deletion Received a response labeling my dispute as frivolous without any valid basis Filed a complaint with the FTC Created a notarized affidavit and invoice documenting damages To date, the account remains on my report continuing to damage my credit profile, despite having no valid legal basis for its inclusion.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert from my credit monitoring app. Concerned, I reviewed all my accounts and, after hours of investigation, discovered a {$9900.00} balance on my XXXX XXXX XXXX balance that had been silently accumulating due to a critical failure in the XXXX app interface. 

For more than 7 months, the XXXX app failed to display any payment due, outstanding balance, or alerts. I wasnt notified through the app, and the only paper statements I received were standard XXXX account summariesnot credit card statements. While I later realized that e-statements were being sent to a lesser-used email address, the lack of visibility and in-app notifications was the primary cause of the issue. I had trusted the app to provide the most up-to-date balance and payment information, which it failed to do. 

Once I discovered the balance, I paid it off immediately. I then called XXXX and XXXX support, speaking to 34 agents over multiple hours, including managers. They either redirected me to XXXXXX/XX/XXXX ( which manages the credit card backend but not the app ), or stated they couldnt help. 

Between XX/XX/XXXX and XX/XX/XXXX, I filed three CFPB complaints. The outcomes were : Complaint XXXX ( submitted XX/XX/XXXX ) : XXXX forwarded the issue to XXXX, even though this was a XXXX app failure. XXXX then closed the complaint without resolving the issue. 

Complaint XXXX ( submitted XX/XX/XXXX ) : XXXXXX/XX/XXXX executive team acknowledged the issue and promised to follow up by email to gather information for their developers. They never did. Months later, they closed the complaint, falsely claiming they needed more information. 

Complaint XXXX ( submitted XX/XX/XXXX ) : XXXX, XXXX responded by deflecting blame to XXXX. As of XX/XX/XXXX, I have still received no response to the follow-up email I sent to XXXX on XX/XX/XXXX, XXXXdespite their CFPB responses instructing me to contact that address. 

I also submitted a XX/XX/XXXX complaint ( ID : XXXX ) on XX/XX/XXXX, which received the same boilerplate response blaming XX/XX/XXXX. I rejected the response on XX/XX/XXXX, and on XX/XX/XXXX, they submitted the exact same response again, forcing me to reject it once more.

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 2025-08-15 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: WA

Complaint narrative:
My information was involved in a data breach. The items are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NJ

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. 

Please delete the following accounts : XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XXXX 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 case number XXXX, XXXX 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 2025-08-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management collection account you want a cease and desist letter for. Remove this account immediately From what you provided : Balance : {$630.00} ( unchanged since opening ) Account type : Debt Buyer Status : Collection account ( past due as of XX/XX/XXXX ) Reported opened : XX/XX/XXXX Contact : Midland Credit Management, XXXX, MI ( XXXX ) XXXX Consumer statement : Account information disputed by consumer Everything is consistent enough to draft a targeted cease and desist letter under the FDCPA ( 15 U.S.C. 1692c ( c ) ).

Id include in the letter : Your request for all communication to stop except as allowed by law.

A statement that you dispute the debt. 

A requirement that they not sell or transfer the account without noting the dispute. 

References to the account number and balance so theres no ambiguity. 

If you want, I can draft the letter so its legally precise and formatted for mailing with proof of delivery. 

Do you want this as a strong cease & desist + dispute combo letter or just a plain cease & desist? The combo can help protect you if they try to sell the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am submitting this complaint due to the continued reporting of an inaccurate, unverifiable, and disputed account by XXXX XXXX XXXX XXXX and its publication by the credit bureau ( s ) listed above.

Despite multiple disputes and requests for validation, this account has not been deleted from my credit file. Instead, the furnishers and/or bureaus have failed to properly investigate, have marked disputes as frivolous without justification, and are actively publishing unverified data. 



Details of the Account in Question : Creditor/Furnisher : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dispute Filed : [ Insert Dates ] Requested Remedy : Permanent deletion due to noncompliance and failure to validate Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 3 ) : Marking dispute as frivolous without notice or certification FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681s-2 ( b ) : Continued reporting after failed verification Metro 2 Compliance Violation : Account not flagged with proper XB dispute coding FDCPA 809 ( b ) : Failure to provide proper validation of alleged debt FTC Act 5 / Title 15 : Deceptive practice through publication of unverifiable account What have you done to resolve the issue?

I have : Sent multiple dispute letters directly to the credit bureaus Provided documentation and requested full deletion Received a response labeling my dispute as frivolous without any valid basis Filed a complaint with the FTC Created a notarized affidavit and invoice documenting damages To date, the account remains on my report continuing to damage my credit profile, despite having no valid legal basis for its inclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
We vacated our apartment at XXXX XXXX XXXX on XX/XX/year>, two days before our lease ended on XX/XX/year>, because the office was closed on the XXXX. We provided written notice of our vacate date in advance, and the property manager confirmed receipt and accepted possession of the unit. We attempted to pay the full XXXX rent and utilities ( {$3700.00} ) before moving out. 
Payment was refused on two separate attempts. We later received written confirmation from the property manager that we owed nothing more beyond the lease end date and that our tenancy was closed. Despite this, the account was forwarded to a collection agency. We requested an itemized statement and verification of the alleged debt from the collection agency but have not received any response. This collection activity appears to be in error, as no balance is owed. We are requesting removal of any negative or collection activity associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief