vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EQUIFAX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report FTC Report Number : XXXX EQUIFAX has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that EQUIFAX has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue.

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed ) Status shown Chargeoff.

Last Updated : * * XX/XX/XXXX * * ( Equifax ) Balance : * * {$3000.00} * * | Credit Limit : * * {$2300.00} * * | Utilization : XXXX XXXX XXXX XXXX XXXX XXXX  Worst Delinquency : XXXX XXXX XXXX XXXX XXXX XXXX past due.

Issue : XXXX disputes the ownership/amount/chargeoff status. This appears only on Equifax, not on the other two bureaus in the same way.

2 ) * * XXXX XXXX XXXX  * * ( Closed ) Status Chargeoff.

Last Updated : * * XX/XX/XXXX * * ( Equifax ) Balance : * * {$930.00} * * | Credit Limit : * * {$500.00} * * | Utilization : XXXX XXXX XXXX XXXX XXXX XXXX Worst Delinquency : XXXX XXXX XXXX XXXX XXXX past due.

Issue : Disputed as inaccurate/unauthorized ; appears to be a duplicate/second XXXX XXXX tradeline with conflicting amounts/dates. 

3 ) * * XXXX XXXX XXXX  XXXX * * ( Closed ) Status Chargeoff.

Last Updated : * * XX/XX/XXXX * * ( Equifax ) Balance : * * {$1800.00} * * | Credit Limit : * * {$1400.00} * * | Utilization : * XXXX XXXX XXXX * * Issue : Conflicts with later reports for the * * same creditor * * showing $ XXXX/settled ( XX/XX/XXXX ) and a different high balance ( * * {$3600.00} * * as of XX/XX/XXXX on other bureaus ). Equifax must verify which record is valid and remove/merge duplicates. 

4 ) * * XXXX XXXX XXXX  XXXX * * ( Closed ) Status Chargeoff. 
Last Updated : * * XX/XX/XXXX * * ( reported on multiple bureaus ) Balance : * * {$3600.00} * * | Credit Limit : * * {$2800.00} * * | Utilization : * * XXXX XXXX XXXX XXXX Issue : Inconsistent with the XX/XX/XXXX entries ( showing {$0.00} and paid/settled ) and with item # 3 above. Equifax should not report conflicting versions of the same account history. 

5 ) * * XXXX XXXX * * ( Closed ) Status Chargeoff/Transferred Last Updated : * * XX/XX/XXXX * * ( Equifax entry ) Balance : * * {$0.00} * * Issue : Creditor name appears misspelled/unknown ; no supporting documentation was provided. Dispute ownership/accuracy ; request deletion if unverifiable.

Legal basis referenced ( plain language ) : FCRA 611 ( a ) ( 1 ) : Right to dispute and require a reasonable reinvestigation ( generally XXXX  days ).

FCRA 611 ( a ) ( 6 ) : Right to written notice of results and * * method of verification * * upon request.

FCRA 623 ( a ) : Furnishers must report accurately and correct/augment information when notified of a dispute.

Reinsertions require notice ; reporting must be consistent and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraudulent charges were made to my account over the course of 2 days. These charges were made using a stolen debit card that I didnt realize was not in my possession ( I usually store this card in a bag and use XXXX XXXX ). The charge clearly indicated a spending spree totaling to over {$700.00}. I have been with Bank of America for over a decade, since my first job, and these charges do not match at all my spending habits. It was for places Ive never shopped at and in a city I dont live. I reported the charges within 2 days of them being made and Bank of America just denied my claim after XXXX weeks of investigation claiming that the charges were made by me or someone I authorized. That is impossible as no one knows my pin, I have no authorized users on my account.

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 2025-09-09 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: NC

Complaint narrative:
I am filing a follow up complaint that Recently, I discovered a collection account reported by XXXX XXXX with a balance of {$390.00}. I have never received proper validation of this debt, nor have I been provided documentation to prove its legitimacy. Under the Fair Credit Reporting Act, specifically 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute and request removal of unverifiable or inaccurate information. This account, as reported, does not meet the standards of verification required by law and should therefore be removed from my credit file. 
In addition, my credit report shows several inquiries that I did not initiate, including 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. These unauthorized inquiries violate FCRA 619 ( 15 U.S.C. 1681q ) and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), as I never provided consent for these companies to access my credit. These inquiries are a further example of inaccurate reporting on my file and must be investigated and removed promptly.

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 2025-09-09 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: HI

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-09 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act, the list 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 602. 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 a account whithout my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Sections 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 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 it the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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 2025-09-09 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: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX 30 days late reported. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing 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 explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute and Request for Full Validation Account # XXXX Dear Upgrade Servicing Team, I am in receipt of your letter dated XX/XX/year>, regarding the above-referenced account. Please be advised that I dispute this debt in its entirety. The documentation provided does not fully substantiate your claim of the alleged balance. 
Under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I hereby demand that you provide a complete and accurate validation of this account. Specifically : XXXX. XXXX XXXX XXXX a wet-ink signed agreement showing my informed consent, not merely an electronic copy with disclaimers. 
XXXX. Detailed Accounting a complete ledger of principal, interest, fees, payments, and charge-off calculations proving how you reached the alleged {$49000.00} balance. 
XXXX. Proof of Assignment or Ownership if XXXX XXXX XXXX XXXX longer the creditor, identify the current legal owner with proper assignment/transfer documents. 
XXXX. Compliance with XXXX XXXX provide evidence that your loan and collection activities are compliant with California law, including required disclosures, interest rate limitations, and consumer protection statutes. 
Until you produce the above documentation, you must immediately : - Cease all collection activities ( including phone calls, emails, and reporting ) as the debt remains in dispute. 
- Cease reporting to credit bureaus or, at minimum, update the account to reflect disputed by consumer status in accordance with FCRA XXXX ( a ) ( XXXX ). 
They have Failed to comply as a result XXXX have reached out to Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and the Attorney Generals Office. I also reserve the right to pursue legal remedies for violations of federal and state consumer protection laws. 
This letter serves as notice of dispute and demand for validation. I expect a response within 15 days, and state by law. I am asking the CFPB to take action on this matter. 
I have attached a picture of the poor and incomplete debt validation response.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute and Request for Full Validation Account # XXXX Dear XXXX  XXXX XXXX, I am in receipt of your letter dated XX/XX/year>, regarding the above-referenced account. Please be advised that I dispute this debt in its entirety. The documentation provided does not fully substantiate your claim of the alleged balance. 
Under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I hereby demand that you provide a complete and accurate validation of this account. Specifically : 1. Original Loan Contract a wet-ink signed agreement showing my informed consent, not merely an electronic copy with disclaimers. 
2. Detailed Accounting a complete ledger of principal, interest, fees, payments, and charge-off calculations proving how you reached the alleged {$49000.00} balance. 
3. Proof of Assignment or Ownership if XXXX XXXX is no longer the creditor, identify the current legal owner with proper assignment/transfer documents. 
4. Compliance with State Law provide evidence that your loan and collection activities are compliant with California law, including required disclosures, interest rate limitations, and consumer protection statutes. 
Until you produce the above documentation, you must immediately : - Cease all collection activities ( including phone calls, emails, and reporting ) as the debt remains in dispute. 
- Cease reporting to credit bureaus or, at minimum, update the account to reflect disputed by consumer status in accordance with FCRA 623 ( a ) ( 3 ). 
They have Failed to comply as a result ii have reached out to Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection & Innovation, and the Attorney Generals Office. I also reserve the right to pursue legal remedies for violations of federal and state consumer protection laws. 
This letter serves as notice of dispute and demand for validation. I expect a response within 15 days, and state by law. I am asking the CFPB to take action on this matter. 
I have attached a picture of the poor and incomplete debt validation response.

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 2025-09-09 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: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX XXXX XXXX # XXXX * * * * -Date Opened XX/XX/year> -Balance {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc
State: FL

Complaint narrative:
FlexLending , LLC, the original creditor for a previously forgiven debt, has failed to follow federal laws by sending repeated automated emails regarding this discharged debt and transferring the zombie debt to XXXX XXXX XXXX XXXX. These actions constitute violations of federal statutes and have caused significant emotional, financial, and personal harm. 
Legal and Statutory Basis : FDCPA, 15 U.S.C. 1692 et seq. Prohibits collection of discharged debts and any abusive, deceptive, or unfair collection practices.

FCRA, 15 U.S.C. 1681 et seq. Prohibits reporting of previously resolved debts and reinsertion of zombie debts.

Dodd-Frank / CFPB, 12 U.S.C. 5531, 5536 Grants authority to the CFPB to regulate and enforce against unfair, deceptive, or abusive acts or practices by creditors and debt collectors.

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 XXXXports recovery for willful/reckless misconduct causing emotional harm. 

No Proof Required Cases 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Establishes statutory liability without proof of actual harm. 

Victim Impact Statement : FlexLending, LLCs actions have caused severe emotional distress, XXXXXXXX XXXX XXXXXXXX, loss of XXXX function, loss of appetite, and significant disruption to my financial stability, housing, vehicle, educational plans, and overall quality of life. 

Desired Resolution : Full acknowledgment of responsibility by FlexLending , LLC for all violations. 

Confirmation that the forgiven debt will not be reported, transferred, or sold again. 

Assurance that no further automated communications will be sent regarding the forgiven debt. Compensation for statutory, actual, punitive, and unitive damages caused by these violations. Immediate communication confirming all corrective actions and compliance with applicable federal and state laws. 

Additional Actions : This complaint is being filed concurrently with the FTC and XXXX to ensure full legal compliance and enforcement. FlexLending , LLC is legally obligated to resolve this matter promptly and completely to prevent further harm and additional legal actions.

Company response to consumer: Closed with explanation