vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX and XXXX for XXXX  XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Sect

ion 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the paymen
t due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered that Debt Recovery Solutions , LLC is reporting a debt purportedly owed by me. However, I have never received any written notice of this alleged debt within five ( 5 ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Your failure to provide timely notice constitutes a violation of federal law.

Accordingly, I am formally disputing the validity of this alleged debt and demanding that you produce the following documentation in accordance with federal law and applicable case precedent : The complete name and mailing address of the original creditor ; A copy of the original contract or agreement, bearing my signature, that allegedly gave rise to this debt ; A full and verifiable chain of title, including notarized contracts of assignment and any subsequent transfers of ownership ; Legal proof that Debt Recovery Solutions , LLC currently holds valid authority and standing to collect on this alleged debt ; A detailed and itemized accounting of the balance claimed, including all fees, interest, and charges. 

Federal courts have consistently affirmed the necessity of such documentation for a debt collector to have standing to collect. Relevant case law includes : XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) : An assignee must demonstrate a valid assignment to enforce a debt. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A party seeking to enforce a claim must establish standing through a clear and documented chain of title. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : Merely asserting ownership is insufficient ; documentation of assignment must be produced. 

Unless and until the above items are furnished, you are required to cease all collection efforts and immediately remove any negative tradeline associated with this alleged debt from all consumer reporting agencies, as mandated by 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Be advised that failure to comply with this request will leave me with no choice but to pursue legal action against your company. This may include claims under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and relevant state consumer protection laws. This letter constitutes a formal dispute and a notice of intent to litigate if unauthorized reporting and collection activities persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting practices related to the following account : Creditor : OneMain Financial Account # : XXXX Date Opened : XX/XX/year>XXXX  FTC Complaint No. : XXXX This account is being reported as charged-off, despite a {$0.00} balance and closed status, which I believe is inaccurate, misleading, and non-compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards.

Despite my efforts to dispute this information directly with the data furnisher, the matter remains unresolved, and I believe my rights as a consumer have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

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 2025-07-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Account XXXX XXXX XXXX XXXX XXXX Violation of 15 U.S. Code 1681i I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX XXXX XXXX that appears on both my Equifax and XXXX  credit reports. The information being reported is inconsistent, outdated, and potentially misleading, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) which requires consumer reporting agencies to ensure accuracy and conduct a proper reinvestigation when errors are identified. 
Account in Dispute : Creditor : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX TransUnion Account # : XXXX Equifax Report ( Dated XX/XX/XXXX Pages XXXX of XXXX ) : First date of delinquency : XX/XX/XXXX Payment history : 30 days delinquent in XX/XX/XXXX TransUnion Report ( Dated XX/XX/XXXX Pages XXXX of XXXX ) : Payment received : {$0.00} Last payment made : XX/XX/XXXX Payment history : OK status from XX/XX/XXXX through XX/XX/XXXX Dispute Summary : These XXXX major credit bureaus are reporting conflicting information regarding the same account, which has affected my credit standing. TransUnion reports an OK status through XX/XX/XXXX, while Equifax reflects a delinquency beginning the same month. The last activity occurred over XXXX years ago, and the payment history is now stale and inconsistent, potentially violating the credit reporting time limits outlined in 15 U.S. Code 1681c. 
Action Requested : Conduct a full reinvestigation of this account with the furnisher ( All South FCU ) Correct or delete any inconsistent, inaccurate, or outdated entries Provide written confirmation of the results within 30 days as required by law If this matter is not resolved in a timely and lawful manner, I reserve the right to escalate to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as provided under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I would like to formally complain about the handling of my Vanilla Visa gift card with an approximate balance of {$46.00}, which was purchased by a relative ( location unknown ). On XX/XX/XXXX, while attempting to make a purchase at a souvenir shop in XXXX XXXX, XXXX XXXX, the card was unexpectedly declined. When I checked the balance, the status read ON HOLD, which I understand was due to the declined transaction. 

When i contacted XXXX customer service today, I was informed that the card had been marked as compromised on XX/XX/XXXX ; several days before any attempt to use it. This is factually incorrect, as the card was not used until at least XX/XX/XXXX and maintained a full balance until then. At no point was the card lost, stolen, or out of my possession ; it was kept secure in a lockbox and later in my wallet. Despite this, I was provided no explanation or evidence supporting the claim of compromise. 

The only resolution offered was a replacement card mailed via XXXX, with an estimated delivery time of XXXX to XXXX business days. This delay is unacceptable given that I am effectively being denied access to funds I legally own through no fault of my own. I request that my replacement card be expedited immediately and that I receive a formal apology for the inconvenience and poor handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXX XXXX {$470.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX {$530.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$260.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXX XXXX {$470.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX {$530.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$260.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report. Please understand that this is not a mistake on my part these errors are real, and they continue to have a serious negative impact on my life. I am going through trying times, and the emotional and financial burden caused by these inaccuracies is significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : 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 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 explanation