vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
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 2025-07-21 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I am filing a formal complaint regarding a debt collection matter in which the company responded on XX/XX/year>, stating that contemporaneous documentation reveals that all legal notices were mailed as required. However, I have not received any of the required legal notices as prescribed under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g.

Per Section 1692g ( a ), a debt collector must send the consumer a written notice containing specific information within five days of the initial communication. As of today, I have not received such notice, and the company has failed to provide adequate proof that it was sent to the correct address or that I received it. 

Additionally, I have issued a cease and desist request as permitted under 15 U.S.C. 1692c ( c ). Despite this, collection activity continues, which is a direct violation of federal consumer law.

I request that the Consumer Financial Protection Bureau : Investigate this companys failure to properly validate and verify the alleged debt as required by law ; Hold the company accountable for violating 15 U.S.C. 1692g and 1692c ; Instruct the company to delete the tradeline from all consumer reporting agencies due to its failure to comply with validation requirements ; Require the company to cease all collection activity immediately. 

I have attempted to resolve this matter with the company, but the response provided is insufficient and fails to prove lawful compliance. 

Thank you for your attention to this matter. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were fraudulently created and I was unaware of them. I request their removal within 15 days in line with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
I am writing to formally dispute a debt account reported by XXXX. XXXX, which is currently appearing on my credit file. I am contacting you under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i and 1681s-2 ) and demanding an immediate removal of this item.

The account is being reported without proper documentation, validation, or authorization. I never received any notice of the debt, and I have no knowledge of this account, nor do I owe any such balance. 

I have already contacted XXXX. XXXX and requested verification under my rights established by the FDCPA ( 15 U.S.C. 1692g ). They failed to provide : A copy of any signed contract Proof that I owe this debt Evidence that they have legal authorization to report it Itemization of the amount allegedly owed Furthermore, the original creditor or furnisher who permitted XXXX XXXX XXXX report this debt has failed to ensure the accuracy and integrity of the information, as required by FCRA 1681s-2 ( b ). The information is clearly inaccurate and unverifiable, and as such, it should not be reported to any credit bureau.

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 2025-07-21 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: VA

Complaint narrative:
I am writing to formally dispute a debt account reported by XXXX. XXXX, which is currently appearing on my credit file. I am contacting you under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i and 1681s-2 ) and demanding an immediate removal of this item.

The account is being reported without proper documentation, validation, or authorization. I never received any notice of the debt, and I have no knowledge of this account, nor do I owe any such balance. 

I have already contacted XXXX. XXXX and requested verification under my rights established by the FDCPA ( 15 U.S.C. 1692g ). They failed to provide : A copy of any signed contract Proof that I owe this debt Evidence that they have legal authorization to report it Itemization of the amount allegedly owed Furthermore, the original creditor or furnisher who permitted XXXX XXXX XXXX report this debt has failed to ensure the accuracy and integrity of the information, as required by FCRA 1681s-2 ( b ). The information is clearly inaccurate and unverifiable, and as such, it should not be reported to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They keep reporting into my credit report because of charges Credit making my credit not better. Is there anyways to stop it. Many accounts have been disputed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have reported repeatedly and disputed an old account from XXXX XXXX that is over seven years old and should have been removed from my credit report according to the XXXX Guy both Experian Union have already deleted my dispute, but Equifax continues to report this in reporting is negatively affecting my credit for a housing. I formally requested that Equifax delete this obsolete information, but they have fail to do so did not provide a valid reason or investigation outcome. This is a violation of the fair credit reporting which state that I did it negative items must be removed after seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX XXXX XXXX ) To whom it may concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting on my consumer file related to a XXXX XXXX XXXX credit card account ( account ending in XXXX / XXXX / XXXX ) that was closed in XX/XX/XXXX, yet is still being reported as active and derogatory by XXXX XXXX  and TransUnion. 

Details of the Inaccuracy : The account was closed in XX/XX/XXXX, yet all XXXX credit bureaus continue to report : Late payments in XXXX XXXX " Last activity '' and " last payment '' dates in XXXX and XXXX Updates as recent as XX/XX/XXXX ( XXXX  XXXX, XX/XX/XXXX ( TransUnion XXXX, and XX/XX/XXXX ( XXXX  ) This reporting violates my rights as a consumer under federal law and is causing ongoing harm to my credit reputation and financial opportunities. 

Applicable Laws Being Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. 
XXXX ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting payments or activity after a verified closure date is inaccurate. 

XXXX ( a ) Reinvestigation of Disputed Information If a consumer disputes information, the bureau must investigate and delete or correct any unverifiable or inaccurate data within XXXX days. 

XXXX ( a ) ( XXXX ) ( A ) Duty of Furnishers to Provide Accurate Information Data furnishers like XXXX XXXX XXXXXXXX may not report information they know or have reasonable cause to believe is inaccurate. 

XXXX ( b ) Duties After Notice of Dispute After receiving notice of a dispute from a credit bureau , the furnisher must conduct a proper investigation and correct or delete any false 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 2025-07-21 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: CA

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX in XXXX, TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$780.00} ( account # XXXX ) XXXX XXXX XXXX - {$950.00} ( account # XXXX ) XXXX - {$11000.00} ( account # XXXX ) XXXX XXXX - {$1600.00} ( account # XXXX ) XXXX XXXX - {$0.00} ( account # XXXX ) XXXX XXXX XXXX XXXX {$6400.00} ( account # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I attempted to withdraw cash from my Bank of America ATM in XXXX NC and was alterted my card was unable to be used at the ATM for this. I called 4 times on the evening of XX/XX/year>, starting at : XXXX XXXX XXXX XXXX And was told they were inactive due to fraud. I had not submitted a fradulent claim nor did I receive an email, text, or call at all during that day or any time before that. As of XX/XX/year> I have not been alerted via email, text, call or postal mail of the fraud claims that were placed upon my account. I have currently spent over 2 hours on the phone seeking answers to be provided none.

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 monetary relief
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
All the credit has received incorrect information from XXXX XXXX I have XXXX and XXXX whatever XXXX doesn't pays XXXX picks it up I don't understand why this has been put on my credit report XXXX XXXX  they have their selves listed as the original guantor which is false information along with everything else they have shown on my report

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 2025-07-21 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: AL

Complaint narrative:
All the credit has received incorrect information from XXXX XXXX I have XXXX and XXXX whatever XXXX doesn't pays XXXX picks it up I don't understand why this has been put on my credit report XXXX XXXX  they have their selves listed as the original guantor which is false information along with everything else they have shown on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

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 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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I subscribed to a card at a GAP store without knowing that it was a credit card. I never got the card by mail and a month later I received a mail explaining that I didnt pay the fees. I called the vendor and had to pay the amount but my credit score dropped by XXXX XXXXoints. The bank explained that there was a problem but didnt give any further information

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 2025-07-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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