vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX. 

Dear XXXX XXXX Department, I am submitting this second dispute response through the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and incomplete information that XXXX XXXX XXXX continues to furnish to the three major credit reporting agencies ( Equifax, XXXX XXXX XXXX  ). 

While I appreciate your previous reply, your investigation has not resolved the inaccuracies I identified. After reviewing my current credit reports, I have confirmed that XXXX is still reporting incorrect and potentially misleading information regarding my account. Specifically : 1. The account information being furnished is inconsistent across all three bureaus. Each credit bureau reflects a slightly different account number, payment history, or status. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), XXXX is required to ensure the maximum possible accuracy of all data furnished. 
XXXX. Late payment notations remain that are not reflective of my actual payment history. I have paid all balances in full and the account has been closed since XX/XX/XXXX, as your own records confirm. Continuing to report late or derogatory payments after closure misrepresents my creditworthiness. 
XXXX. The reporting fails to indicate that the account has a {$0.00} balance and is closed in good standing. This omission causes continued harm to my credit profile and violates the FCRAs accuracy provisions. 

As a consumer, I have the right to have inaccurate, incomplete, or unverifiable information corrected or deleted from my credit reports. Therefore, I am requesting that XXXX : - XXXX a reasonable reinvestigation of the account information you are furnishing to all three credit bureaus ; - Provide written verification of each item you continue to report, including account numbers, payment histories, and furnish dates ; and - Correct or remove any data that can not be fully substantiated within 30 days as required under the FCRA. 

If XXXX continues to report unverifiable or inconsistent information, I will pursue additional remedies under the FCRA, including submitting a formal complaint to the Indiana Attorney Generals Office and seeking appropriate relief for continued harm to my credit reputation. 

I expect a detailed response and documentation verifying the accuracy of your data furnished to Equifax, XXXX XXXX XXXX  within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Hello, I previously submitted documentation to all three credit bureaus regarding several unauthorized accounts and credit inquiries that are appearing on my credit reports. Despite my written requests and supporting evidence, none of the bureaus have responded or taken corrective action. These accounts and inquiries were not authorized by me, nor do they provide any personal or financial benefit. They are negatively impacting my credit profile and overall financial stability. 
I belive the credit bureaus have violated my rights under the ( FCRA ) by failing to investigate disputed information within the required thirty-day timeframe, failing to verify permissible purpose for the inquiries, and failing to provide written results of a reinvestigation. Additionally, under section 605B of the FCRA law any information resulting from identity theft should be blocked within 4 business days of receipt of proper documentation which has not been done as of today! 
I have attached copies of the letters I sent to each bureau. The accounts and inquiries remain on my reports, and I have not received any acknowledgment or investigation results. I am requesting the CFPBs assistance to ensure the credit bureaus comply with the FCRA and immediately remove all unauthorized accounts and inquiries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
Hello, I previously submitted documentation to all three credit bureaus regarding several unauthorized accounts and credit inquiries that are appearing on my credit reports. Despite my written requests and supporting evidence, none of the bureaus have responded or taken corrective action. These accounts and inquiries were not authorized by me, nor do they provide any personal or financial benefit. They are negatively impacting my credit profile and overall financial stability. 
I belive the credit bureaus have violated my rights under the ( FCRA ) by failing to investigate disputed information within the required thirty-day timeframe, failing to verify permissible purpose for the inquiries, and failing to provide written results of a reinvestigation. Additionally, under section 605B of the FCRA law any information resulting from identity theft should be blocked within 4 business days of receipt of proper documentation which has not been done as of today! 
I have attached copies of the letters I sent to each bureau. The accounts and inquiries remain on my reports, and I have not received any acknowledgment or investigation results. I am requesting the CFPBs assistance to ensure the credit bureaus comply with the FCRA and immediately remove all unauthorized accounts and inquiries from my credit reports.

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 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: LA

Complaint narrative:
In XX/XX/XXXX U.S. Bank sent a short-sale offer claiming Id completed loss-mitigation and declined help, though I was current and hadnt applied. That false record let them misrepresent my status. On XX/XX/XXXX I applied for FHA loss-mitigation ; they opened forbearance XX/XX/XXXX, offered a Partial Claim XX/XX/XXXX, then gave conflicting info, later admitting their reps made multiple errors. Agents sounded nervous on the phone and apologized. Now theyre trying to shoehorn me into a 6.5 % loan mod to cover their mistakes. They refuse to explain Partial Claim criteria or provide my file requested under 12 C.F.R. 1024.36.

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 2025-10-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION AND A ALREADY SOLD ACCOUNT ON MY CREDIT REPORT AND VIOALATING THE FCRA LAWS 15 U.S.C 1681i ( a ) ( 1 ) ( A ) 15 U.S.C 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ) 15 U.S.C 1681s -2 ( a ) ( 1 ) ( A ) 15 U.S.C 1681s ( a ) ( 1 ) ( c ) ( a ) ( 2 )

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 2025-10-31 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: GA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in 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 2025-10-30 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint against Midland Credit Management for failing to provide a proper validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have formally requested validation of the alleged debt from Midland Credit Management in writing, but have not received any correspondence or documentation verifying the debt, the original creditor, the balance, or proof of their right to collect. Despite my request, Midland continues to report this account on my credit report without providing the legally required information. 

This failure to respond violates my consumer rights under federal law. Until a proper validation is provided, Midland Credit Management should not continue any collection activity or furnish this account to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I submitted a formal dispute to Equifax regarding several accounts that I believe are the result of identity theft. Along with my dispute, I provided a completed Identity Theft Report and valid proof of my identity. Despite providing the necessary documentation and allowing more than 30 days for investigation, Equifax has failed to remove or correct the fraudulent information. The accounts remain on my credit file, negatively impacting my creditworthiness. This lack of resolution is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding the duty to block and delete fraudulent information once proper proof is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX please tell me if my email XXXX is fully still active and isnt restricted and still can be used at any other banks for Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
I pulled a copy of my credit report and noticed accounts that are not reporting with maximum possible accuracy, violating 15 U.S. Code 1681e ( b ).

I submitted a formal dispute with documentation, but the accounts are still being reported inaccurately. Under 15 U.S. Code 1681i ( a ), the information should have been corrected or deleted if it couldnt be verified and that didnt happen. Your agency is in violation for not properly investigating my dispute. 

In XXXXXXXX XXXX XXXX XXXX was sued for relying on the furnishers investigation and not conducting their OWN independent investigation and your agency has done the exact same thing. 

As part of this complaint, I am now formally requesting the method of verification and the names of all parties contacted during the investigation, as allowed under 15 U.S. Code 1681i ( 7 ). 

I am requesting the following documents : My full file disclosure Employee names you spoke with The dispute audit trail The procedure you used to verify AFTER the furnisher sent over their results This inaccurate reporting is harming my credit and causing emotional distress. 
Accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX - XXXX - This agency also did not verify the debt properly and there is XXXX contract between us, they sent me my lease agreement, a collection attempt letter, state disclosures and move out statement. There was no validation or verification of the debt. I have attached the documents below showing what they responded with. Please have them provide the following as validation and verification : - Assignment Letter - Authorization Letter - Authorization Agreement from XXXX XXXX that shows they can charge interest even they don't own the debt and are only collecting on behalf of XXXX XXXX ( XXXX XXXX XXXX got sued for this and had a XXXX XXXXXXXX settlement agreement ) Please see the attached letter for full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Sezzle Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Last Four of XXXX : XXXX Date : XX/XX/XXXX To : Sezzle , Inc. 

Dear Sezzle Compliance Department, I am submitting this second dispute response through the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and incomplete information that Sezzle , Inc. continues to furnish to the three major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

While I appreciate your previous reply, your investigation has not resolved the inaccuracies I identified. After reviewing my current credit reports, I have confirmed that Sezzle is still reporting incorrect and potentially misleading information regarding my account. Specifically : 1. The account information being furnished is inconsistent across all three bureaus. Each credit bureau reflects a slightly different account number, payment history, or status. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), Sezzle is required to ensure the maximum possible accuracy of all data furnished.

2. Late payment notations remain that are not reflective of my actual payment history. I have paid all balances in full and the account has been closed since XX/XX/XXXX, as your own records confirm. Continuing to report late or derogatory payments after closure misrepresents my creditworthiness. 
3. The reporting fails to indicate that the account has a {$0.00} balance and is closed in good standing. This omission causes continued harm to my credit profile and violates the FCRAs accuracy provisions. 

As a consumer, I have the right to have inaccurate, incomplete, or unverifiable information corrected or deleted from my credit reports. Therefore, I am requesting that Sezzle : - Conduct a reasonable reinvestigation of the account information you are furnishing to all three credit bureaus ; - Provide written verification of each item you continue to report, including account numbers, payment histories, and furnish dates ; and - Correct or remove any data that can not be fully substantiated within 30 days as required under the FCRA. 

If Sezzle continues to report unverifiable or inconsistent information, I will pursue additional remedies under the FCRA, including submitting a formal complaint to the Indiana Attorney Generals Office and seeking appropriate relief for continued harm to my credit reputation. 

I expect a detailed response and documentation verifying the accuracy of your data furnished to XXXX XXXX XXXX XXXX within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last 4 of SSN : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
IN PURSUANT OF 15 usc 1681s-2 AND15 U.S. Code 1681c-2 THE XXXX XXXX BALANCE OF {$1600.00} NEEDS TO BE DELETED FROM ALL CREDIT REPORTING AGENCIES. MY ACCOUNT WAS OPENED IN XXXX AND MY LAST PAYMENTS WERE REPORTED IN XXXX IN XXXX. BUT UNFORTUNATELY, I AM A VICTIM OF THE XXXXXXXX XXXX XXXX DATA BREACH. ALTHOUGH, THE ATTACHED DOCUMENT SHOWS THAT MY INITAL DISPUTES HELPED TO RESOLVE THE MATTER, THIS IS STILL NEGATIVELY IMPACTING MY CREDIT AND ITS BEEN WELL OVER 8 YEARS, WHICH MEANS THAT ALL OF THE CREDIT REPORTING BUREAUS ARE WELL IN THEIR RIGHT TO DELETE THIS OFFICIALLY FROM MY CREDIT REPORT.

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 2025-10-31 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: FL

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, I recently monitor my consumer credit report and i could not help but notice all the inaccuracies on my credit file. In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 U.S.C 1681 section 2 also states a CONSUMER reporting agency can not furnish an ACCOUNT without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card ACCOUNT under an open an CONSUMER credit plan as late for any purpose. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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... 

Otherwise, anyone paying for your reporting services could fax, mail or email in a Fraudulent Account... 

I DEMAND to see verifiable proof ( i.e .. AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) that you have on file for the ACCOUNTS listed below... 

Your failure to positively verify these ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable ACCOUNTS must be DELETED and if you are unable to provide me a copy of verifiable proof, AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, you must DELETE the ACCOUNTS listed BELOW... 


I DEMAND that the following ACCOUNTS BELOW be updated to paid/never late, or paid as agreed or DELETED COMPLETLEY off my CONSUMER credit file/report IMMEDIATLY... 

DELETE - ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$780.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX MN XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX, BALANCE : {$440.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX, MA XXXX XXXX ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE XXXX {$6900.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX VA, XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX Charge Off XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$16000.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX OH, XXXX DELETE-ACCOUNT NAME : XXXX XXXX, BALANCE : $ XXXX DELETE-ALL-ACCOUNTS WITH BALANCES-NAME : Dept. of XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00}, XXXX  BALANCE : {$630.00}, XXXX  BALANCE : {$560.00}, XXXX XXXX : {$3300.00}.

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 2025-10-31 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:
The following account is no longer in dispute. Please remove the disputed notations from my credit report and provide confirmation. In connection with my revolving credit card account with XXXX XXXX XXXX XXXX, I am composing this correspondence. I recently discovered that my credit reports contain a consumer statement or remark that suggests that this account was previously disputed. At this time, I am no longer disputing any information about this account, and I respectfully request that any dispute-related comments or notations be removed off my credit report. I genuinely value your time and comprehension in resolving this issue expeditiously. This matter is immediately impacting my livelihood and financial stability, and your support in ensuring precise reporting will significantly contribute to a positive outcome. If this account is not updated properly that means your agency will be in violation of 15 USC 1681i and I will have no choice but to pursue legal action immediately. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation