vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accou nts in question : XXXX/DOFED XXXX Balance : {$42000.00} XXXX/DOFED XXXX Balance : {$7300.00} XXXX/DOFED XXXX Balance : {$5500.00} XXXX/DOFED XXXX Balance : {$4200.00} XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$190.00} XXXX/DOFED XXXX Balance : {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Please cut the vague open ended generic responses. Apple refuses to pull up the XX/XX/XXXX recorded phone call that shows ironclad evidence that their supervisor admitted the late payment was 29 days late. The minimum due which was {$25.00} dollars wasnt satisfied from the billing period XX/XX/XXXX, XXXX XX/XX/XXXX which is XXXX calendar days. Ive asked for proof of the 30 day late payment and you sent a debt validation packet. Your review team states that the XX/XX/XXXX late payment reporting is accurate without any supporting evidence to back up your claims. When I requested the emails stating I was indeed 30 days late, youve created over 10 disputes with no results dismissing my claim. This shows malicious intent to damage my financial reputation obstructing my consumer rights. So Im going to spare time here since Apple likes to stall. this is a formal request for detailed verification and substantiation of the 30-day late payment currently being reported for the billing period ending XX/XX/XXXX. 

Pursuant to 15 U.S.C. 1681i and 1637 ( a ), I am requesting the following information : 1. Evidence that the payment was late, including : The original due date of the payment. 
The date the payment was received. 
The cutoff date used to calculate the delinquency. 
The method used to determine the 30-day threshold, specifically whether the XXXX day was incorrectly rounded or misrepresented. 
2. A copy of the billing statement or invoice sent for that month that shows : The amount due.

The due date.

Any late fee assessment terms.

The creditors grace period ( if any ).

3. The exact amount that was allegedly past due, and : How this amount was calculated.

Whether any partial payment or transaction was applied. 
A full payment ledger showing all activity from XXXX through XX/XX/XXXX. 
XXXX. Confirmation that I was notified of the delinquency prior to it being furnished to any credit bureau, as required under TILA and XXXX XXXX guidelines. 

Failure to provide this documentation constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 15 U.S.C. 1666b ( a ), and I reserve the right to escalate this matter to regulatory authorities and demand immediate deletion of the inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
To Whom It May Concern, I have formally disputed the inaccurate late payment reporting associated with my XXXXXXXX XXXX XXXX XXXXXXXX XXXX account across all three major credit bureaus : Experian, Equifax, and TransUnion. In each dispute, I provided documented evidence showing that no proper notice of delinquency was ever given prior to XXXX reporting negative payment history on my credit file. I even sent certified mail to dispute and have validated each creditor has received the letter, this letter contains the same evidence that is attached to this complaint. 

Despite these disputes, XXXX has failed to supply any documentation verifying their reporting. The credit bureaus have continued to report this item without correction or justification, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires furnishers and credit bureaus to conduct a reasonable reinvestigation of disputed information. 

Specifically : My account was closed in XXXX, at which time I authorized a payment intended to resolve the residual interest balance. 
That payment was processed on my end but returned without notice or explanation by XXXX. 
I received no email, phone call, or mailed communication indicating the payment had failed or that further action was required. 
Despite this, interest charges and late fees were assessed monthly from XXXX through XXXX, with no notice ever sent to me regarding any of these charges. 
XXXX proceeded to report this alleged delinquency to the credit bureaus for multiple consecutive months, without giving me any opportunity to resolve or even be made aware of the issue. 
This represents a clear violation of FCRA 623, which governs the duties of information furnishers, and potentially state-level consumer protection laws, due to : Failure to notify me of payment return or missed payments Continued charging of interest and late fees post-closure without communication Willful reporting of negative information without a good-faith effort to verify accuracy or notify the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
To Whom It May Concern, I have formally disputed the inaccurate late payment reporting associated with my XXXXXXXX XXXX XXXX XXXXXXXX XXXX account across all three major credit bureaus : Experian, Equifax, and TransUnion. In each dispute, I provided documented evidence showing that no proper notice of delinquency was ever given prior to XXXX reporting negative payment history on my credit file. I even sent certified mail to dispute and have validated each creditor has received the letter, this letter contains the same evidence that is attached to this complaint. 

Despite these disputes, XXXX has failed to supply any documentation verifying their reporting. The credit bureaus have continued to report this item without correction or justification, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires furnishers and credit bureaus to conduct a reasonable reinvestigation of disputed information. 

Specifically : My account was closed in XXXX, at which time I authorized a payment intended to resolve the residual interest balance. 
That payment was processed on my end but returned without notice or explanation by XXXX. 
I received no email, phone call, or mailed communication indicating the payment had failed or that further action was required. 
Despite this, interest charges and late fees were assessed monthly from XXXX through XXXX, with no notice ever sent to me regarding any of these charges. 
XXXX proceeded to report this alleged delinquency to the credit bureaus for multiple consecutive months, without giving me any opportunity to resolve or even be made aware of the issue. 
This represents a clear violation of FCRA 623, which governs the duties of information furnishers, and potentially state-level consumer protection laws, due to : Failure to notify me of payment return or missed payments Continued charging of interest and late fees post-closure without communication Willful reporting of negative information without a good-faith effort to verify accuracy or notify the 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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I believe the accounts are invalid. PORTFOLIO RECOV ASSOCIATION ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounte were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. PORTFOLIO RECOV ASSOC XXXX XXXX PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Late Payment Reporting Violation of FCBA and FCRA Email : XXXX I, XXXX XXXX XXXX, am submitting this complaint due to the continued inaccurate reporting of late payments on my credit report despite a billing error dispute submitted over 35 days ago. This issue has not been resolved, and the accounts remain inaccurately reported. This complaint is being submitted by me directly as a natural person and not by any third party. 

I am exercising my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to ensure the fairness and accuracy of my consumer credit file. The creditor has not provided any documentation validating the alleged late payments, nor have I received any information regarding the method of verification required by law. 

Accounts in Dispute : XXXX XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Status : Open Reporting Late Payment XXXX XXXX Account Number : XXXXXX/XX/XXXXStatus : Open Reporting Late Payment Legal Basis for Dispute : According to 15 U.S. Code 1666 ( b ) of the FCBA, the following constitute billing errors that I believe apply to my situation : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Lack of timely ( 21-day advance ) notice before assessing late fees or reporting delinquency In addition, the FCRA ( specifically 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of information reported. Failure to correct or remove unverified data violates this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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. 

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Method of Verification and Ongoing Reporting of Inaccurate Information Email : XXXX I, XXXX XXXX XXXX, am filing this formal complaint against a consumer reporting agency due to its failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ). Despite prior disputes submitted by me, inaccurate and unverifiable information continues to appear on my credit report. The agency has also failed to provide the method of verification required under 15 U.S.C. 1681i ( 7 ).

I am exercising my right to a full description of the reinvestigation procedures, including the names and contact information of any furnishers contacted, and any documentation used during the investigation.

Disputed and Inaccurate Items : Incorrect Personal Information : Former Name : XXXX XXXX Also Known As : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Employers : XXXX XXXX XXXX  Employers : XXXXXXXX XXXX Unauthorized or Unverifiable Inquiries : 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  These inquiries were not authorized by me and should be removed immediately in accordance with FCRA.

Information Requested Under FCRA : I am requesting the following documentation and procedural details under 15 U.S.C. 1681i ( 7 ) and 15 U.S.C. 1681e ( b ) : The name, address, and telephone number of each furnisher contacted.

The name and role of the individual ( s ) who verified the items.

All documentation relied upon to validate the disputed information.

A detailed explanation of the procedures used to ensure the accuracy of each item.

Violations Cited : 15 U.S.C. 1681i ( 7 ) : Failure to provide method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681n / 1681o : Civil liability for willful or negligent noncompliance

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 2025-06-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Debt Validation Request Pursuant to XXXX XXXX Code 1692g Notice of Dispute and Request for Verification To Whom It May Concern, This letter is a formal dispute of the alleged debt referenced in your recent communication. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of this debt, including : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original agreement or contract bearing my signature ; 4. Verification that you are legally authorized to collect on this alleged debt ; 5. A full itemized accounting of the debt, including interest and fees ; 6. The name and address of the original creditor, if different from the current one.

I hereby request that all collection efforts cease until this requested validation has been provided. Be advised that any attempt to collect on a disputed debt without proper validation is a violation of the FDCPA.

Please also note that I am requesting no further phone communication. You may communicate with me only in writing. 

If you fail to respond with proper validation within 30 days of receiving this letter, you must remove this alleged debt from my credit reports and cease all collection activities. 

Sincerely, XXXX XXXX English Enclosures ( if applicable ) : - Copy of my photo ID - Proof of address ( e.g., utility bill, lease agreement ) - Copies of relevant correspondence or documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV FUNDING LLC, could not provide the original documentation of the debt. They have continued to report on my credit year after year without proper reasoning. This has gone on long enough and I would like the company to remove any and all negative remarks off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief