vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Equifax Information Services, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Bankruptcy Reporting FCRA 611 ( 15 U.S. Code 1681i ) Violation and Rule 9037 Privacy Breach IMMEDIATE REMOVAL DEMANDED Dear Equifax, This letter is a formal notice of dispute concerning the bankruptcy entry currently appearing on my credit report. This bankruptcy has not been verified in compliance with 15 U.S. Code 1681i, and its continued reporting violates my federal privacy rights under Rule 9037 of the Federal Rules of Bankruptcy Procedure and 5 U.S. Code 552a.

Pursuant to FCRA 611 ( 15 U.S. Code 1681i ), you are legally required to : Conduct a reasonable reinvestigation of any item disputed by a consumer ; Provide a description of the procedure used to determine the accuracy of the information ; Supply the name, address, and telephone number of the furnisher that verified the item.

To date, you have failed to : Provide any documentation showing that the bankruptcy was verified through the original source ( i.e., the court ) ; Identify the actual furnisher of this public record ; Explain the method of verification, as mandated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 




Moreover, bankruptcy courts do not furnish records to credit reporting agencies. If you obtained this information through a third-party vendor ( e.g., XXXX or PACER ), and failed to verify its accuracy or redacted status as required by Rule 9037, then your actions constitute a serious violation of my rights under federal law.

This is a final demand : delete the bankruptcy entry within 15 days of receipt of this letter or provide complete documentation, including : The court record you claim to have used ; The name and contact info of the source that furnished it ; A description of the exact procedure used in your verification.

Failure to comply will result in immediate legal action for : Violation of 15 U.S. Code 1681i ( FCRA ) ; Violation of 5 U.S. Code 552a ( The Privacy Act ) ; Violation of Rule 9037 regarding the unlawful exposure or use of protected personal information ; Willful or negligent harm to my reputation and creditworthiness.

I am also prepared to file complaints with the FTC and State Attorney General.

I expect a timely response and written confirmation of deletion. This is not a request it is a legal demand. 



Sincerely, XXXX XXXX XXXX ( Last XXXX digits ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lafayette, Ayers & Whitlock, PLC
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX are actively attempting to garnish my wages for a debt that was fully paid in person at XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have written confirmation from XXXX staff and a bank statement verifying that I paid the full charge-off amount of {$170.00} at the XXXX XXXX branch on XX/XX/XXXX. 

Despite this documented resolution, they are now trying to collect {$510.00} an inflated amount that includes interest and legal fees improperly applied after the debt was satisfied. I have disputed this repeatedly, yet they have continued to pursue me for nearly a decade. The collection attempt is not only factually and legally unjustified, but has also caused long-term emotional and financial distress.

I am currently facing a wage garnishment hearing on XX/XX/XXXX in XXXX XXXX XXXX XXXX. I am requesting the CFPB 's urgent intervention to stop this unlawful garnishment attempt and ensure this matter is closed and corrected once and for all. 

Despite the judgment being entered on XX/XX/XXXX, I paid the debt in full directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX, before any collection activity had been initiated by XXXX XXXX XXXXXXXX. On that same day, internal emails show the bank was just then forwarding my file to the attorneys, even though the debt had been paid and should have been closed. 

XXXX XXXX XXXX XXXX had a responsibility to notify their legal counsel immediately that the balance had been resolved, and no further action was necessary. Instead, they allowed the attorneys to proceed as if I had not paid resulting in improper legal fees, interest accumulation, and now a wage garnishment for a debt that no longer existed.

This amounts to negligent misrepresentation, abuse of process, and an unlawful attempt to collect a resolved debt. I have provided evidence that the account should have been cleared before it ever reached the law firm. I am now requesting dismissal, removal of all collection efforts, and CFPB assistance due to the urgent court date on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Date : XX/XX/year> Disputed Account Number : Midland Credit Account # XXXX * * * Credit Bureaus Notified : XXXX XXXX XXXX Previous Contact Methods : Certified letters to the credit bureaus and direct communication with MIDLAND CREDIT MANAGEMEN Description of the Issue : I am submitting this formal complaint regarding a credit account reported under the name MIDLAND CREDIT MANAGEMEN with account number # XXXX * * * which does not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three credit bureaus ( XXXX XXXX, and XXXX ) stating that this account is not mine.2. I contactedMIDLAND CREDIT MANAGEMEN requesting verification and immediate removal of this inaccurate account.To date, I have not received any response from the company, and the inaccurate information has not been corrected in my credit reports. This is negatively affecting my credit score and causing undue financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My car was stolen XX/XX/XXXX. My car was found XX/XX/XXXX vandalized. I never missed a payment until XXXX XXXX XXXX company send a check for XXXX $ on XX/XX/XXXX. I only owe XXXX XXXX My early pay off was XXXX XXXX Instead of my early off. XXXX XXXX department put it towards my principal and gave the title to my insurance company and left me owning the balance of XXXX XXXX I didn't understand why the loan wasn't paid off and giving up the title.

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 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX {$210.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I am disputing several negative items on my credit report that remain unverified despite prior attempts to resolve them. I followed the proper dispute process under the Fair Credit Reporting Act ( FCRA ) and provided written notice to the credit reporting agencies. However, I believe the investigations conducted were unreasonable and inadequate, in violation of 15 U.S. Code 1681i. 

The items in question include multiple derogatory accounts such as charge-offs, collections, and late payments that were reported as recently as late XXXX and XXXX. Examples include : A collection from XXXX XXXX XXXX reported on XX/XX/XXXX for {$250.00} A collection from XXXX XXXX OF A reported on XX/XX/XXXX for {$360.00} A charge-off from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$5500.00} A repossession from XXXXXXXX XXXX opened on XX/XX/XXXX for {$5100.00} Multiple closed accounts with late payment history still reporting negative status, including REGIONS BANK and CAPITAL XXXX Despite submitting formal disputes, the credit bureaus failed to provide documentation verifying the accuracy and completeness of these accounts. In many cases, the past due balances were {$0.00}, and the status appears outdated or inconsistent with actual payment history. 

I am requesting that these unverifiable or inaccurately reported accounts be removed from my credit file in accordance with FCRA guidelines, specifically 15 U.S. Code 1681i, which requires deletion of disputed information if it can not be verified. 

This inaccurate reporting has significantly harmed my credit standing and financial opportunities. I respectfully request CFPB 's assistance in holding the credit bureaus accountable and ensuring fair treatment under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
This company keeps indicating that i still have an outstanding balance. I have sent to receipt to both XXXX and Equifax and it still remains on my credit report.Aslo, this bank has deceptive banking practices. I was given a credit of {$1000.00} to my account due to a company doing scams. I used the money as usual, then XXXX took the money back less than XXXX  days and through me in a negative status with no alert. After I begin to pay the money and had paid them {$500.00} ; then they closed my account ( deceptive ; and unfair practices which violates XXXX XXXX and XXXX. and it remained in that state until I paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
It is XXXX hard inquiries that is on my trans Union credit report and that I only know about XXXX, so there are XXXX that needs to be removed. 

The following inquiries are not what I had inquired and should be removed from my credit report per the ( far ) : XXXX XXXX reported on XX/XX/year> XXXXXXXX XXXX- reported on XX/XX/year> Onemain- reported on XX/XX/year> XXXX XXXX XXXX- reported on XX/XX/year> XXXX XXXX-reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>XXXX XXXX- reported on XX/XX/year>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
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-06 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

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 2025-07-06 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
Upon thorough review, I have identified multiple inaccuracies and legal violations in how this account is being reported. I respectfully request that you conduct a full reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ) and take appropriate action.

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 2025-07-06 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: NV

Complaint narrative:
Several accounts have went to third parties that I don't know and did not sign any contract with. My information has been found on several dark webs and I continue to still get these letters about my information being on a dark web so I'm not sure who has my information also I've been offered identity theft protection from Equifax and trans that they want to charge me for but tell me in a letter is free

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CapitalOne reported the problem was resolved to my previous complaint # XXXX. It was not resolved. They have giving me the runaround on this issue for XXXX months now with no progress. I still can not login to my account./

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CO

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of an inaccurate collection account, failure to properly investigate disputes under the Fair Credit Reporting Act ( FCRA ), and refusal to provide adequate verification of the alleged debt. Despite XXXX dispute attempts, Experian has not supplied any documentation validating the account, and I believe their actions constitute willful non-compliance with federal law. 
Details : I disputed a collection account listed by Experian ( Creditor : XXXX. XXXX XXXX ) because it is inaccurate and unverifiable. Experian has failed to respond with the following, as required under the FCRA : The name and contact information of the party that verified the account The method and date of verification A copy of the original signed contract allegedly bearing my signature Any supporting documentation substantiating the debt 's validity This is a clear violation of : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 5 ) Failure to delete unverifiable information Experian appears to have conducted a sham investigation, relying solely on automated systems like XXXX without meaningful review or verification. This practice has been the subject of prior legal actions and FTC investigations, and it violates consumer rights under the FCRA.

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 2025-07-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been dispute a lot of inquiries on my report that I did not give consent to in my identity has been stolen before which state that on my credit profile in every time I dispute it saying I did not do this they will not remove

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 2025-07-06 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I NOTICED UNAUTHORIZED INQUIRES ON MY CREDIT REPORT XXXX XXXX XX/XX/year> 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 explanation
Consumer complaint received 2025-07-07 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 the victim of identity theft. My credit report shows a fraudulent auto loan account from XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX XXXXXXXX ) which I did not authorize or open. 

I submitted a formal dispute to the credit bureaus and have also filed a police report with the XXXX XXXX Sheriff 's Office ( Deputy XXXX XXXX, Badge # XXXX ). I am attaching that report along with my identity documents and credit report for reference. 

This account was not opened by me, and I have never done business with XXXX XXXX. The balance and loan terms are falsely attributed to my name and XXXX without my consent.

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

Complaint narrative:
I am the victim of identity theft. My credit report shows a fraudulent auto loan account from XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX XXXXXXXX ) which I did not authorize or open. 

I submitted a formal dispute to the credit bureaus and have also filed a police report with the XXXX XXXX Sheriff 's Office ( Deputy XXXX XXXX, Badge # XXXX ). I am attaching that report along with my identity documents and credit report for reference. 

This account was not opened by me, and I have never done business with XXXX XXXX. The balance and loan terms are falsely attributed to my name and SSN without my 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 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
XXXX promoted a scam offer, I discovered it was a scam and reported it to XXXX XXXX who found the scam was fraudulent. I also filed report of the fraudulent transaction to AFFIRM whohas despite the fraudulent nature of their claim have reported me as delinquent in paying the fraudulent claim. 
I provide attachment proving the shop site is gone from the internet, and the product page is gone from the internet, because it was a totally fraudulent scam site!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Credit Karma, LLC
State: FL

Complaint narrative:
I disputed a XXXX  account XXXX XXXX XXXX XXXX through Credit Karma on XXXX XXXX. It is now XXXX XXXX, and the dispute still is marked " in review " dispute number XXXX Under the Fair Credit Reporting Act FCRA, the credit bureau must complete an investigation in 30 days or 45 with additional information. they missed the deadline by over 4 months. 

I am requesting that the disputed item be removed immediately for failure to comply with the FCRA timeline

Company response to consumer: Closed with explanation