vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the accuracy and integrity of the XXXX XXXX XXXX account listed on my credit report. After reviewing my credit files, I have found multiple inconsistencies and errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and misrepresent my credit history. 

The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number ( last four digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Reported by XXXX XXXX XXXX Equifax I am disputing this account based on the following : XXXX. Conflicting Account Type and Terms FCRA Violation : 1681e ( b XXXX XXXX  reports this account as an Installment account, while XXXX and Equifax show it as an Open account. XXXX also lists it with a 1-month term, which is inaccurate for a debt buyer or collection account.

Why this is a problem : These inconsistencies can affect how my creditworthiness is scored and evaluated. Under the FCRA, credit reporting agencies must ensure the maximum possible accuracy of the information they report. 

XXXX. Inconsistent Date Last Active FCRA Violation : 1681e ( b ) XXXX reports the Date Last Active as XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Why this is a problem : These conflicting dates suggest activity that didnt occur and create confusion for lenders. This violates the requirement for consistent and accurate reporting. 

XXXX. Possible Re-Aging of the Account FCRA Violation : 1681c ( a ) ( XXXX ) The Date Last Active being listed in XXXX despite no evidence of activity since XXXX appears to be an attempt to re-age the debt, which is illegal. The FCRA prohibits reporting negative accounts for more than XXXX years from the original delinquency. 

XXXX. Missing and Incomplete Payment Information FCRA Violation : 1681i ( a ) None of the bureaus report a Date of Last Payment. XXXX  does not include payment status or comments. These gaps in information make the tradeline incomplete and unverifiable. 

My Request In accordance with the Fair Credit Reporting Act, I respectfully request the following : A full reinvestigation into the accuracy and completeness of this account.

Verification of the correct account type, original delinquency date, and last activity with proper supporting documentation. 

Correction or deletion of the account from my credit report if it can not be verified in full. 

A written response outlining the results of your reinvestigation, as well as an updated copy of my credit report. 


Thank you for your attention to this matter. I look forward to your response within the timeframe allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: UT

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX Portfolio recovery Associates , LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Alleged Debt Dear Portfolio recovery Associates , LLC, I am writing to dispute the validity of the debt referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please treat this letter as a formal notice that I dispute the alleged debt in its entirety. I am requesting that you provide proper documentation verifying that I owe this debt, including : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, with a breakdown of how the amount was calculated ; 3. A copy of any agreement bearing my signature that shows I agreed to assume this debt ; 4. Proof that you are authorized to collect this debt in my state. 

Until you provide such documentation, please cease all collection efforts and do not contact me by phone. Also, if you are reporting this debt to any credit bureaus, you are required to mark it as disputed. 

If you can not provide verification, or if you do not respond within 30 days of receiving this letter, I request that you stop all collection activity and remove any negative reporting associated with this debt from my credit reports. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

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 explanation
Consumer complaint received 2025-07-18 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX my accounts at XXXX XXXX XXXX XXXX was frozen and I was not able to withdraw funds. American Express sued me for XXXX dollars on an account that was written off in XXXX. The funds they took out my account is protected as retirement funds can only be garnished for child support and spousal support. The court documents were filed in XX/XX/XXXX but they did not try and collect until XXXX. 
The statue of limitations in the state of Texas is 4 years so does that mean its still legal. None the less they took funds that are protected by state and federal law. 
This is an illegal act and American Express should be forced to return such funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MA

Complaint narrative:
I am filing a dispute regarding inaccurate derogatory payment information being reported by Experian for two closed accounts from XXXX XXXX ( ending in XXXX and XXXX ). 

For account ending in XXXX, Experian is reporting a XXXX late payment, even though both XXXX  and XXXX  report this same account as either Current or Too New to Rate. All three bureaus show this account was paid and closed with a {$0.00} balance as of XX/XX/XXXX. 

For account ending in XXXX, Experian is reporting a XXXX late payment, while both XXXX  and XXXX  correctly report this account as current and paid, with no derogatory payment history. This account was closed and paid as of XX/XX/XXXX with a {$0.00} balance. 

Experian 's reporting is inconsistent with the other major credit bureaus and appears to be inaccurate or unverifiable. I submitted a factual dispute under my rights through the Fair Credit Reporting Act ( FCRA ) and requested correction or deletion of the inaccurate late payment statuses. 

These incorrect derogatory items are negatively affecting my creditworthiness and should be corrected or removed if Experian can not verify them with the original creditor.

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 2025-07-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
To : [ Equifax / Experian / TransUnion ] Subject : Cease and Desist from Failing to Investigate and From Falsifying Credit Information Dear [ Equifax / Experian / TransUnion ], I am writing to formally demand that your agency cease and desist from continuing the following actions : 1. Failing to properly investigate the accuracy of disputed information contained in my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 611.

2. Falsifying or misrepresenting documentation, or relying on unverifiable or incorrect information during the dispute process.

Despite my prior communications requesting a reinvestigation of certain inaccurate or fraudulent entries in my credit report, your agency has either failed to comply with its legal obligations or responded with unverifiable and misleading documentation. This constitutes a willful violation of federal consumer protection laws and may be grounds for civil liability under FCRA 616 and 617. 
The following accounts remain disputed : - * * XXXX XXXX * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX 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 non-monetary relief