vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 

I disputed the reporting of a XXXX XXXX account ( opened XX/XX/XXXX, first delinquency XX/XX/XXXX ) that was inaccurately listed as a charge-off with derogatory payment history. Equifax initially indicated this account would be deleted ; however, instead of deleting the account, Equifax merely updated it with new, materially false information, including a fabricated credit limit of {>= $1,000,000}. 

This false and misleading reporting is in direct violation of 1681e ( b ), which requires Equifax to maintain reasonable procedures to assure the maximum possible accuracy of information. The failure to remove the account after my dispute, and instead to add new inaccuracies, violates 1681is reinvestigation requirements. Continuing to report false information after being notified of a dispute is prohibited under 1681s-2 ( a ) ( 1 ) ( A ). 

Equifax has not verified this account with complete accuracy. Under the FCRA, if an account can not be fully verified, it must be permanently deleted off the credit report and the deletion of the negative trade line, not altered to perpetuate false date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX Date : XX/XX/XXXX To : TransUnion LLC Consumer Dispute Center XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Aged XXXX XXXX XXXX XXXX Co Dear TransUnion LLC, I am writing to formally dispute and request the removal of an outdated negative item from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). 
The account in question is : * Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Type : Auto Loan * Account Opened : XX/XX/XXXX * Balance : {$11000.00} * Account Status : Voluntary Repossession * Reported As of : XX/XX/XXXX This account is now over seven years old, which exceeds the allowable reporting period for negative items such as repossessions. Per the FCRA, negative information such as charge-offs, collections, and repossessions may only remain on a consumer credit report for 7 years from the date of first delinquency. 
Given that this account originated in XX/XX/XXXX and the delinquency appears to have occurred shortly thereafter, the reporting period has now passed. I respectfully request that this account be removed from my credit report across all reporting agencies. 
Attached is a screenshot from XXXX XXXX reflecting the account details for your reference. 
Please conduct a reinvestigation of this matter and provide a written confirmation once the item has been removed. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX SSN ( last 4 digits ) : XXXX : XX/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 explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account reported by XXXX XXXX XXXX XXXX XXXX on my credit file. 

This account contains inaccurate and/or unverifiable information, as indicated in my credit report. Specifically : 1. The account is listed as opened XX/XX/XXXX, yet also shows closed XX/XX/XXXX, which is contradictory and can not be accurate. 
2. I do not have a valid record or signed agreement proving this debt is mine or that the amount of {$14000.00} is correct.

3. The reporting lacks documentation that meets the legal standards for validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
For 3 consecutive months XXXX XXXX has falsely reported my credit and has had to fix their error. Im convinced they are doing this on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXX  XXXX and XXXX XXXX are false reporting against my credit data. Fair Debt Collection Practices Act ( FDCPA ) Requires collectors to prove the debt is yours.

I dispute this student loan debt. Per the FDCPA, I request full validation, including the signed promissory note and disbursement records. This loan is fraudulent and violating 1681s-2 ( b ) Furnisher ( Creditor ) Fails to Correct Inaccurate Info, 1681i Failure to Investigate Disputed Information, 1681e ( b ) Failure to Maintain Reasonable Procedures to Ensure Accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
From XXXX, while permanently XXXX with {$0.00} income ( per SSA records ), multiple furnishers reported late payments, charge-offs, and collections, despite my inability to maintain financial contracts. I disputed these with all three bureaus and sent goodwill requests, but the inaccurate reporting remains. Some accounts were later paid or settled in good faith yet still show derogatory marks. Several unauthorized hard inquiries appeared in XX/XX/year>. These actions violate FCRA 623 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 5 ), FDCPA 807809, and may violate the ECOA. I request deletion or correction of all inaccurate accounts and inquiries.

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 2025-08-10 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: VA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX. 

Issue : Inaccurate credit reporting / Improper re-aging of a collection account Problem Date Range : XXXX Present Summary of Complaint : I am filing this complaint against XXXX XXXX for : 1. Knowingly reporting inaccurate information the account in question is not mine and the name on XXXX XXXX own records does not match mine. 

2. Improper re-aging of a collection account XXXX XXXX has repeatedly changed the Collection As Of date from its original XXXX status to make it appear recent through XXXX. 

3. Continuing to furnish this information after prior disputes, despite being provided documentation showing the account is not mine.

This account originated from XXXX XXXX XXXX. My mother opened the account and used my email address only because she did not have an email. I was not a customer, co-signer, or responsible party on the account.

Prior Dispute History - I disputed the account with the credit bureaus and XXXX XXXX multiple times beginning in XXXX. 
- XXXX XXXX responded that the account was accurate without addressing the fact that the name on the account does not match mine. 
- XXXX XXXX has continued to update the account, causing it to appear more recent than it is, extending the negative impact on my credit. 

Evidence of Re-Aging Correct Timeline ( Based on Original Delinquency XXXX ) Reported Timeline ( Re-Aged by XXXX XXXX ) XX/XX/XXXX Account opened, placed for collection. 

XX/XX/XXXX Still shows Date Opened, but Date Updated changes repeatedly. 

XXXX First and only collection activity. 

XX/XX/XXXX Balance updated despite no payment or new activity. 

No activity after XXXX should age off by XX/XX/XXXX. 

XXXX Continuous C collection codes reported each month, implying ongoing delinquency.

Under FCRA 623 ( a ) ( 5 ), DOFD must remain fixed. 

XX/XX/XXXX Reported as Collection account. {$490.00} past due as of XX/XX/XXXX, falsely suggesting recent delinquency.

FCRA and FDCPA Violations FCRA 623 ( a ) ( 1 ) Furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 5 ) Failing to report the correct Date of First Delinquency, thereby re-aging the account.

FDCPA 807 ( 2 ) ( A ) Misrepresenting the character, amount, or legal status of a debt.

FDCPA 807 ( 8 ) Communicating credit information known to be false.

Relief Requested : - Immediate deletion of the XXXX XXXX account from all consumer reporting agencies. 

- Written confirmation from XXXX XXXX that the account will not be re-reported. 

- Correction of all information furnished to third parties regarding this account. 

Attachments : 1. XXXX XXXX account record showing incorrect name. 

2. Credit report screenshots from XXXX  showing date and status changes from XXXX. 

3. Re-Aging Timeline Chart above.

4. Proof of my identity and correct legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year>2023 two accounts with TRUIST Bank were charged off and reflected on my personal credit reports. The following year I reported the amounts to the IRS as income as directed by the Internal Revenue Code ( IRC ) Section 6050P. The creditor has failed to provide the documents to substantiate the information displayed on my personal credit report. I have also requested the CFPB investigate this fraudulent behavior to only receive a closed case without explanation. I am now requesting them CFPB provide the copies of both 1099c forms foe both charged off accounts and demand the creditor remove the incorrect information from my personal credit reports at once.

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 2025-08-10 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:
XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
I am disputing the accuracy, validity, and legal standing of two accounts allegedly purchased and reported by Midland Credit Management. The accounts are listed on my XXXX  credit report as opened on XX/XX/year> and XX/XX/year> with a balance of {$1600.00} and {$480.00} respectively. I do not concede that Midland Credit Management has legal ownership or authority to collect or report this debt. No documentation has been provided to establish a valid chain of assignment, including a bill of sale, assignment agreement, or itemized account history. I suspect Midland Credit Management may have re-aged an older debt or misrepresented the date of account origination and may have overstated the amount of recoverable amount because I have not opened any new accounts in 2024, and the reported information does not align with my credit history. No validation or breakdown of charges has been provided. During the alleged time of default, I was experiencing severe financial hardship, including homelessness and displacement during a federally declared disaster. This materially impacted my ability to manage or respond to financial obligations. Midlands continued reporting without proper validation violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have submitted an affidavit to XXXX  requesting investigation and immediate removal of the account until full documentation is provided. I am continuing to be prejudiced by this negative reporting because I am still being denied licensure for my Mortgage Loan Originator 's role at my company due to credit reporting issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: LA

Complaint narrative:
Haven't had a cash app account in over 2 years and have tried to get a account but think someone has been using account in my name i might be a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX ( XXXX : XXXX ) was repossessed by XXXX XXXX acting on an Order of Repossess from Ally Financial. The repossession took place on my guardians clearly marked private property ( PRIVATE PROPERTY NO TRESPASSING ) without any prior notice, right to cure, court order, or opportunity to resolve the matter. 

Before this event, I had not received : A valid Notice of Default ; A Right to Cure under Illinois law ; A Truth in Lending Disclosure Statement ; or Any validation of debt in compliance with federal law. 


My guardian, who holds my Durable Power of Attorney and is the Trustee of our family trust, immediately issued : Notice of Trespass ( citing Illinois trespass statutes 720 ILCS 5/21-3 and 5/21-4 ) ; Affidavit of Unlawful Possession ; Demand for Return of Property ; and A Fee Schedule for violations ( publicly recorded ).

Both Ally Financial and XXXX XXXX  have failed to respond to these notices or produce any documentation proving a perfected lien, valid security agreement, or lawful claim under UCC 9-203 and UCC 9-308 .

Their actions appear to violate :
720 ILCS 5/21-3, 5/21-4 ( Criminal Trespass ) ; 720 ILCS 5/16-1 ( Theft/Criminal Conversion ) ; 15 U.S.C. 1635 & 1638 ( Truth in Lending Act disclosure and rescission rights ) ; 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act validation and unfair practices ) ; 815 ILCS 505/2 ( Illinois Consumer Fraud and Deceptive Business Practices Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
Subject : Follow-Up Complaint - Equifax Willful and Negligent Noncompliance Under Federal Law Re : XXXXXXXX XXXX To Whom It May Concern, This is a follow-up complaint concerning Equifaxs failure to comply with federal law, including multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as violations of consumer protection responsibilities. Despite receiving valid identity documents and a certified Method of Verification ( MOV ) request, Equifax has failed to respond in accordance with the law. 

Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) more than 15 days ago, and Equifax has failed to respond to that complaint as well. This lack of action indicates a pattern of disregard not only for consumer rights, but also for federal regulatory obligations. 

The MOV I requested should already exist in Equifaxs system, as the reinvestigation was completed. There is no legal justification for requiring multiple requests to obtain information that must be on file according to federal law. 

The following legal grounds apply : 1. FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification within 15 days 2. FCRA 611 ( a ) ( 5 ) Failure to delete unverified or unverifiable information 3. FCRA 609 ( a ) ( 1 ) Failure to provide all file information to the consumer upon request 4. FCRA 623 ( b ) ( 1 ) Failure to correct or delete inaccurate or incomplete information after notification of dispute 5. FCRA 616 Civil liability for willful noncompliance with the FCRA 6. FCRA 617 Civil liability for negligent noncompliance with the FCRA 7. FCRA 602 Congressional findings and statement of purpose : consumer protections must be fair and equitable 8. FCRA 603 Definition of 'consumer report ' and 'consumer reporting agency ' Equifax is legally bound to the obligations of a CRA 9 . 15 U.S. Code 1681s2 Duties of furnishers of information to provide accurate data and cooperate with investigations 10. 15 U.S. Code 45 ( FTC Act Section 5 ) Prohibits unfair or deceptive acts or practices affecting commerce, including systemic failure to process consumer verification requests Equifaxs refusal to provide the required MOV and failure to acknowledge the existing CFPB complaint clearly reflects willful and negligent noncompliance. This conduct has directly harmed my legal rights and obstructed the ability to review and challenge the accuracy of information in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
On XX/XX/XXXX, XXXX XXXX confirmed in writing that my XXXX  account was settled in full on XX/XX/XXXX, for {$570.00}, with {$510.00} forgiven. They also stated that the account was deleted from the credit bureaus on XX/XX/XXXX. 
Despite this, my current credit reports from TransUnion, Experian, and Equifax still show the account with a Charged Off status. This is inaccurate and misleading, as the account was closed, paid, and deleted nearly four years ago. 

This inaccurate reporting is harming my credit and violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 605 ( a ) ( 5 ) Prohibits reporting accounts that have been cancelled or settled.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 ( a ) ( 5 ) ( B ) Requires written notice within 5 business days if a deleted account is reinserted, which I never received.

I am requesting that the credit bureaus delete this account entirely from my reports, or at minimum, update it to reflect Closed Paid in Settlement in accordance with the documentation provided by 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