vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : 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 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 XXXXXX/XX/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 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for continuing to report a medical collection allegedly tied to XXXX XXXX XXXX XXXXXXXX despite multiple prior disputes and CFPB complaints concerning the same provider. 

In XX/XX/year>, I filed CFPB complaints regarding XXXX XXXX XXXX inaccurate and unverifiable reporting of medical debts related to XXXX XXXX XXXX XXXXXXXX. Although those complaints were closed without proper resolution, this same furnisher is now reporting another account with the same original creditor but a different account number. It is unclear whether this represents a duplicate tradeline or an improper reinsertion of a previously disputed debt. 

I have already filed a valid FTC Identity Theft Report ( XX/XX/year> and XX/XX/year> ) that identified XXXX XXXX XXXX accounts as part of ongoing file contamination and misreporting ( listed in the personal statement section due to XXXX account limitation ). Under FCRA XXXX [ XXXX XXXX. XXXX ], the furnisher was obligated to block and delete this data once notified. Instead, XXXX continues to reintroduce or verify inaccurate information without producing validation or documentation. 

XXXX recent CFPB response regarding a related XXXX XXXX XXXX account claimed they mailed notices that were not returned. However, the company has never provided proof of mailing, copies of the alleged notices, or the address used. My credit file previously contained multiple incorrect and similar address variations that have since been corrected. If any notices were sent to those addresses, they were never properly received and do not constitute valid notice under FDCPA XXXX ( a ) or a reasonable investigation under FCRA XXXX ( b ). 

XXXX has repeatedly verified these medical accounts through the credit bureaus without providing : A copy of the original billing or service records from XXXX XXXX XXXX XXXX ; Itemized statements showing how the balance was calculated ; or Proof of its legal authority or ownership to collect the debt. 

This conduct violates : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] failure to cease collection and validate after written dispute ; FDCPA 807 ( 8 ) false representation of the legal status of a debt ; FCRA 1681s-2 ( b ) failure to conduct a reasonable reinvestigation after notice of dispute ; and FCRA 605B failure to block identity-theft-related or misattributed data after a valid FTC report. 

XXXX pattern of repeatedly reporting, verifying, and re-reporting similar medical debts tied to the same provider shows a systemic breakdown in its data handling and dispute verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Request for Update and Deletion of Inaccurate Personal Information To Whom It May Concern, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) 602, 603, and 611 to request the immediate correction and deletion of inaccurate and obsolete personal information from my credit file. 
Please update my records so that they only reflect the following accurate and current information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX Date of Birth : XXXX  I am demanding that you delete all outdated, incorrect, or unverified addresses, phone numbers, employers, and any other personal identifying information that does not exactly match the information above. This includes any prior addresses, variations of my name, and phone numbers that do not belong to me. 
Please conduct a reinvestigation in compliance with the FCRA and confirm the removal of all unverifiable or inaccurate information. If you maintain any information that is not verified as accurate and complete, you are in violation of FCRA 611 and subject to civil liability under 616 and 617. 
I expect written confirmation within 30 days of receipt of this letter that my personal information has been updated and all unverified items have been deleted. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXXCredit Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute of Inaccurate Information under the Fair Credit Reporting ActXXXXDear Sir or MadamXXXXThis letter serves as a formal dispute of inaccurate item(s) on my credit report, pursuant to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i. I respectfully request an immediate investigation and correction  or removal of the following erroneous information: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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
On XXXX I received a text message from Resurgent Debt Collector at XXXX that says the following : Resurgent Debt Collector : ready to resolve your acct ending in XXXX XXXX XXXX XXXX Visit XXXX to review your options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX  CREDIT XXXX XXXX XXXX fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA XXXX and has not conducted a reasonable reinvestigation under FCRA XXXX ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Request for Investigation and Deletion of Negative Accounts on My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of the information currently listed on my credit report. 

Upon reviewing my credit file, I have identified several negative accounts and entries that are inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I hereby formally request that your agency investigate and delete all negative accounts from my credit report, especially those that can not be verified with valid documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), any negligent failure to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents ( such as drivers license, Social Security card, and proof of address ) to assist with your investigation. 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, I demand that it be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX Last Four Digits of SSN : XXXX Phone : [ XXXX ] Email : 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Request for Investigation and Deletion of Negative Accounts on My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of the information currently listed on my credit report. 

Upon reviewing my credit file, I have identified several negative accounts and entries that are inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I hereby formally request that your agency investigate and delete all negative accounts from my credit report, especially those that can not be verified with valid documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), any negligent failure to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents ( such as drivers license, Social Security card, and proof of address ) to assist with your investigation. 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, I demand that it be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX Last Four Digits of SSN : XXXX Phone : [ XXXX ] Email : 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 explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
The account opened XX/XX/year> and I have NO KNOWLEDGE OF. I returned the device and paid my last phone bill and they still billed me for the whole amount for the phone after they closed the account

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Previous Address : - XXXX XXXX  XXXX XXXX, XXXX XXXX LA XXXX - XXXX XXXX - LOUISIANA XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX - XXXX FIN - XXXX COLLECT - XXXX XXXX & XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, my XXXX XXXX payment was wrongfully returned by Discover Bank even though my checking account had sufficient funds. 

At the time the XXXX XXXX payment posted, my account was positive. Shortly after, a {$100.00} XXXX charge posted. Within minutes ( less than an hour ), I transferred {$89.00} from my savings account to checking, immediately restoring the account to a positive balance. At no time was my account negative for more than this very brief period, and never for a full business day. 

Despite this, Discover returned my XXXX XXXX payment as if there were insufficient funds. As a result, XXXX XXXX assessed a {$28.00} returned payment fee. This charge and any potential late fees or credit reporting risk are entirely the result of XXXX  error. 

I contacted Discover to resolve this issue, but their representatives continue to ignore the facts and have told me to take the fee up with XXXX XXXX. This is unacceptable because the error was caused solely by Discover Bank, not XXXX XXXX. 

I am requesting immediate correction : Confirmation that the account was not negative at the time of the XXXX XXXX payment, Reimbursement for the {$28.00} XXXX XXXX returned payment fee, Notification to XXXX XXXX that the payment was returned in error by Discover, And assurance that no adverse credit reporting will result. 

XXXX  failure to resolve this issue and its attempt to shift responsibility to XXXX XXXX is unacceptable, and I am escalating this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief