vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Failure to Remove/Correct Disputed Account Despite FTC Case and Active CFPB Complaint FCRA Violations Complaint Summary : I am filing a complaint against [ Experian / TransUnion XXXX Equifax ] for failing to properly investigate, update, or remove inaccurate information related to a disputed account reported by XXXX XXXX XXXX Account # XXXX and XXXX ). 

I currently have completed complaint filed with the Consumer Financial Protection Bureau and an active FTC Case regarding XXXX  unlawful and misleading reporting practices. Despite this, the credit bureaus continue to report the account as a charge-off with missed payments, even though the account is formally and legally in dispute due to XXXX breach of contract, misrepresentation, and failure to honor agreed-upon terms. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must : Accurately report a consumers information ( 1681e ( b ) ) Mark an account as in dispute when the consumer has formally disputed it ( 1681s-2 ( a ) ( 3 ) ) Promptly investigate disputes and correct or delete inaccurate information ( 1681i ) None of these obligations have been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Account # : XXXX Total Balance : {$670.00} Original Creditor : Advance America XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Total Balance : {$670.00} Original Creditor : Advance America Creditor Account # : XXXX I did not take out any cash advances from this company and have no knowledge of how this happened. This is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Once a week Beginning XX/XX/XXXX throughout XXXX. 
This was for a credit card with a {$400.00} limit The Collection agency is Midland Credit Management. 

I had to change my number in XXXX as they were calling me very early in the morning or very late at night or while I was at work. 

I asked them for a Validation of Debt back in XXXX of XXXX when I got the first call from them and never received the letter. 

I recently called them again because I am trying move than this came up on my credit report. I pulled my credit and contacted them again asking for the validation letter and they kept asking me why I was requesting that. I told them I wanted to receive so that I can settle it and they told me I didnt need it. I attempted to negotiate a settlement with them and they refused my offer. Asking me why I needed to settle this debt. I refused to answer their question because I feel that my personal reasons should not matter but that only served for them to insist that I pay it all off or they will pursue legal action at which point I ended the call again requesting that they send me a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for reporting incorrect and outdated personal information in my credit file, despite my formal written request for correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

On XX/XX/2025, I obtained my three-bureau credit report through XXXX and found that Equifax is reporting inaccurate personal information that does not match my official identification or current proof of address. 
Below are the discrepancies : Incorrect Name : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, instead of my full legal name XXXX XXXX XXXX XXXX. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, which lists the wrong city. The correct city should be XXXX, UT XXXX. 

Outdated Address : XXXX XXXX, XXXX, UT XXXX, which is no longer my current residence. 

Correct Current Address : XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, TX XXXX, verified through my XXXX  XXXX XXXX statement and Texas Drivers License. 

On XX/XX/2025, I sent a formal personal information correction letter to Equifax under FCRA 611 ( a ), requesting that all inaccurate or outdated information be updated or deleted.

I attached copies of my Texas Drivers License, Social Security Card ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX statement ( XX/XX/2025 ) as valid proof of my identity and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: NY

Complaint narrative:
XXXX Writing because the XXXX XXXX loan accounts on my credit report is being reported as a charge-off every single month for an extended period of time- especially on Equifax. Thats not how charge-offs are supposed to work. 

A charge-off is a one- time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesnt follow what the CFPB XXXX is fair and accurate credit reporting. 

Because of this, XXXX asking that these XXXX XXXX loan accounts be removed completely from my credit report. Please investigate it and delete it if it cant be corrected immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
The outgoing money movements from my Savings Bank account Axos Bank keep failing and I keep getting charged both sending and rejection fees for mistakes that are beyond my control. Specifically : - Wire transfer of XX/XX/year> @ XXXX PM EST, resulted in a {$35.00} sending fee and {$40.00} rejection fee - Wire transfer of XX/XX/year> @ XXXX PM, resulted in a {$35.00} sending fee and {$40.00} rejection fee - Pull ACH of XX/XX/XXXX @ XXXX XXXX failed, causing me to miss an important payment and consequent fees outside of the bank In each of the XXXX cases, the response of the Axos Bank service center is that failures were due to mistakes on the receiving end ; upon further exploration, the failures were due to errors in compiling certain fields of the payments. Once Axos manually fixed ( outside of my payment setup abilities ), payments went through regularly. 

Ask : I want to be refunded all the money that I was asked to pay in fees from both sending and receiving institution. The total is {$150.00} ( $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I called Chase bank to schedule a payment plan because I owed the bank. It was an amount of {$500.00}. On XX/XX/year> I got a letter that the {$500.00} was authorized. On XX/XX/year> I received an alert stating that my savings and checking was locked I didnt have access to it anymore. I called XXXX customer Service and I asked why did they close my account and they couldnt provide a reason and they will be mailing me a Check with the funds I had in my savings. I received a {$79.00} check and that wasnt how much I had in my savings I had {$3200.00} so I called back and asked them where is the rest of the money and they said they have to verity with person who issues checks and I provided them with phone number and gave them a couple months and still noting so I called back saying where is the rest of the funds and I asked them if I can talk to my boss and see if she can stop the money. Then my boss tells me that Chase took out the money out of her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

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 2025-11-17 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I am a consumer and I reported an identitytheft dispute to Equifax on XX/XX/year>. Equifax assigned XXXX Agent ID XXXX and Case No. XXXX. The tradeline is an account for XXXX XXXX XXXX ( acct ending XXXX ) that I did not open and is the result of identity theft. 
Equifax completed a reinvestigation and marked the account verified. I do not accept this result. I have submitted a dispute and reported this as identity theft ( CFPB complaint and police report/FTC Identity Theft Affidavit attached ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c2 ), Equifax must reasonably reinvestigate, consider all documentation I provided, and block or delete identitytheft information upon receipt of proper identitytheft proof. 
Requested relief and documents : Immediately block/delete the AMERICAN XXXX XXXX tradeline ( acct ending XXXX ) from my Equifax credit file if Equifax can not produce competent verification within XXXX days of receipt of this complaint. If you believe you have already blocked, provide confirmation and date of the block. 
Produce the complete ACDV packet ( s ) and ACDV response ( s ) used in the reinvestigation, including all header fields, ECN/transaction ID ( s ), raw request/response payloads, error codes, and timestamps. 
Produce all documents Equifax received from the furnisher in response to the reinvestigation ( in native format ), including any attachments, statements, or identity verification materials forwarded by the furnisher. 
Produce Equifaxs internal reinvestigation notes and logs for this dispute, including the identity ( name/title ) of the person ( s ) who handled the reinvestigation, dates/times of actions taken, search queries used, and any automated rules or scripts applied. 
Produce your policies and procedures for handling identitytheft disputes and ACDV/EDI processing, and confirm the retention schedule for these records. 
If Equifax did not send an ACDV or did not receive documentation from the furnisher, state those facts under oath and explain what steps Equifax took to complete a reasonable reinvestigation. 
Provide written confirmation of the final decision and any updates to my file resulting from this complaint. 
Legal basis : 15 U.S.C. 1681i, 1681c2, 1681e ( b ). If Equifax can not produce competent verification for this account, I request deletion/blocking under the FCRA. If Equifax refuses to provide the requested materials or does not take corrective action, I will consider pursuing legal remedies, including a private FCRA action for failure to reinvestigate and violate identitytheft blocking obligations. 
Attachments I will provide : Equifax dispute confirmation ( Case No. XXXX ; XXXX Agent ID XXXX ) Credit report page showing XXXX XXXX XXXX acct XXXX Police report and/or FTC Identity Theft Affidavit ( if available ) CFPB complaint confirmation ( if already filed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. sequium account # xxxxxxxxx {$360.00}, sunrise credit account # xxxxxxxxx {$260.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely, 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 2025-11-17 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: NJ

Complaint narrative:
FORMAL COMPLAINT & NOTICE OF CONTINUED FCRA VIOLATIONS ( CFPB ) Re : Failure to Remove Inaccurate Medical Collection Account After Dispute Furnisher : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2300.00} Classification : Medical / Health Care Date of First Delinquency : XX/XX/year> Dear Equifax ; Experian, I am filing this formal FCRA dispute with the CFPB and demand for investigation, as you have failed to delete a clearly inaccurate medical collection account, despite my previous dispute. 

I have XXXX, which means : This bill is not legally collectible The provider is prohibited from billing me The provider must bill XXXX No collection or credit reporting is permitted By keeping this invalid debt on my report, Equifax is violating the Fair Credit Reporting Act. 

FCRA VIOLATIONS BY EQUIFAX 1. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation You maintained reporting of a debt that : Was prohibited under XXXX rules Was never validated Can not be legally collected You can not verify a debt that is non-collectible by law. 

XXXX. FCRA 602 ( A ) Obligation to Report Maximum Possible Accuracy A Medicaid-covered debt reported as owed is inaccurate as a matter of law. 

XXXX. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Delete When Information Can not Be Verified The furnisher can not validate the debt. 
Therefore, Equifax must delete it, not modify or maintain it. 

DEMAND FOR RESOLUTION I request immediate action : * * XXXX. Delete the medical collection account # * * * * XXXX from my Equifax file This is mandatory when a disputed item can not be legally verified. 

XXXX. Provide me with the full reinvestigation results Including the furnishers responses and documents exchanged. 

XXXX. Block reporting of this account Under FCRA 605B ( f ), no CRA may reinsert or re-report an invalid, unverifiable, or illegal account. 

XXXX. Correct any scoring impacts or derivative negative marks Including : Collection status Delinquency calculations Any suppression of positive accounts caused by this item XXXX. Issue written confirmation of permanent deletion. 
SUMMARY Equifax is carrying an unverified, inaccurate, and illegal medical collection account on my report in violation of FCRA duties. Because XXXX prohibits balance billing, this account is invalid on its face and can not be verified. 

Immediate removal is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation