vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Respondent violated requirements of the Fair Credit Reporting Act throughout the Dispute reinvestigation process. Further, in some instances, Equifax failed to timely block consumer information resulting from identity theft and provided inaccurate credit scores and consumer report information to lenders and others in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act.

Equifax committed unfair acts and practices by using ineffective systems and flawed processes with known limitations, information loss, and excessive deference to furnishers to reinvestigate consumer disputes, in violation of the CFPA, 12 U.S.C. 5531 and 5536 ; Equifax failed to maintain reasonable procedures to assure maximum possible accuracy of consumer information related to its processing of consumer disputes, in violation of the requirements of FCRA 607 ( b ) ; Equifax failed in some instances to timely block the reporting of identity-theft related information in consumers files and failed to provide consumers with required identity theft notifications and information, in violation of the requirements of FCRA 605B ; Equifax failed to maintain reasonable procedures to assure maximum possible accuracy of consumer information when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the requirements of FCRA 607 ( b ) ; and Equifax committed unfair acts and practices when, as a result of a coding error, it provided inaccurate credit scores and credit attributes to lenders and others, in violation of the CFPA, 12 U.S.C. 5531 and 5536.

List of the accounts Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX/XXXX  Account number XXXX Account name XXXX  Account number XXXX Inquiries XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
I have a debt on my credit report from a past apartment that is now handled by [ Law Office of Brett M Borland, P.C. ]. Ive tried to pay or settle the debt, but they refuse to give me any kind of written confirmation or receipt even if I pay in full.

Because of this, Im stuck. I cant clear the debt, and its stopping me from getting approved for housing. Ive also disputed it with the credit bureaus, but its still there. 

I believe this is unfair and possibly illegal. Im asking for help to either : Get clear confirmation of what happens if I pay the debt Or have the item removed from my credit report if the collector cant verify it properly Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : SECTION 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error.

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 2025-04-16 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: AL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-04-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: NV

Complaint narrative:
I signed up in XXXX, I had a collection unknown in my credit report and I was trying to clear it up. The company on my credit report is under " XXXX XXXX '', when I contacted this company, XXXX XXXX ( XXXX answered the phone and informed me that they were a third party credit cleaning company and that they would " Take care of it '' and not only that but also PROMISED that they would dispute all my old derogatory marks that have been there for years, even on accounts that have been paid in full. I waited until end of XXXX to call, as I signed up beginning of XXXX, and I understand that it takes 30 days to see any changes, as the " first round '' of letters were sent around XX/XX/XXXX according to the agent. I waited, XXXX, XXXX, XXXX and now XXXX and not only XXXX account has been deleted or reported, but non of the derogatory marks they promised to delete with a max date of 90 days, have been completed. Their side does not provide any updates, and each time I call I get the same answer, wait another 30 days, in the meantime, I have spent close to {$500.00} for their services and all the positive changes I received on my credit report are because I disputed those on my own, and I am getting updates on the ones I dispute, so not understanding what this company is doing and I not only wish to get my money back, but I also demand all the letters they claimed they have sent to all those creditors to verify credibility of their actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect personal information on my credit profile that isnt right and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I'm submitting this complaint because there is an inaccurate and unauthorized collection account still being reported on my credit file by TransUnion. I previously exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and formally requested that the debt collector cease all communication. Despite that, the collector continues to report this account, which directly affects my credit and still serves as a form of communication. This is not only a violation of the FDCPA but also the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and has continued to be reported even after being disputed.

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management , Inc., who filed a lawsuit against me in California Superior Court ( XXXX XXXX ) after I had already paid the debt in full. The payment was mailed on XX/XX/XXXX, and cashed by the company on XX/XX/XXXX. 

Despite accepting the full amount ( {$1000.00} ), they filed a lawsuit under XXXX XXXX. XXXX. I notified them and asked them to dismiss under California Code of Civil Procedure 128.7, but they failed to respond. I have had to spend time and money filing an Answer and a Motion to Dismiss, as well as preparing exhibits and mailing notices. 

Their actions are not only unethical, but appear to be intentional abuse of the court system to pressure consumers into settling already-resolved debts. They are wasting judicial resources and violating fair debt collection standards. 

I am requesting that the CFPB investigate and take appropriate regulatory action to prevent further abuse of this kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, on several time have sent proof to all three credit reporting bureaus, asking them to correct the status of my accounts to Paid/ Closed., but they still show as Charged off with balances. This is damaging to my credit, untrue and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I, on several time have sent proof to all three credit reporting bureaus, asking them to correct the status of my accounts to Paid/ Closed., but they still show as Charged off with balances. This is damaging to my credit, untrue and illegal.

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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC
State: OH

Complaint narrative:
XX/XX/XXXX I was redirected from the XXXX website to a company called Gravity Lending, when researching information about potential XXXXXXXX XXXX XXXX. On their page, I filled out all information about my loan and submitted it, and checked a box on a XXXX that they would need to verify the information provided. Immediately after I had a hard credit inquiry notification on my XXXX credit report and confirmed it was conducted by said company. I did not intentionally agree to an application for refinance, and was looking for information. When I reported that this was unfair, the company told me that it was in compliance with FCRA and that I was not intentionally mislead. All of this had occurred before I even had the scheduled phone call meeting with XXXX of the loan officers. I have attached a copy of the disclosure and the text conversation between the loan officer and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove!

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 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: HI

Complaint narrative:
XXXX. I am disputing the current penalty charges of {$470.00}, and any further penalty charges, levied by XXXX XXXX XXXX to my biennial maintenance fees of {$2900.00} according to the notification letter that was mailed to me on XX/XX/XXXX. XXXX XXXX ( a ) and Enclosure ( XXXX ) XXXX. XXXX XXXX XXXX did not notify me of any imposition of late fees nor did they warn me that my account was to be referred to collections. 

XXXX. On XX/XX/year>, I spoke with XXXX from XXXX XXXX XXXX at phone number XXXX and updated all of my contact information including my new mailing address. Note that I called him and he returned my call and we spoke for XXXX minutes. XXXX XXXX ( XXXX ) XXXX. I expect all current and future penalty charges to be removed from my account and my account to be considered paid in full as I notified XXXX XXXX XXXX of my change in mailing address on XX/XX/year>. As a result of XXXX XXXX XXXX errors they failed to notify me in writing that I was late on a debt or that my debt was being referred to collections. Additionally, XXXX XXXX XXXX never called me by phone to notify me of the debt collection.

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 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Took out a loan for XXXX from LendMark Financial Services. I have repaid them over XXXX. LendMark is claiming I owe and additional XXXX. The period of the loan ending XX/XX/year>,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account has been suspended by Capital One because they now demand a picture ID to access my account. They sent me a link to send my driver 's license. I did not comply. Now Capital One XXXX keeps calling me asking me to upload the information they demand. I have a CREDIT balance on this account of {$42.00}. On XX/XX/year> I called Capital One XXXX and followed their required verification process then spoke with a representative. The representative informed me that my account would remain suspended until I comply with their demands. I then asked them for a refund of the money they owe me and close the account. They refused to refund the credit because the account is suspended. They refuse to send a refund check to the billing address because they can't verify it's actually XXXX asking them for a refund AFTER they already verified my identity for that phone call and spoke to me about my account. 

THEY suspended my account and now are denying access to my account, refusing to pay the money they owe me, and refusing to close this account because THEY suspended the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from repeatedly or continuously contacting me. XXXX XXXX XXXX XXXX sent me debt collecting activity by email after expressing saying they would not. This is a violation of my right to not be harassed by a debt collector. 
I was told by email on XX/XX/year> that " no further collection activity will occur. '' Breaking that written promise, on XX/XX/year> XXXX XXXX XXXX XXXX sent me another email that specifically says " This is an attempt to collect a debt ''. 

I have been thinking about this ever since and I just didn't know what to do until now.

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 2025-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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