vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint because all three credit reporting agenciesTransUnion, Equifax, and Experianhave failed to fully comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 1681s-2, after I provided complete and verified documentation of identity theft.

I have submitted my FTC Identity Theft Report, my identification, and a written statement over six times to each bureau. I have also spoken directly with customer-service representatives and managers who confirmed receipt and accuracy of my documents. Despite this, the bureaus have only partially removed some accounts, leaving behind late payments, high balances, inquiries, and derogatory remarks tied to the same fraudulent accounts.

The law requires that, once a consumer provides proper proof of identity theft, the bureaus must block all fraudulent information within four ( 4 ) business days ( FCRA 605B ). The failure to fully delete and block these items constitutes willful non-compliance under FCRA 1681n and/or negligent non-compliance under 1681o. 

The following accounts and inquiries remain inaccurately reported despite my valid identity-theft filings : XXXX / XXXX XXXX payments and derogatory information remain. 
XXXX XXXX XXXX XXXX ( XXXX ) Should be deleted ; balance must be {$0.00}. 
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX confirmed no authorized-user reporting XXXX XXXX XXXX  has XXXX removed accounts and late payments on their end. 
XXXX XXXX  ( XXXX ) Still showing high balance and inquiries. 
XXXX XXXX Fraudulent account remains. 
U.S. Bankruptcy Should be deleted as identity-theft-related. 
Closed accounts Still reporting high balance, falsely implying I owe money. 
Improper inquiries XXXX XXXX, XXXX, XXXX XXXX. 

These bureaus were legally obligated to remove and block this information but have failed to do so even after more than 30 days. Their continued reporting is damaging my credit reputation and preventing me from obtaining fair access to credit.

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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DailyPay, Inc
State: KY

Complaint narrative:
Company name : DailyPay , Inc. 
Product : Earned wage access / paycheck advance service What happened : I work for XXXX XXXX under the XXXX XXXX XXXX franchise. I use DailyPay to access my earned wages. On XX/XX/year>, and XX/XX/year>, there was a {$100.00} delay in receiving my earned pay through DailyPay. 

My employer confirmed that my hours were properly recorded and that payroll data was sent to DailyPay on time. However, DailyPay delayed releasing my funds with no notice or clear reason. This caused me financial stress and hardship, as I rely on timely access to my wages for essential expenses. 

I contacted DailyPay support and requested a written explanation and resolution within 2 business days. If they fail to respond or correct this issue, I am seeking the CFPBs assistance to investigate whether DailyPays delays violate consumer protection standards or their stated service commitments. 

Desired resolution : I want my delayed funds to be released immediately, a written explanation for the delay, and assurance that this will not happen again. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
To Whom It May Concern : On XX/XX/year>, I submitted this formal dispute and complaint regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports. These tradelines fail to meet the accuracy and data integrity requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Metro 2 data reporting standards established by the Consumer Data Industry Association ( CDIA ).

After reviewing my credit reports from Experian, Equifax, and TransUnion dated XX/XX/year>, I have identified numerous inconsistencies, reporting errors, and unverifiable data that materially misrepresent my credit profile. 

Disputed Accounts and Issues Identified : XXXX. XXXX XXXX XXXX XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported as charged off, but balance, payment history, and Date of First Delinquency fields are inconsistent across bureaus. Contains contradictory remarks and status codes ( Account previously in dispute, Charge-off, Closed by grantor ), which violate Metro 2 Base Segment Field 17 ( Account Status ) and Field 11 ( Account Type ) accuracy guidelines. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported charge-off date and balance inconsistent with payment history ; no verifiable data for charge-off amount. Failure to properly populate Compliance Condition Code ( CCC ) and Date of Account Information ( DAI ) fields as required under Metro 2. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Duplicate and conflicting data entries across Experian and TransUnion files. Payment history and balance data differ by month, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and Metro 2 Field 25 ( Current Balance ) standards. 

. XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX ( Equifax ) Reported charge-off without verified date of first delinquency or proof of sale/transfer to another entity. Improper use of narrative codes ( 067, 123, 174 ) inconsistent with charge-off status, violating Metro 2 Segment Code specifications.

Legal Basis for Dispute : Under FCRA 1681i, credit reporting agencies must reinvestigate disputed information and verify each data fields accuracy and completeness within 30 days of receipt. If a furnisher can not verify each data element per Metro 2 reporting requirements including the Date of First Delinquency, Account Status, Balance, and Payment History the entire tradeline must be corrected or deleted.

Each bureau is also required under FCRA 1681e ( b ) to ensure the maximum possible accuracy of consumer information. In addition, the CFPB XXXX XXXX mandates that data furnishers maintain procedures to ensure Metro 2 compliance and accurate transmission of account data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send us a letter with your request and include your full name, any former names you used recently, your current address ( and former address if at the current address for less than two years ), and your date of birth. You should include documentation to verify your identity and address ( for example : driver 's license and pay stub or utility bill ). You may send this information to the address listed below. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit equifax.com/personal/credit-report-services. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
Case number : XXXX This is the response I received from Equifax, and I have attached the documents needed to complete my investigation and I have already forwarded my FTC report .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account [ XXXX XXXX XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX days late ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am filing a complaint against LVNV Funding LLC concerning on an old credit card account originally with XXXX  XXXX ( XXXX XXXX  ). The alleged debt dates back to late XXXX, with my last payment made on or about XX/XX/year>. 

Because this debt is now six years old, I believe it is beyond the statute of limitations for collection in Tennessee under Tenn. Code 28-3-109. Despite this, LVNV Funding continues to contact me and/or report this account on my credit report.

I do not believe LVNV Funding has verified the debt, and I have concerns about their right to collect or report it after this length of time. Any continued attempts to collect, communicate, or report it may be in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MO

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercury Technologies, Inc.
State: OH

Complaint narrative:
I'm filing this complaint as a consumer under the authority of the Consumer Protection Agency Financial Protection Agency Act. I believe m y rights under the federal consumer protection laws have been violated and I am requesting a formal investigation and immediate corrective action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX ; Member of a financial. 

This matter appears to involve violations under one or more of the following Fair Credit Reporting Act ( FCRA ) inaccurate or incomplete reporting, or failure to investigate disputes, Fair Debt Collection Practices Act ( FDCPA ) - unfair, deceptive, or abusive collection practices.

Truth in lending Act ( TILA ) - failure to provide clear terms orf proper disclosures.

Equal Credit Opportunity Act ( ECOA ) - discrimination in lending or adverse action without notice.

Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) - in fair, deceptive, or abusive acts or practice.

I request that the CFPB : 1. Conduct an investigation into this company 's conduct.

2. Require the company to correct and document resolution of the issue.

3. Enforce penalties or compliance measure as appropriate under federal law.

4. Ensure that no retaliation, further negative reporting, or collections occur during the investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverified late payments for the account XXXX XXXX XXXXXXXX ( Account No. XXXX ) on my credit report. Specifically, Equifax shows late payments for XX/XX/XXXX and XX/XX/XXXX, even though both payments were made on time. 

I submitted a formal dispute to Equifax, providing proof of timely payments and a copy of my credit report highlighting the inaccurate entries. Despite this evidence, Equifax has failed to correct or delete the false late payments. As a result, I have suffered financial harm, including higher interest rates, declined credit opportunities, and an unfair reflection of my creditworthiness. 

This inaccurate reporting violates several sections of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Duty to ensure maximum possible accuracy of all reported information 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure of the furnisher to promptly correct or delete inaccurate information 623 ( a ) ( 7 ) : Failure to provide prior written notice before reporting negative information Additionally, under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ), courts have ruled that a reinvestigation relying solely on automated verification from the furnisher does not meet the FCRAs standard for a reasonable reinvestigation. 

Even after providing verifiable documentation that the XX/XX/XXXX and XX/XX/XXXX payments were made on time, Equifax continues to report false information, constituting a negligent and willful violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/year>

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 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I received an email from Newrez, my mortgage company, on the same day I received the tax bill from the county. The mortgage company said they were paying {$6200.00} and my county tax bill is only {$5500.00}. I immediately send an " in-mail '' to Newrez telling them of the difference and that I want a revised payment schedule since the tax bill was almost {$700.00} lower. The email from Newrez today forced me to set up a new account. This is questionable since I couldn't access my account until I entered another password. The letter states their amount is correct and to rest assured they will pay it. This is the third complaint about the escrow I have made on Newrez. I believe they owe me money from XXXX and XXXX and into XXXX. I have requested that a third party audit my account. It hasn't happened. Now they are telling me the bill I received from the county is wrong. It wasn't wrong last year. I paid it. They owed me money from XXXX and didn't pay it to me. Now they are keeping another almost {$700.00} in XXXX. There were 4 or 5 different payment amounts this year. I want my money back. I want a third party to audit my 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Please validate and remove any unverified debt 15 u, s. Code 1692 please provide signatures and dates of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Please validate and remove any unverified debt 15 u, s. Code 1692 please provide signatures and dates of debt

Company response to consumer: Closed with explanation