vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint due to ongoing inaccuracies and potential unverifiable information being reported on my credit file. Despite multiple formal disputes, including my most recent on XX/XX/XXXX, the consumer reporting agency has failed to comply with federal requirements under the Fair Credit Reporting Act ( FCRA ). 

I have not received a proper response, nor the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) for the disputed items. 

Accounts and Inquiries in Dispute Disputed Accounts : XXXX XXXX Account # : XXXX | Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX | Date Opened : XX/XX/XXXX Disputed Hard Inquiries : XXXX - XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Failure to Comply with FCRA To date, the credit reporting agency has failed to provide the following, as required by federal law : The specific method of verification used for each item ; The name and contact information of the data furnishers ; Documentation or data relied upon during the reinvestigation. 

This failure constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) : Duty to disclose the method of verification upon request.

Requested Resolution I am requesting that the consumer reporting agency : Conduct a full reinvestigation of all items listed above ; Provide written documentation detailing the method of verification ; Remove any information that is unverifiable or inaccurate ; Issue a revised copy of my credit report showing these corrections. 

Deadline and Notice of Intent If this matter is not fully resolved by XX/XX/XXXX, I will proceed with the following : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; File complaints with the Federal Trade Commission ( FTC ) and the Alabama Attorney Generals Office ; Consider pursuing legal action to enforce my rights under the Fair Credit Reporting Act. 

This communication serves as a final attempt to resolve this dispute prior to escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint against Discover Bank for multiple violations of federal contract and consumer protection laws. Discover Bank has failed to rebut the lawful administrative process and continues to pursue an alleged debt in violation of commercial and statutory obligations. 

Key Violations : 1. Breach of Contract & Absence of Mutual Assent Discover Bank has failed to provide a wet-ink, signed bilateral agreement showing mutual obligation between the parties. The alleged account is based solely on an electronic application, which lacks : Lawful consideration ( UCC 3-303 ) Mutual assent ( Restatement ( Second ) of Contracts 17 ) Full disclosure of contractual terms ( Truth in Lending Act, 15 U.S.C. 1601 et seq. ) 2. Failure to Disclose Material Facts Regarding Monetization of Instrument The application and use of my signature and SSN have been unlawfully monetized and securitized without my knowledge, authorization, or full disclosure of terms. This violates : Securities fraud standards under the Securities Exchange Act of 1934 TILA and FTC Act obligations to disclose the true nature of the financial arrangement Privacy rights regarding the use and transfer of my SSN under 42 U.S.C. 408 ( a ) ( 8 ) 3. Violation of UCC 3-501 and 1-308 Discover has failed to respond to or rebut multiple lawful notices of refusal for cause without dishonor and Affidavits of Non-Response, which constitute commercial default. Their continued demand for payment without validation or verification constitutes willful dishonor.

4. Misrepresentation and Deceptive Practices ( 15 U.S.C. 45 ) Their threat to close the account and report negative data without addressing lawful disputes is a coercive tactic constituting unfair and deceptive trade practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In the month of XXXX I made XXXX payments to my USAA Federal Savings Bank credit card.one for {$3500.00} on XX/XX/XXXX, XXXX for {$3600.00} on XX/XX/XXXX and XXXX for {$4000.00} on XX/XX/XXXX. My bank statement shows the payments were made and I have screen shots of the payments on the USAA XXXX app where I make the payments. My Monthly statement for XXXX does not reflect the XX/XX/XXXX payment. 

I called USAA and they were not helpful and said I would have to prove it to them the payment was made. I explained it was their technology being used ( mobile app ) to make payment and asked them to look at that and they were unresponsive, basically, blowing me off.

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 2025-06-04 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:
Under the FDCPA and FCRA, verification is not just a name XXXX is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am escalating this complaint regarding my account due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within five ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal continuation of a previously submitted complaint regarding Equifaxs failure to delete an account reported by XXXX XXXX XXXX ( originally from XXXX XXXXXXXX XXXX  ). Despite providing documentation and clear legal grounds, the case was closed without proper resolution. I am now submitting this follow-up with additional legal support and new violations. Equifax has recently updated the account in XX/XX/XXXX, falsely re-aging the debt to make it appear new a deceptive and unlawful act. 

The debt in question is time-barred under New York State law , which limits collection of consumer credit debt to three years under CPLR 214 ( 2 ). The last activity on this account is well beyond that limit, making it unenforceable and uncollectible under the law. 

XXXX XXXX XXXX has already issued a letter confirming they can not sue, acknowledging the debt is legally time-barred. Yet Equifax continues to report the account and recently re-aged it in XX/XX/XXXX falsely suggesting it is current. This is a serious violation of : FCRA 15 U.S.C. 1681c ( a ) ( 4 ) prohibits reporting accounts beyond the legal limit.

FCRA 1681e ( b ) requires that all data furnished be accurate and not misleading.

FCRA 1681i ( a ) mandates a proper dispute procedure, which Equifax has blocked by denying access to their dispute portal. 

This conduct parallels court findings in : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) where the court ruled willful noncompliance for denying proper dispute handling. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) where re-aged or time-barred debt reporting without disclosure was ruled deceptive under the FCRA and FDCPA 15 U.S.C. 1692e ( 2 ) ( A ).

I am demanding : Immediate deletion of this XXXX XXXX XXXX account from my Equifax credit file. 
Restoration of my full access to Equifaxs dispute portal. 
{$5000.00} in damages for reputational injury, stress, and the willful violation of my consumer rights. 

Failure to comply will result in escalation to binding arbitration, and I will also be filing formal complaints with the NY Attorney General, FTC, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: AL

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am sending this complaint to JEFFCAPSYS regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AL

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
XXXX of XXXX  I notice I have a medical collection from Lockhart Morris for XXXX XXXX have bank statements showing that it was paid off. XXXX XXXX add payment of XXXX  was paid to them, that leaves the XXXX  balance down to $XXXX. I have another statement showing I sent $XXXX  that dropped that XXXX  balance owe to $XXXX  XXXX XXXXThen I have another statement showing I paid $XXXX  XXXX now the balance is XXXX  left. And then I paid that last $XXXX  on XXXX  The $XXXX collection is still showing on my credit report.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-04 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:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
I am disputing inaccurate information on my credit report that was reported by [ XXXX XXXX ] and appears on my [ Equifax XXXX Experian XXXX TransUnion ] credit report. 

The item in question is : Creditor : XXXX Account # XXXX, Creditor : XXXX Account # XXXX, Creditor : XXXX XXXX Accounts # XXXX Reported Issue : This account is inaccurate for other reasons the accounts have late payments which Ive reached out to the company and has a XXXX  which Inpaid in the purchase of my new home in XXXX. 

I filed a formal dispute with the credit bureau on XX/XX/XXXX, and provided supporting documentation. Despite this, the item remains on my credit report without correction. 

I am requesting the CFPB assist in having these errors corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

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