vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am a victim of identity theft due to the Experian data breach, which resulted in fraudulent accounts reporting on my credit reports despite being unauthorized. I filed an FTC Identity Theft Report and provided a notarized affidavit confirming my identity theft. Despite my efforts to protect my credit, these fraudulent accounts continue to report and harm my credit. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Additionally, a XXXX XXXX account is also fraudulent and included in my affidavit, although I could not add it to the FTC report due to system limitations. I am requesting removal under the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( blocking identity theft data ), 1681e ( b ) ( accuracy ), and 1681i ( a ) ( reinvestigation ). These accounts continue to report monthly, showing charged-off or collection balances, despite being fraudulent and unauthorized. I request immediate investigation and removal of these accounts from my credit reports.

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 2025-07-09 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:
Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute and file a complaint regarding the inaccurate and unlawful reporting of a XXXX XXXX account that was charged off and closed, yet continues to appear on my credit report with ongoing late payments or other derogatory activity.

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ). An account that is closed and charged off can not legally continue to report late payments or appear as newly delinquent. This false information is causing serious harm to my credit profile and misrepresents my payment history.

As a result of this inaccurate reporting : My credit score has been unjustly harmed My financial integrity has been misrepresented I have been unfairly denied access to credit opportunities I am demanding that XXXX immediately delete this account in its entirety from all credit reporting agencies ( XXXX, Equifax, and ). This account is not being reported in accordance with FCRA guidelines and must be removed without delay.

Please confirm in writing that this account has been deleted from my credit file and that no further derogatory information will be reported.

If this matter is not fully resolved within 30 days, I will be forced to seek legal representation.

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Dear XXXX XXXX XXXX Department, I am writing to formally dispute and file a complaint regarding the inaccurate and unlawful reporting of a XXXX XXXX account that was charged off and closed, yet continues to appear on my credit report with ongoing late payments or other derogatory activity.

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ). An account that is closed and charged off can not legally continue to report late payments or appear as newly delinquent. This false information is causing serious harm to my credit profile and misrepresents my payment history.

As a result of this inaccurate reporting : My credit score has been unjustly harmed My financial integrity has been misrepresented I have been unfairly denied access to credit opportunities I am demanding that XXXX immediately delete this account in its entirety from all credit reporting agencies ( XXXX, Equifax, and ). This account is not being reported in accordance with FCRA guidelines and must be removed without delay.

Please confirm in writing that this account has been deleted from my credit file and that no further derogatory information will be reported.

If this matter is not fully resolved within 30 days, I will be forced to seek legal representation.

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
In XX/XX/year>, a collection account for {$93.00} was added to my credit report by Portfolio Recovery Associates for an alleged debt originally from XXXX XXXX. I have not received any written notice or proper validation of this debt. No documentation has been provided to confirm that the amount is accurate or that the company has the legal authority to collect on it. I have not received a breakdown of charges, a signed agreement, or any proof that I am responsible for this debt. Despite the lack of validation, the account continues to negatively impact my credit. I am requesting that the company provide complete verification, including the original creditors information, how the amount was calculated, and supporting documentation. If the company can not provide this, I respectfully request that the item be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Contacts XXXX XXXX XXXX about late payment charge on account. They said the credit reporting should show no late payments. Sent the information to Transunion to fix reporting they claimed the information is correct, I sent evidence I believe they are not investigating accounts because it should reflect no missed payments.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CREDIT MANAGEM has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX  and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to MIDLAND CREDIT MANAGEMI demand to see the chain of assignment and purchase agreement to see who really sold the debt to MIDLAND CREDIT MANAGEM If MIDLAND CREDIT MANAGEM does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-09 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: NC

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 explanation
Consumer complaint received 2025-07-09 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:
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 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
I sent the following letter by certified letter with return receipt on XXXX. 
I have copies that they received the letter, however they are ignoring my request and I would like them to comply and stop sening mail to my old XXXX XXXX , which I do not even rent at this point. The owner of the commercial mail box site has asked me to get them to stop sendin XXXX XXXX envelopes, but they simply wont stop. Any help would be greatly appreciated.

To : Midland Credit Management. 

I am exercising my right under the FDCPA to cease all communication.

My name is XXXX XXXX XXXX My address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Todays date is XXXX You companies name is Midland credit management .

Your address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you stop all mailed communication with me in all various forms and methods.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Disputed Inquiry : XXXX XXXX XXXX  Date : XX/XX/year> Issue : Redundant variation of the same inquiry Law Reference : FCRA 607 ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy.

Statement : This is a redundant version of the XXXX XXXX inquiry on the same date. It is a duplicate with slight name variation but no separate purpose or authorization. This is misleading and should be removed for clarity and accuracy. 

REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing a complaint against CareCredit for unfair billing practices. On XX/XX/XXXX, I paid my full statement balance of {$290.00}, believing this would bring my account to {$0.00} and close out the balance. I was never notified that additional interest charges would still apply after I paid the full amount. 

On XXXX, I received a statement in the mail, which was odd to me because I haven't used the card since I paid it off. I opened it immediately and to my surprise it had a balance. Apparently I had been charged interest in XXXX ( even though I had no remaining balance ), and then interest on that interest in XXXX, along with a " payment card security fee '', bringing the total to {$9.00}. I was never made aware of this continued accrual, and no paper or digital notification was sent to alert me.

When I called customer service after opening the statement on XXXX, the representative explained the accrual and said he understood my confusion and wasn't sure when the terms change had taken affect because he didn't see it shown and that my account wasn't being charged a paper statement fee either which usually only happens when there's no balance. I was transferred to a manager who refused to waive the interest, despite my good faith effort to pay off the balance in full in XXXX. The manager also condescendingly told me there was " no one higher '' I could speak to. I felt pressured and disrespected.

This feels predatory and misleading I was charged interest on interest, not on any principal balance. Had I known there would be a residual balance after paying in full, I would have taken immediate action. I request that the accrued interest and fees be waived, as this seems like a deceptive practice and poor customer communication.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnis
h 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
To whom it may concern : Balance {$3400.00} Balance updated XXXX XXXX, 2025 Original balance {$3400.00} Date opened XXXX XXXX, 2025 Status Collection account. {$3400.00} past due as of XX/XX/year>2025.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This letter was sent certified seven different occasions. Since XXXX. 

Date : XX/XX/year>2025 To Whom It May Concern, I am writing to demand the removal of four ( 4 ) late payments reported on my paid-in-full mortgage account navy federal credit union account XXXX XXXX This mortgage was legally addressed in my divorce decree, and I was no longer the party responsible for the payment. 

Additionally, the mortgage has been fully satisfied, and there is no ongoing debt or delinquency. 

You are reporting inaccurate, outdated, and damaging information. I am demanding that Navy Federal : 1. Immediately remove all late payment notations from my credit report.

2. Submit updated tradeline corrections to XXXX XXXX and XXXX 

If not resolved within 10 business days, I am prepared to : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) - Engage legal counsel for violations of the Fair Credit Reporting Act ( FCRA ) - Notify the Office of the Inspector General for the Department of Defense, as this issue has implications for my financial se Attached is my divorce decree and documentation confirming full payment of the loan.I expect immediate resolution and confirmation that this account has been corrected. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation