vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio recovery has been calling me for XXXX weeks Monday through Friday XXXX XXXX XXXX. I do not know the amount they are harassing me for Ive never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I am submitting a formal dispute of a late payment listed on my credit file. My payment records and banking confirmations show that the transaction was completed prior to the due date. This inaccurate late payment is unfairly affecting my financial reputation. I ask that you remove this error and ensure my credit report reflects only accurate and verifiable data.

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 2025-06-21 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-06-21 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : XXXX XXXX XXXX  XXXX Account XXXX Account type : Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX CARD Account number : XXXX Account type : Credit card Responsibility Individual Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Account type : Mortgage Responsibility Individual Date XXXX XXXX XXXX XXXX Account XXXX Account type : Home Imp Loan Responsibility Individual Date opened : XX/XX/XXXX I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : XXXX. A formal investigation into the reported late payment XXXX. Documentation validating its accuracy XXXX. Removal or correction if the furnisher can not prove the payment was late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : XXXX XXXX XXXX  XXXX Account XXXX Account type : Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX CARD Account number : XXXX Account type : Credit card Responsibility Individual Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Account type : Mortgage Responsibility Individual Date XXXX XXXX XXXX XXXX Account XXXX Account type : Home Imp Loan Responsibility Individual Date opened : XX/XX/XXXX I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : XXXX. A formal investigation into the reported late payment XXXX. Documentation validating its accuracy XXXX. Removal or correction if the furnisher can not prove the payment was late

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a collection account with XXXX XXXX XXXX for a XXXX XXXXComenity Bank account XXXX On XX/XX/year>, I paid the full balance of {$720.00} via debit card. The payment was posted on XX/XX/year>. At the time of payment, a representative from XXXX XXXX verbally confirmed that the account would be deleted from my credit reports once the balance was paid. 

Despite paying the account in full and the balance showing as {$0.00}, the account is still being reported as a charge-off or derogatory by Comenity Bank on my credit reports. Additionally, the account is incorrectly listed under the name " XXXX XXXX. XXXX. '' I do not have a middle name and never have. 

I have disputed this with the credit bureaus and contacted XXXX, but the information remains unchanged. I am now filing this complaint because the deletion agreement was not honored, and inaccurate information ( my name ) is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CBC Companies, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX Phone : XXXX Innovis XXXXXXXX XXXX XXXXXXXX, XXXX, PA XXXX Phone : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Phone : XXXX RE : Formal Demand for Immediate Removal of Inaccurate Bankruptcy and XXXX XXXX Reporting Under 15 U.S.C. 1681b and Other Applicable Federal Laws To Whom It May Concern, I am contacting you regarding inaccurate and unlawful entries reporting on my credit profile, specifically a bankruptcy filed through a XXXX XXXX in XXXX and a XXXX XXXX  account labeled under Act # XXXX. 

These accounts are unauthorized, unverifiable, and were obtained or reported in violation of federal law, specifically : 1. 15 U.S.C. 1681b Permissible Purpose for Consumer Reports You have no permissible purpose to report or share these derogatory items without my written consent or a valid legal basis. Reporting child support or bankruptcy data especially via a secondary bureau without a verified court order or my authorization violates this statute.

2. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The reporting of unverifiable or outdated public records and child support accounts without ensuring complete accuracy is a clear violation. Any continued reporting after receiving notice of dispute is considered willful noncompliance.

3. Recent Legal Precedent : As you are well aware, credit bureaus and secondary reporting agencies have been sued for illegal reporting of bankruptcies and unverifiable debts. For instance, XXXX and XXXX have faced class action lawsuits over their failure to ensure data accuracy and for selling consumer information without proper consent. 

FORMAL DEMAND : 1. IMMEDIATE deletion of any and all references to : - Bankruptcy records falsely tied to my name- XXXX XXXX Account # XXXX - Any related public records that are inaccurate, unverifiable, or obtained without permissible purpose 2. Immediate cease and desist from sharing, selling, or redistributing any such data.

3. Provide me with : - Full disclosure of the source of these entries - Proof of permissible purpose under FCRA - A written statement confirming deletion Failure to comply will result in the following : Filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Complaint to the XXXX XXXX XXXX XXXX XXXX Filing a civil suit for violation of the Fair Credit Reporting Act ( FCRA ), including damages for negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CORELOGIC INC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX CoreLogic XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Phone : XXXX RE : Formal Demand for Immediate Removal of Inaccurate Bankruptcy and Child Support Reporting Under 15 U.S.C. 1681b and Other Applicable Federal Laws To Whom It May Concern, I am contacting you regarding inaccurate and unlawful entries reporting on my credit profile, specifically a bankruptcy filed through a XXXX XXXX in XXXX and a child support account labeled under Act # XXXX. 

These accounts are unauthorized, unverifiable, and were obtained or reported in violation of federal law, specifically : 1. 15 U.S.C. 1681b Permissible Purpose for Consumer Reports You have no permissible purpose to report or share these derogatory items without my written consent or a valid legal basis. Reporting child support or bankruptcy data especially via a secondary bureau without a verified court order or my authorization violates this statute.

2. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The reporting of unverifiable or outdated public records and child support accounts without ensuring complete accuracy is a clear violation. Any continued reporting after receiving notice of dispute is considered willful noncompliance. 

XXXX. Recent Legal Precedent : As you are well aware, credit bureaus and secondary reporting agencies have been sued for illegal reporting of bankruptcies and unverifiable debts. For instance, XXXX and XXXX have faced class action lawsuits over their failure to ensure data accuracy and for selling consumer information without proper consent.

FORMAL DEMAND : 1. IMMEDIATE deletion of any and all references to : - Bankruptcy records falsely tied to my name
- Child Support Account # XXXX - Any related public records that are inaccurate, unverifiable, or obtained without permissible purpose 2. Immediate cease and desist from sharing, selling, or redistributing any such data.

3. Provide me with : - Full disclosure of the source of these entries - Proof of permissible purpose under FCRA - A written statement confirming deletion Failure to comply will result in the following : Filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Complaint to the Wisconsin Department of Financial Institutions Filing a civil suit for violation of the Fair Credit Reporting Act ( FCRA ), including damages for negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint concerning inaccurate and conflicting information being reported by one of my creditors to the credit reporting agencies. Despite my efforts to resolve the matter directly with the creditor, the issue remains unresolved, and I am now requesting your office to investigate.

The creditor in question has reported my account as a charge-off to the credit bureaus. However, when I requested validation of the account and received the accounting ledger, I noticed a major discrepancy in their records. The ledger reflects two different principal balances : One section lists the principal balance as {$10000.00} Another section shows the principal balance as {$10000.00} This internal inconsistency raises serious concerns about the accuracy of the entire account. If the creditor can not maintain consistent financial data for a basic figure such as the principal balance, it is reasonable to conclude that other aspects of the account including fees, dates, and closure status may also be unreliable or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/year>2025 at XXXX XXXX, I sent a MoneyGram transfer to a valid, active MoneyGram card. The service states funds are normally available within minutes, and my previous transfers have always been instant. 

As of XXXX XXXX, nearly 12.5 hours later, the transfer still says In Transit. The receiver has not received the funds, and I have received no valid explanation from MoneyGram.

I contacted customer support multiple times. They continue to tell me to wait until the end of the day, without giving me any update, cancellation option, or assurance.

The money was removed from my account immediately, yet no one can tell me where it is or when it will be delivered.

This is unacceptable, and I am requesting an immediate refund of the full transfer amount and all fees, or confirmation of a completed transfer.

If this issue is not resolved within the next 24 hours, I will pursue further legal action, including small claims court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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 was shocked to find accounts on my credit report that I did not open or approve. These are not mine, and I strongly believe they were added through fraudulent activity. I am requesting their immediate deletion in line with 15 U.S. Code 1681g. I expect this to be resolved within 15 days. Attached are documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 am writing to challenge the accuracy of a late payment reported on my credit report. According to my records, the payment was made on time and should not have been flagged as late. I maintain a consistent history of timely payments and have not received any notifications suggesting otherwise. As this reporting mistake is detrimental to my credit standing, I respectfully request its immediate correction and removal from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of deb ' the ORIGINAL Contract bearing my signature explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief