vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management, contacted me several times saying I owed a debt ask them to send me send me a contract with my signature on it they never did, they have emailed me constantly I do not know who this is they also put it on my credit report, I'm currently write them to ask them to remove it, I have seen no proof that they can prove that I owe this debt to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My PayPal account was recently limited and my balance was restricted. I have been told I can not open or maintain a PayPal account, but PayPal has refused to disclose why, saying only that they can not provide more details. 

I have asked, in writing, whether any consumer reporting agency, fraud prevention database, or third party ( such as XXXX XXXX XXXX XXXX XXXX XXXX ) was used in their decision, but they have not confirmed. 

Under the Fair Credit Reporting Act ( FCRA ), if their decision was based in whole or in part on any consumer report or third-party data, PayPal is legally required to : 1. Identify the name, address, and phone number of any such agency or database used ; 2. Provide me with a copy of the specific information relied upon ; 3. Provide a clear explanation of the reason ( s ) for my account limitation.

PayPals refusal to disclose this information prevents me from understanding and correcting any possible errors in my consumer reports, directly affecting my ability to access financial services. 

I request that the CFPB compel PayPal to : Confirm whether any third-party data was used ; Provide me with a copy of any such information ; Clarify the specific reason ( s ) for my account limitation. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Title : Equifax Reporting Inaccurate 90-Day Late Payment on Open Installment Account What happened : I am filing this complaint because Equifax is inaccurately reporting a 90-day late payment for XX/XX/XXXXXXXX  on an open installment account that has been in good standing. As shown in the attached screenshot, this account has been open since XX/XX/XXXX, and has a consistent history of on-time payments for several years. 

The account is clearly still open, and the payment history shows regular on-time payments both before and after the reported delinquency. Reporting a 90-day late payment under these circumstances is clearly incorrect and damaging to my credit profile. I dispute this reporting and request that Equifax correct the information and delete the inaccurate delinquency from my report. 

This issue is especially concerning given recent actions taken against Equifax. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$13.00} XXXX for mishandling credit reporting disputes and failing to maintain reasonable procedures to ensure accuracy in consumer credit files. My situation reflects exactly the kind of failure that led to that enforcement action. 

I am requesting the CFPBs assistance in compelling Equifax to : Immediately remove the inaccurate 90-day delinquency from XX/XX/XXXX. 

Provide confirmation that my account is in good standing and accurately reflected in their records. 

Implement stronger oversight to prevent such errors from recurring. 

Company : Equifax Product : Credit reporting Issue : Incorrect information on your report Screenshot Evidence : Please see the attached screenshot titled XXXXXXXX XXXX XXXX XXXX XXXX which shows the account as open and the erroneous " 90 '' late mark for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: LA

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, that is considered identity theft.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have found that this account named Caine & Weiner is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. 

XXXX XXXX XXXX CO XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX  XXXX AV - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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. I kindly request that you block this information from my credit report within XXXX business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnion, which continues to report multiple outdated positive accounts on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ).

According to FCRA 605 ( a ), positive closed accounts may only remain on a consumer credit report for up to 10 years from the date of closure. However, the following accounts have now exceeded that allowable reporting period or are approaching the threshold and are still being reported by TransUnion : XXXX XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] XXXX. XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] XXXX. XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] XXXX. XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] XXXX. XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] XXXX. XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] Most of these accounts are now XXXX years old or older, and a few are at least XXXX years old, meaning they are nearing expiration and should be reviewed for removal as part of standard credit reporting policy. 

Despite previous efforts to request removal directly through TransUnions dispute process, no action has been taken.

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 2025-07-25 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
I recently looked at a copy of my report and noticed I had some fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit and get housing.

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 2025-07-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Innovis, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX XXXX : Account Number : Charge off Description of the Inaccuracy : Reporting as a charge off they is inaccurate. 

Account Information to Be Disputed : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Description of the Inaccuracy : Late payments. I was never late. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Description of the Inaccuracy : Reporting charged off. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information.

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made.

Enclosed are copies of copies of the accounts in question, which serve as evidence to support my claim.

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Copy of accounts in question

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
My vehicle was repossessed in XX/XX/year> and auctioned in XX/XX/year> by XXXX XXXX XXXX. After the sale, I received a refund check confirming the loan was overpaid. Despite this, the account is still being reported as a repossession with a balance. This inaccurate reporting caused me to be denied a {$400000.00} home loan as a first-time buyer. I am requesting immediate correction and compensation. A full complaint letter is attached.

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 2025-07-25 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: VI

Complaint narrative:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$280.00} To Whom It May Concern, This letter serves as a formal dispute and demand for complete legal validation of the above-referenced account that your company is currently reporting and/or attempting to collect. I, XXXX XXXX XXXX, do not acknowledge this alleged debt, and until full validation is provided, you are required to immediately cease all collection activity and credit reporting. 

As provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am demanding the following documentation : The Original Signed Contract or Agreement with my wet signaturenot a generic form, digital document, or billing summary. 
A Binding Agreement showing that I agreed to the balance and terms, including any assignment or sale of the account. 
A Full Account Ledger or Flow Sheet showing all activity, including charges, interest, fees, and payments from the origin to present. 
Proof of Legal Assignment or Chain of Custody, including transfer or purchase agreements showing your agencys legal authority to collect. 
Proof that the alleged debt is not past the Statute of Limitations for collection in the state of Illinois, including last date of activity and your calculation. 
Proof that Harris & Harris , Ltd. is properly licensed to collect in Illinois, with current license number and issuing body. 
The name, department, and contact details of the individual who verified this account with any credit bureau. 
A sworn statement confirming that XXXX or any automated dispute system was not used, as these are not compliant reinvestigation methods under the FCRA. 
If you are unable to provide each item listed above, you are in violation of federal and state consumer protection laws and must : Immediately delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) Cease all collection attempts and communications immediately If I do not receive proper and complete validation within 15 calendar days of your receipt of this notice, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Initiate civil litigation to pursue statutory damages under the FDCPA, FCRA, and UCC Under UCC 1-308, I reserve all rights without prejudice. This is your final legal notice to comply. 

Sincerely, XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief