vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to formally dispute certain information on my credit report that I believe is inaccurate or incomplete. Specifically, I am disputing charge-off accounts that continue to be reported on my credit file.\n\nThe following accounts are in question:\n\nCreditor Name: XXXX XXXXAccount Number: XXXXReason for Dispute: This account is inaccurately reported as a charge-off. I have either paid, settled, or have not received accurate or verifiable documentation that justifies the charge-off status.\n\nI am requesting that you investigate this account and remove or correct the charge-off notation if it cannot be fully verified with proper documentation from the original creditor, as required under the Fair Credit Reporting Act (FCRA).\n\nIn accordance with FCRA  611 (15 U.S. Code  1681i), I respectfully request that you complete your investigation within 30 days and notify me of the results in writing.\n\n\n\nPlease update my file accordingly and send me a copy of the revised credit report once the investigation is complete.\n\nThank you for your time and attention to this matter.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX,IL 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am submitting this complaint regarding the Barclays Bank Delaware account ending in XXXX, which is being reported negatively on my credit file. This account was legally paid in full for less than the full balance and closed as of XX/XX/XXXX. However, the payment history shows multiple late payments : 3 at 30 days, 2 at 60 days, and 7 at 90 days or more, with a worst rating of 120 days late. I believe these reported delinquencies are inaccurate, outdated, and unverified. I have previously disputed this information multiple times with the credit bureaus : On XX/XX/XXXX, I requested verification of the late payments and balances ; On XX/XX/XXXX, and again on XX/XX/XXXX, I stated that the balance had been resolved, and the account was settled in full. Despite these disputes, the negative payment status and derogatory marks remain on my credit profile. No proper documentation or payment history has been provided to verify the accuracy of the reporting. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable. Since this account reflects a {$0.00} past due balance and is marked as legally settled, the continued reporting of delinquencies without verification is a violation of my rights under federal law. I am requesting the following : That Barclays Bank Delaware provide full documentation of all alleged late payments, including dates, statements, and breakdown of balances ; or That the account be corrected or removed entirely from my credit report if the negative information can not be verified. I request CFPB assistance in ensuring this account is fairly and lawfully reported. The current reporting is inaccurate and is harming my creditworthiness without justification.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit keeps sending me emails stating I owe a debt. I do not, and I have tried several times to opt out and it says the system is down for maintenance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX 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 2025-07-04 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: IN

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 2025-07-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
My legal name is XXXX XXXX- not sure how to change it in CFPB portal. I have never received a medical bill for my daughter 's treatment and the clinic sent my {$170.00} bill to collections XXXX months after the service was provided. I have not even received an explanation of benefits yet from the insurance provider to know that I may have owed something. The day I have received the first collection email, I called the clinic and paid the full balance - that was on XX/XX/year> The Debt collector keeps sending collection emails. Received another one on XX/XX/year>. 
Debt collector is MCA Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This practice is abusive, as they are trying to collect on the debt that has been paid off for weeks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
I have a CASHAPP account and I have an unauthorized transaction on my account Tuesday, XX/XX/scrub> 2025. It is now Friday. I tried to dispute it within the app, and the app states I must wait 2-3 days for the transaction to complete. Nowhere does it state a 10 days cap. I have photographic evidence of this. So when I contacted their support team they told me that usually it takes 3 days but now theyre telling me 10 days. Ive never had a transaction take that long to post ever. They are unlawfully lying to customers and offer no solution to help get my funds back. I would really like to take legal action against this fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. 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 requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-04 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: DC

Complaint narrative:
Complainant : XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I, XXXX XXXX, am filing this formal complaint against the credit reporting agency for its failure to comply with the Fair Credit Reporting Act ( FCRA ). After retrieving my credit report through XXXXXXXX, I discovered multiple accounts and inquiries that are inaccurate and/or unverifiable. I have properly authorized a third-party service to submit a detailed dispute on my behalf and have included all necessary identification documents. 

Despite this, the agency has failed to perform a full and lawful reinvestigation into the disputed information, as required by law. This complaint is filed in response to that failure, and it includes demands for reinvestigation, method of verification, and full file disclosure, pursuant to the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide complete consumer file disclosure Disputed Items ( Accounts ) : XXXX XXXX  Acct # : XXXX | Date Opened : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts and inquiries contain errors and/or are not supported by verifiable documentation. If any part of these entries including balance, status, payment history, or date is inaccurate or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as a formal pre-suit demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding your companys failure to provide me, XXXX XXXX XXXX, with proper access to my consumer credit report and to offer any viable means of contact by telephone. 
Over the course of repeated attempts, I have been unable to access my credit report through your systems, both online and via telephone. Furthermore, your automated phone systems fail to connect me with a representative or provide a functional method for resolving access issues. This denial of access to my own consumer report is a direct violation of 15 U.S.C. 1681g, which grants every consumer the right to obtain a copy of their credit report upon request.

Your actionsor inactionhave caused undue stress, interference with financial decisions, and denied me rights afforded under federal law. This correspondence serves as a demand for monetary compensation in the amount of {$1000.00}, the maximum allowable under the statutory damages provisions of the FCRA for willful noncompliance, pursuant to 15 U.S.C. 1681n.

Unless this matter is resolved within 15 days of receipt of this letter, I will proceed to explore all available legal remedies, including filing suit in federal court, and notifying the Consumer Financial Protection Bureau ( CFPB ) of your FCRA violations. 
Please direct all correspondence regarding this matter to me at the address above. You may also contact me via phone or email to resolve this matter promptly and amicably.

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 2025-07-04 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-04 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:
Complainant : XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX I, XXXX XXXX XXXX, am submitting this formal complaint regarding multiple inaccuracies and unverifiable entries in my credit file, which I retrieved through AnnualCreditReport.com. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting immediate regulatory review and enforcement, as the credit reporting agency has failed to comply with the following federal requirements : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and complete reinvestigation into disputed information ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681g : Failure to provide full file disclosure.

I have lawfully authorized a third-party service to submit this dispute on my behalf and provided sufficient identifying information to allow for immediate processing. I am not submitting a frivolous or vague dispute. I am demanding a lawful, good-faith reinvestigation of all data fields associated with the disputed items. 

Disputed Accounts : XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Acct # : XXXX | Date Opened : XX/XX/XXXX Disputed Inquiries ( Unauthorized or Unverifiable ) : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX  Date of Inquiry : XX/XX/XXXXXXXX  These items are reporting inaccurately and/or can not be verified as required by federal law. If any aspect of these entriessuch as balance, status, remarks, or date openedis inaccurate or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like to update my phone number and email address with Experian, however, I can not login online because my phone number and email has changed and I can not reach a live agent via telephone, and every time I do, I get sent to a recording.

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 2025-07-04 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: NJ

Complaint narrative:
I made payments to XXXX my student loans using my checking account during the on-XXXX  XXXX. I then got a notice in XX/XX/XXXX  that I was 90 days delinquent. When I checked my payment history, I saw that two payments I made were not showing up on my account yet I have the payment confirmation emails to show I made payment. When I called XXXX, they said they didnt receive those payments. Apparently, the payments were not processed. I had no communication from XXXX that there was something wrong with the payments. In XX/XX/, my account showed a 90 days delinquent status and dropped my credit score significantly. XXXX refuses to remove it even though I had made payments on their portal. I would like them to acknowledge that I had tried to make payments and they failed to notify me the payments I did make were not processed. I would like have the 90 days delinquent status removed because I had no idea my payments were not going through. As soon as I called XXXX when I saw the 90 days delinquent, I brought my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
I made payments to XXXX my student loans using my checking account during the on-ramp period. I then got a notice in XX/XX/year> that I was 90 days delinquent. When I checked my payment history, I saw that two payments I made were not showing up on my account yet I have the payment confirmation emails to show I made payment. When I called XXXX, they said they didnt receive those payments. Apparently, the payments were not processed. I had no communication from XXXX that there was something wrong with the payments. In XX/XX/year>, my account showed a 90 days delinquent status and dropped my credit score significantly. XXXX refuses to remove it even though I had made payments on their portal. I would like them to acknowledge that I had tried to make payments and they failed to notify me the payments I did make were not processed. I would like have the 90 days delinquent status removed because I had no idea my payments were not going through. As soon as I called XXXX when I saw the 90 days delinquent, I brought my account current.

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