vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information currently appearing on my Equifax credit report regarding my XXXX XXXX account. I am respectfully requesting that the negative payment history, including the 30-day past due remark, be removed from my report as it is harming my ability to secure a home loan and does not align with how this account is reported to the other major credit bureaus.

Here are the clear inconsistencies that need your urgent attention XXXX XXXX is reporting this account as Paid or paying as agreed with no late payments or derogatory remarks whatsoever.

XXXX while reporting some delinquencies, has not been updated since XX/XX/XXXX, making that information questionable at best. 
Equifax, however, shows Pays account as agreed yet reflects a 30-day delinquency, which is contradictory in itself and not consistent with XXXX  reporting. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires all information on consumer credit reports to be accurate and complete. It is not possible for the same closed account to simultaneously have different delinquency statuses across bureaus if the information being furnished is truly accurate.

Additionally, your report reflects a 30-day past due status, yet the account is marked closed with a {$0.00} balance, and it was recently updated in XX/XX/XXXX, years after the last update to XXXX XXXX XXXX This inconsistency and outdated derogatory remark directly affect my ability to qualify for favorable lending terms, specifically a home loan, which is of great importance to me and my family. 

I take my credit very seriously and have worked hard to maintain responsible financial habits. Incorrect or outdated information undermines those efforts and unfairly damages my creditworthiness.

In accordance with the FCRA, I am formally requesting : 1. A full investigation into the accuracy and completeness of the XXXX XXXX account on my Equifax credit report. 
2. The removal of the 30-day past due remark and any negative payment history associated with this account, as the information can not be verified as 100 % accurate, complete, and consistent.

Please provide the results of your investigation within 30 days as required by law. If you are unable to verify the accuracy of this information, it must be promptly removed.

Thank you for your attention to this matter. I look forward to receiving confirmation that this harmful and inaccurate information has been corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 disputed XXXX XXXX XXXXXXXX XXXX...., XXXX XXXX XXXX.... and XXXX XXXX.... on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request verification and documentation of a debt currently being reported by your agency and appearing on my credit report. 



Account Information : Current Creditor / Debt Buyer : Midland Credit Management Original Creditor : Unknown at this time Account Number ( Last Four Digits ) : XXXX  Balance Reported : {$650.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account {$650.00} Past Due as of XX/XX/XXXX Status Last Updated : XX/XX/XXXX Credit Bureau Reporting Agencies : XXXX XXXX XXXX  This letter is a formal request made pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609 ( a ) ( 1 ) right to request all information in a consumers file at the time of the request Section 611 ( a ) right to dispute and request deletion of unverifiable or inaccurate information Section 611 ( a ) ( 7 ) right to request the method of verification used to confirm the accuracy of disputed items Accordingly, I am requesting the following information and documentation regarding this account : 1. The date of first delinquency with the original creditor 2. The date of the last payment made on the original account 3. The date the account was charged off, if applicable 4. The date the account was sold, assigned, or transferred to Midland Credit Management 5. The date this account was first reported to XXXX XXXX XXXX XXXX  XXXX. A copy of the original contract, application, or agreement that contains my signature and establishes the debt 7. The full name, contact information, and account number of the original creditor 8. A detailed explanation of the method of verification used to report and validate this account on my credit profile Please respond to this request in writing only. I do not consent to any phone calls, texts, or emails. All correspondence should be mailed to the address provided above. 

If this debt can not be fully verified and substantiated with proper documentation, I respectfully request that this account be corrected or deleted from all credit reports in compliance with FCRA 611 ( a ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Last 4 digits of XXXX : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXX XXXX However, without providing the statutorily required notice and certifications, XXXX  reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
For the years of XXXX, XXXX, TD Bank double debited my account, and failed to add my deposits into my balance. TD Bank failed to post approximately {$150000.00} for both XXXX, and XXXX. I did a dispute of my debit card transaction for acct # XXXX. TD Bank issued credits, and then once I removed my funds from the bank it reversed all credits, failing to investigate my dispute, and credit me back those disputes. It reversed disputes, told me I didnt have to pay the vendors as I was doubled billed. The vendors then told me a contradictory story that I needed to pay the returned balance back. TD Bank failed to return me my deposits, and failed to return me my credits that were disputed leaving me with a balance of over {$20000.00} for all disputes. It failed to investigate and return to me my money. I filed a police report as directed. It then kept adding on additional steps, until the 60 days had past, and closed my account while active disputes were in progress. To date, TD Bank has failed to return me my {$300000.00} + to my Business account or refund me credits from my debit card disputes. It has provided me with no updates, and continues to subject me to harassment by returning my transactions, XXXX being most recent prior to expiration a grace period, after sending he notice of a grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Black portfolio recovery ~ from my profile this is identity theft someone stole my information and used it to open a This is identity theft someone stole my information and used it to open an account Portfolio recovery failed to submit competent evidence that I am not a victim of identity, death and that someone did not steal my identity. Thereforeremove this immediately I did not open this account. This is identity, theft The account named portfolio recovery 1681C 2. FCRA. block of information resulting from identity theft. Section 8, except as otherwise provided in this section a consumer reported agency shall block the reporting of any information in the file of a consumer that the consumer identifies as identity theft Not later than four business days after the date of the receipt of such agency of identity theft.gov. Portfolio recovery is committing fraud by simply putting this on my Credit profile, and stating that I am responsible for this debt, but failed to show any supporting documents that my identity was not stolen. Im also requesting XXXX XXXX XXXX XXXX department be put under investigation for fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-02 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint because XXXX is furnishing fraudulent and inaccurate updates to a charged-off account that has been on my credit report for more than three years. XXXX renewed the charge-off with new over-credit-limit balances, falsely reporting new delinquencies to Experian in the amount of {$9200.00}. These updates artificially re-age the account, which violates the Fair Credit Reporting Act ( FCRA ), and are causing ongoing harm to my credit. 

This inaccurate and inconsistent reporting does not appear on XXXX highlighting inconsistencies across bureaus. The resulting negative reporting has prevented me from obtaining business funding, forcing me to purchase two business vehicles in my personal name. This has potentially cost me tens of thousands of dollars in tax savings as a startup owner and hindered my ability to apply for SBA financing, directly impacting my business operations and growth. 

I previously disputed these inaccuracies with Experian, which opened an investigation on XX/XX/year>, but closed the case without correcting the errors. XXXX actions and Experians failure to ensure accurate reporting have caused severe financial and business harm. 
Heres a list of relevant FCRA provisions XXXX and Experian are violating : 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires credit reporting agencies ( Experian ) to follow reasonable procedures to assure maximum possible accuracy of information. 

2 FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Prohibits furnishers ( OCCU ) from reporting information they know or have reasonable cause to believe is inaccurate. 

3. FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) Requires furnishers to correct and update information when it becomes inaccurate or incomplete.

4. FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Requires furnishers to conduct a reasonable investigation and correct inaccuracies after being notified of a dispute by a credit bureau XXXX 

5. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) Limits the time period for reporting derogatory information like charge-offs ( generally 7 years from date of first delinquency ) ; re-aging artificially extends this period, violating the statute.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to report multiple inaccuracies on my credit report obtained from XXXX, which sources data from the three major credit bureaus : TransUnion, Experian, and Equifax. The report was issued on XX/XX/XXXX, and is referenced by report number XXXX. 

Inaccurate and Inconsistent Information Identified Inconsistent Name Variations : My legal name is listed as XXXX XXXX XXXX, but Experian also includes " XXXX XXXX XXXX XXXX '' under " Also Known As. '' Equifax lists XXXX XXXX XXXXn under Former names, which is incorrect as it is my current legal name.

These inconsistencies can lead to mixed files or identity confusion.

Duplicate or Conflicting Employment History : The report lists multiple employers across bureaus including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

Some of these may be outdated or inaccurately associated with my profile. No dates of employment or verification are provided.

Address Discrepancies : Current addresses are reported differently : TransUnion : " XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX  Variations and formatting errors may cause mismatches in data processing.

Date of Birth Inconsistencies : Experian lists only the year XXXX, while TransUnion and Equifax show the full XXXXXXXX XXXX 

Uniformity in vital identity data is required under FCRA.

Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : Accurate and complete information in my credit file ( 15 U.S.C. 1681i ).

The right to dispute incomplete or inaccurate information ( 15 U.S.C. 1681i ( a ) ). 

A reinvestigation by the credit bureaus and correction or deletion of inaccurate data ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

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 2025-07-02 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: MA

Complaint narrative:
XXXX  Sent an international transfer from XXXX to XXXX on XX/XX/year>. Been delayed and after a week got an email saying it was delivered. Upon informing my recipient ( my mother ) XXXX XXXX XXXX she told me it was not on her bank account and there was no transaction nor deposit that happend on XX/XX/year>. Contacted XXXX and up until today there was no update to where my money went. 

Amount : {$500.00} Sender : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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