vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers of the accounts identified in my supporting documentation. Despite my repeated disputes under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, these accounts continue to be reported as verified and accurately reporting, which is demonstrably false and misleading.

Under FCRA 1681e ( b ), consumer reporting agencies are legally required to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency is obligated to delete or correct that information promptly.

Additionally, per the Metro 2 Compliance Guidelines established by the Consumer Data Industry Association ( CDIA ), furnishers and credit bureaus are bound to report data with integrity, consistency, and verifiability. Failure to comply with these standards constitutes a direct violation of industry compliance and federal law.

In this case, the disputed accounts have been repeatedly verified without any proper reinvestigation or evidence to substantiate the accuracy of the reporting, which is a violation of both the FCRAs reinvestigation requirements and Metro 2 data reporting standards. Simply relying on automated responses from data furnishers does not satisfy the requirement of a reasonable reinvestigation under the law.

I will be providing clear and compelling documentation proving these accounts are inaccurate. Therefore, pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), I am demanding the immediate deletion of all inaccurate, incomplete, or unverifiable information from my credit report.

If these violations are not corrected within the statutory time frame, I will have no choice but to pursue all available legal remedies, including initiating a lawsuit under FCRA 1681n and 1681o for willful and negligent noncompliance. This includes seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, as well as attorneys fees and costs of litigation.

I trust the CFPB will take swift and appropriate action to address these serious violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing to formally dispute the late payment reflected on my credit report. Upon reviewing my payment records, I found no indication that this payment was made after the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I tried to dispute this information with letters dated back to XX/XX/year> without receiving requested information 1 ) full agreement/ my signature 2 ) payment history 3 ) chain of custody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: PA

Complaint narrative:
I wrote a rent check on or about XX/XX/XXXXXXXX  for {$1500.00} [ an ongoing monthly obligation ] the bank [ Key Bank ], on a point of sale transaction initiated by my Landlord [ {$1400.00} + {$40.00} + {$50.00} = {$1500.00} ] on my check # XXXX on XX/XX/XXXX DECLINED PAYMENT when in fact SUFFICIENT FUNDS in CASH were on Deposit in XXXX PA! 

Noting an Important Notice issued XX/XX/XXXX from KEY BANK that according to their records [ what records are they using? ], " your account ending in XXXX was recently overdrawn or had one or more transactions returned. ", BEFORE ( emphasis added ) the bank issued me two ( 2 ) OFFICIAL CHECKS for the funds I had [ past tense ] on Deposit for a total in excess of {$12000.00} from My Checking and LINKED Savings account! 

Their actions are the direct and consequential result of the additional costs I incurred presently ( {$98.00} to my Landlord under their contract and an additional {$7.00} ( or {$50.00} over the course of my current lease ) for replacement USPS Money Orders on XX/XX/XXXXXXXX  from XXXX, PA USPS, and will incur as an additional added expense, monthly, because of the total absolute incompetence or negligence of this Banking Institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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 : Credit Report Dispute XXXX XXXX XXXX ( Acct # XXXX ) Related Original Creditor : XXXX XXXXXXXX XXXX  To Whom It May Concern, I am writing to dispute inaccurate and outdated information appearing on my credit report regarding the following collection account : Debt Collector : XXXX XXXX XXXXXXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX Reported Balance : {$420.00} Date Opened : XX/XX/XXXX Reported Status : Collection Last Activity ( per data ) : XX/XX/XXXX On Record Until : XX/XX/XXXX This account has shown no payments or changes in balance since XX/XX/XXXX, yet it is still actively reported with a recent status update in XX/XX/XXXX. I previously disputed this account, and it was updated in XX/XX/XXXX, but I continue to believe the information is inaccurate or unverifiable. 

I am requesting that you : Fully verify the validity and details of this debtincluding original agreement, itemized charges, and ownership. 

Remove or correct the account if it can not be properly substantiated. 

Investigate any potential re-aging violations if this debt has not had legitimate recent activity but was updated to appear new. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my identification and proof of address. 

Thank you for your attention. I expect a response within 30 days per FCRA regulations. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Credit Report Dispute XXXX XXXX XXXX ( Acct # XXXX ) Related Original Creditor : XXXX XXXXXXXX XXXX  To Whom It May Concern, I am writing to dispute inaccurate and outdated information appearing on my credit report regarding the following collection account : Debt Collector : XXXX XXXX XXXXXXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX Reported Balance : {$420.00} Date Opened : XX/XX/XXXX Reported Status : Collection Last Activity ( per data ) : XX/XX/XXXX On Record Until : XX/XX/XXXX This account has shown no payments or changes in balance since XX/XX/XXXX, yet it is still actively reported with a recent status update in XX/XX/XXXX. I previously disputed this account, and it was updated in XX/XX/XXXX, but I continue to believe the information is inaccurate or unverifiable. 

I am requesting that you : Fully verify the validity and details of this debtincluding original agreement, itemized charges, and ownership. 

Remove or correct the account if it can not be properly substantiated. 

Investigate any potential re-aging violations if this debt has not had legitimate recent activity but was updated to appear new. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my identification and proof of address. 

Thank you for your attention. I expect a response within 30 days per FCRA regulations. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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 : Credit Report XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) To Whom It May Concern, I am writing to dispute the accuracy and completeness of a collection account listed on my credit report. Below are the details : Debt Buyer : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$640.00} Status : Collection ( as of XXXX XXXX ) On Record Until : XX/XX/XXXX I previously disputed this item, but the information remains unchanged and unverified. I am requesting that you : Conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) ; Require the debt buyer to verify their legal right to collect and report this debt ; Remove this entry from my report if it can not be fully substantiated with proper documentation. 

If XXXX XXXX XXXX XXXX is unable to verify this debt with original account-level documentation, I respectfully request that it be deleted from my file. 

I have enclosed copies of my ID and proof of address for your review. Please complete the investigation and respond in writing within 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 : Dispute of Collection Account XXXX XXXX ( Account XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute a collection account currently listed on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Reported Status : Collection as of XX/XX/XXXX On Record Until : XX/XX/XXXX I am requesting a formal investigation of this account, as I believe the information being reported may be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of this debt, including : The date of the last payment ( if any ), The original contract or agreement, And proof that XXXX XXXX has the legal right to collect and report this debt. 

If this account can not be properly verified, I request that it be removed from my credit report immediately. 

Attached are copies of my identification and proof of address for verification purposes. Please complete the investigation and respond within 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Collection Account XXXX XXXX ( Account XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute a collection account currently listed on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Reported Status : Collection as of XX/XX/XXXX On Record Until : XX/XX/XXXX I am requesting a formal investigation of this account, as I believe the information being reported may be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of this debt, including : The date of the last payment ( if any ), The original contract or agreement, And proof that XXXX XXXX has the legal right to collect and report this debt. 

If this account can not be properly verified, I request that it be removed from my credit report immediately. 

Attached are copies of my identification and proof of address for verification purposes. Please complete the investigation and respond within 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The investigation did not resolve the inaccuracies on my 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 2025-07-16 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance 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. 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 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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/XXXX. My loans were forgiven. I made a call to Mohela and student loan services and they told me that my loans have been forgiven and that they are at {$0.00} and that I do not owe anything. In XXXX of XXXX, it says I have over {$160000.00} in student loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX about the late payment that is reporting on my credit profile, I was told by Branch Manager at the XXXX XXXX location in XXXX FL that the late pay would be removed, because of the misunderstanding of what I was told by the representative on XX/XX/year> and my payment would be back dated for that day which when payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was offered a business line of credit from Headway Capital and was told the APR was 72.10 % annually. Based on that representation, I moved forward. However, after making over {$35000.00} in payments, my loan balance still shows nearly {$50000.00} owed essentially unchanged. 

My monthly payment is {$4700.00}, which adds up to over {$57000.00} annually far more than the original loan and well beyond the APR I was told. This means the actual effective APR is over 130 %, possibly higher when factoring in fees and daily compounding. These terms were never clearly disclosed. 

This feels like a predatory and misleading business loan. I requested a breakdown and payoff schedule, and they failed to provide it. Ive since formally disputed the loan and requested resolution. The structure mirrors the deceptive practices that led to prior CFPB enforcement against their parent company, Enova International. 

I am asking the CFPB to investigate this situation and help ensure Headway Capital can not continue these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
REGIONAL ACCEPTANCE CORP Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Balance this account is due to identity fraud. I am an victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am requesting that you investigate this matter and provide verification of the debt, including the following : A copy of the original contract or agreement. 
Documentation showing the assignment of the debt to Bridgecrest, if applicable. 
A detailed accounting of the debt, including the original amount, payments made, and any interest or fees charged. 
Proof that Bridgecrest is licensed to collect debt in [ North Carolina ]. 

If you are unable to provide this documentation, I request that you immediately remove the inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of the disputed information and correct any inaccuracies.Failure to do so may result in legal action. 

Furthermore, if Bridgecrest is not licensed to operate as a collection agency in [ North Carolina ], this constitutes a violation of [ North Carolina ] 's debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in unfair or deceptive practices, including attempting to collect a debt without proper licensing. 

I look forward to your prompt response and resolution of this matter within the timeframe required by law ( typically 30 days ). Please send all correspondence.

Company response to consumer: Closed with explanation