vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Dear XXXX XXXX  XXXX XXXX, I am writing to formally dispute the furnishing of my consumer report by your company without my written consent. Upon review of my credit file, I discovered that you accessed or obtained my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Section 604 ), which strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written consent of the consumer. I have no record of providing such consent to your company. As such, your actions appear to constitute a willful violation of the FCRA.

Furthermore, under 15 U.S.C. 1681n, you are subject to civil liability for willful noncompliance. This includes actual damages, punitive damages, and costs of litigation, including reasonable attorneys fees, as provided under the statute. 

I request the following actions immediately : 1. Provide proof of my written consent authorizing the furnishing of my consumer report.

2. If no such proof exists, remove any inquiry or record of your access to my credit file from all credit reporting agencies.

3. Confirm in writing that your company will cease any unauthorized activities and comply with all applicable provisions of the FCRA.

Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA, including seeking damages for willful noncompliance.

Please treat this letter as a formal demand for resolution and provide your response within 30 days of receipt. I expect all communication regarding this matter to be in writing and sent to the address listed above. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Earlier today, I found unfamiliar accounts listed on my credit report and I have no explanation for their presence. I routinely review my credit report, but these discrepancies appeared unexpectedly. I attempted to refresh the page in case it was a temporary glitch, but the incorrect accounts remained. Therefore, Im requesting a thorough review of the documents I submitted to ensure this issue is properly addressed.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against all three major credit bureausEquifax, Experian, and TransUnionfor their continued inaccurate and unlawful reporting of an XXXX XXXX account that was closed and paid in full on XX/XX/XXXX. 

XXXX XXXX has provided official written confirmation ( dated XX/XX/XXXX ) that : The Date of First Delinquency ( DOFD ) was XX/XX/XXXX The account was paid and closed with a {$0.00} balance as of XX/XX/XXXX Despite this, all three credit bureaus continue to report monthly charge-off ( CO ) notations for months after the account was resolved : Equifax is XXXX CO status from XX/XX/XXXX through XX/XX/XXXX Experian is reporting CO status through XX/XX/XXXX TransUnion is XXXX CO status through XX/XX/XXXX These continued updates are misleading and unlawful, and they violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681c ( a ) ( 4 ) : Prohibits reporting charge-off information beyond 7 years from the original delinquency and prohibits re-aging of derogatory items.

FCRA 1681s-2 ( a ) : Requires that all information furnished to credit bureaus be accurate and not misleading.

FCRA 1681i : Requires credit bureaus to conduct a reasonable reinvestigation upon dispute. In previous disputes, the bureaus either failed to update the information or verified it using invalid methods ( e.g., name/SSN matching ), not based on actual account status.

These charge-off updates are appearing after the account was closed and settled, giving the false impression that new delinquencies occurred when in fact the debt was resolved. This ongoing reporting is materially inaccurate, misleading to creditors, and causing continued and unnecessary damage to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regarding false information on my account from a collection agency called XXXX XXXX XXXX, and also known aXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account was previously disputed as fraudulent and removed. Its reappearance on my report without proper written notice is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 5 ) ( B ). I was not notified within 5 business days of reinsertion, as required by law.

This account is fraudulent, was never authorized, and I have provided FTC documentation and prior dispute letters confirming this.

I am demanding permanent deletion of this account. Failure to comply will result in immediate complaints filed with the CFPB, FTC, and legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
This is now my fifth formal attempt to correct the inaccurate reporting of three late payments on my XXXX XXXX XXXX  account, specifically for the months of XXXX 2023, XXXX  2023, and XXXX 2023, as reported by TransUnion. Despite submitting multiple disputes, TransUnion has failed to make the necessary corrections, and the account continues to appear with these erroneous late marks on my credit report. This ongoing inaccuracy is a direct violation of several provisions of the Fair Credit Reporting Act, including 15 U.S.C. 1681a ( 4 ), which protects my right to privacy ; 1681e ( b ), which requires the reporting agency to ensure maximum possible accuracy ; and 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. Additionally, I have not received any results or explanation of the investigation, which is a violation of 1681i ( a ) ( 7 ). Reporting these lates without my knowledge or consent also violates 1681b ( 2 ) and 1681c-2. Both XXXX and XXXX have already corrected the same information after I filed disputes with them, so I can not understand why TransUnion continues to report these inaccurate late payments without providing any verification or justification. These errors are actively damaging my creditworthiness and financial standing. What makes this even more unreasonable is that TransUnion itself reflects the payment status as paid as agreed, which directly contradicts the three reported delinquencies. I am demanding that TransUnion immediately update this account to reflect paid as agreed and remove the inaccurate late payments from XXXX XXXX, and XXXX  2023. If TransUnion can not verify the accuracy of this information with proper documentation, they are required by law to delete it. Noncompliance with these obligations exposes TransUnion to legal liability under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance. I am requesting the CFPBs assistance in holding TransUnion accountable for these ongoing violations.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
My company, XXXX XXXX XXXX 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 

For the past year and a half, we have relied on XXXX for our payment processing needs without any issues. However, a few days ago, an invoice payment of {$8600.00} was processed, and these funds have not appeared in our available balance. 

Upon inquiry, we were informed that our account was under review and the transaction was labeled as suspicious. As requested in your email, we promptly provided all necessary verification information, including invoices and contact details to verify the payer. It is important to note that this payment came from the same individual using the same payment method as numerous previous successful transactions over the past 18 months. 

Today, we received an email stating that our funds will be held for 90 days and that our account has been deactivated because Square can no longer serve our business needs. This decision is completely unacceptable and will have severe consequences for our operations and our ability to XXXX XXXX XXXX XXXX 

We can not afford to have {$8600.00} held indefinitely, especially given our immediate financial obligations, iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The lack of explanation for this hold is deeply troubling. We were informed that a refund would not be issued to the payer, and our account has been deactivated, effectively halting our ability to process payments. 

The inability to access these funds and the deactivation of our account have directly impacted our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We have received no clear reason for this action, and this disruption poses a significant threat to our crucial operations. 

We urgently request immediate clarification regarding the reason for the funds hold and account deactivation. Furthermore, we demand an immediate release of the {$8600.00} payment so that we can continue our vital work. We also need to understand the specific reasons why Square can no longer serve our business needs, especially considering our consistent and legitimate transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely check my credit report, but this time I noticed some unexpected discrepancies. Thinking it might be a technical glitch, I refreshed my browser, but the inaccurate accounts remained. Due to this issue, I request that the documents I submitted be reviewed carefully to ensure this problem is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I recently reviewed my credit report and noticed that I have fraudulent account on my report. Please remove these accounts. Thank you.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has reduced the credit limit on my XXXX XXXX XXXX XXXX twice in less than XXXX months. My limit was most recently reduced to {$500.00}. I have never missed a payment, my current balance is {$0.00}, and I have maintained a responsible payment history. Despite this, the only explanation I received was that the decision was based on information from XXXX. 

I reviewed my XXXX  credit report and found no new negative entries or changes that would justify this decision. When I contacted Citi through their apps secure chat, I requested a reason for the reduction and asked for reconsideration. The representative said they forwarded my concern but gave no further information, and then advised me to call a general customer service number. 

These repeated limit reductions have significantly damaged my credit score by increasing my utilization ratio through no fault of my own. I am requesting : 1. A clear explanation for both credit limit decreases.

2. Reconsideration and restoration of my previous credit limit. 

This issue has caused harm to my credit profile and I am seeking resolution through this complaint.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-16 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: PA

Complaint narrative:
I am disputing the inaccurate reporting of the following accounts by Experian : 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  dated XX/XX/XXXX for {$0.00}. Additionally, my personal information is inaccurately listed, including an incorrect previous address : XXXX XXXX XXXX XXXX XXXX, PA XXXX, reported as of XX/XX/XXXX. This address is not associated with my current or previous residences, and its inclusion in my credit report is misleading and potentially damaging. 

This misinformation not only violates my rights under the FCRA but also exposes me to increased risk of identity theft, financial hardship, and emotional distress. Given the prevalence of data breaches, it is highly likely that this incorrect data is the result of compromised or poorly managed information. I should not have to bear the financial and emotional burden of errors caused by inadequate verification processes. This negligence has a profound impact on my creditworthiness, leading to higher interest rates, denied credit applications, and financial instability.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had a Capital One XXXX card that was converted to a Capital One XXXX card. After it converted, the capital one XXXX card continued to show a balance but as closed. I filed a dispute with XXXX, the only one reporting this wrong, and they instead reopening the item on the credit report despite the fact I made it clear that one account was converted and is no longer active or holding a balance. Nobody will help me at capital one or at XXXX. Account XXXX was converted to account XXXX after the capital one XXXX card was discontinued, reviewing the attached credit reports you can see the same limits, the same opening date, anyone with a brain at the credit bureau should be able to fix this but all I can get are people overseas that are not americans to answer the phone.I am also including my credit card statements, in XXXX of 2024 account XXXX no longer was active, and in XX/XX/year>2024 account XXXX was the new account number. These statements reflect this one account, being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
I sent XXXX a certified Pay-for-Delete settlement offer on XXXX/2025. They received it on XXXX/2025 but never responded, validated the debt, or acknowledged the letter. Despite that, they updated the tradeline on XXXX/2025 and again on XXXX/2025. This occurred while an open dispute was pending and without any supporting documentation sent to me. This violates the Fair Credit Reporting Act, specifically FCRA 1681s-2 ( b ), which requires furnishers to validate disputed debts before re-reporting. XXXX updates during the dispute process, without engaging with the consumer, are improper and damaging to my credit file.

Company response to consumer: Closed with explanation