vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NM

Complaint narrative:
Dear Helvey & Associates Inc : I am writing regarding the alleged debt you claim I owe, referenced by account number [ account number ], which was first communicated to me on [ date of initial contact ].

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby dispute this debt in full and request that you provide complete validation as required by lawincluding, but not limited to : The name and address of the original creditor ; A complete payment history ; A copy of the original contract or agreement establishing the debt ; Your legal license or authorization to collect in [ your state ]. 
Until you provide such validation, you must cease all collection activity and must not report this debt to any credit reporting agencyor if you already have, indicate it is being disputed. Failure to validate will constitute a violation of the FDCPA Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I dispute the accuracy and legitimacy of this collection entry. If you have reported this debt to any credit bureau, you are required to : Investigate and verify the information within 30 days of receipt of this dispute ; Correct or delete any information found to be inaccurate or unverifiable ; Notify credit bureaus that I dispute the entry. 
This dispute is not an admission that I owe the debt nor does it restart any statute of limitations that may applyASAP XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is inaccurately reporting a XXXX XXXX XXXXXXXX account under my credit profile using an incorrect date of birth XX/XX/year>. This error constitutes a violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 1681i ( failure to correct inaccuracies after dispute ). The account in question is associated with the following Permission Number : XXXX XXXX XXXXXXXX {$1900.00} Permission Number : XXXX Incorrect DOB Associated : XXXX This misreporting creates a misleading consumer file, damages my creditworthiness, and may be the result of a mixed file or negligent internal data handling. 

I demand immediate investigation and deletion of this tradeline if no verifiable and accurate data can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 DEPTEDXXXX 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 DEPTEDXXXX 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 DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  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 DEPTED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: AL

Complaint narrative:
I am filing this complaint against Experian and the data furnisher SELF FinancialXXXXXXXX XXXX XXXX regarding materially inaccurate, misleading, and legally noncompliant credit reporting on a secured credit card account ending in [ last four digits ]. 

The tradeline is currently reported as : Open and 150 days delinquent as of XX/XX/XXXX, despite written evidence from Self Financial stating the account was closed in XX/XX/XXXX and the {$300.00} security deposit applied to the balance. 

This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Truth in Lending Act ( Reg Z ), and Metro 2 data furnishing guidelines, as follows : Alleged Violations : Post-Closure Re-Aging of Debt After the account was closed and partially paid via security deposit, XXXX  continued to report monthly delinquencies ( 90 to 150 days late ) well into XXXX. 

This practice violates FCRA 1681e ( b ) ( duty to report accurate data ) and Metro 2 guidance, which prohibits reporting new late payments without new billing cycles. 

Failure to Reflect Collateral Application Despite the creditor applying my {$300.00} secured deposit, XXXX reports an ongoing past-due balance. 
This misrepresents the true status of the account and may violate FCRA 1681s-2 ( a ) ( 1 ) ( A ) for knowingly furnishing incomplete or inaccurate data.

Lack of Verification and Reasonable Investigation Under FCRA 1681i ( a ), XXXX  is obligated to conduct a reasonable reinvestigation of any disputed data. 

Their reliance on the furnishers automated systems, without documentary evidence ( e.g., payment ledgers, billing notices ), has been ruled unlawful in multiple federal cases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TILA/Reg Z Notification Violations Self Financial 's communication history lacks proper billing notices and appears to rely solely on vague emails, in conflict with Truth in Lending Act ( 12 CFR Part 1026 ) standards for delinquency notice.

Unverifiable Payment History and Fabricated Delinquency Timeline The account jumps from 30 150 days late without supporting records. No payment ledger has been provided. This creates the appearance of fabricated or auto-generated late marks, in violation of FCRA 1681i and Metro 2 rules requiring accurate delinquency progression reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/year>2017 and a balance of {$0.00}. 
This account is incorrectly reporting that I have 7 late payments. On my Experian report there are 5 late payments being reported.

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 2025-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXXXXXX XXXX XXXX, D.C. XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Subject : Formal Complaint Regarding Ongoing FCRA Violations and Mistreatment by TransUnion, Experian, and Equifax Dear CFPB Representative, I am filing this formal complaint to report unlawful and negligent conduct by all three major consumer reporting agencies TransUnion, Experian, and Equifax in their handling of my credit file. Despite my good faith efforts to resolve multiple inaccuracies through proper channels, these agencies have consistently failed to comply with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

The enclosed dispute letters detail numerous unverifiable, inaccurate, outdated, and incomplete entries currently being reported on my credit file. These include, but are not limited to : Derogatory accounts that exceed the seven-year reporting limit ( FCRA 605 ( a ) ( 5 ) ; 15 U.S.C. 1681c ) Failure to perform a reasonable reinvestigation upon receiving disputes ( FCRA 611 ; 15 U.S.C. 1681i ) Failure to maintain maximum possible accuracy ( FCRA 607 ( b ) ; 15 U.S.C. 1681e ( b ) ) Improper reporting of closed or settled accounts without full context Inconsistent data between bureaus, suggesting inadequate verification practices In addition, I have experienced inconsistent application of dispute rights, unreasonable delays, and a general lack of transparency from the reporting agencies. In some cases, I have reason to believe they are knowingly allowing incorrect or unverified data to remain, despite the absence of proper validation from data furnishers.

I respectfully request that the CFPB : Initiate a formal investigation into TransUnion, Experian, and Equifax regarding their handling of the items Ive disputed.

Enforce compliance with FCRA mandates, including timely deletion of unverified or inaccurate accounts ; Hold these agencies accountable for violations and ensure consumer protections are upheld.

Please find enclosed my supporting documentation, including detailed dispute letters and copies of relevant portions of my credit report. I am prepared to cooperate fully and provide additional evidence if necessary.

Thank you for your time and attention to this matter. I trust the CFPB will take appropriate action to protect consumers from negligent and harmful credit reporting practices. 

Sincerely, XXXX XXXX XXXX Last 4 : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXXXXXX XXXX XXXX, D.C. XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Subject : Formal Complaint Regarding Ongoing FCRA Violations and Mistreatment by TransUnion, Experian, and Equifax Dear CFPB Representative, I am filing this formal complaint to report unlawful and negligent conduct by all three major consumer reporting agencies TransUnion, Experian, and Equifax in their handling of my credit file. Despite my good faith efforts to resolve multiple inaccuracies through proper channels, these agencies have consistently failed to comply with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

The enclosed dispute letters detail numerous unverifiable, inaccurate, outdated, and incomplete entries currently being reported on my credit file. These include, but are not limited to : Derogatory accounts that exceed the seven-year reporting limit ( FCRA 605 ( a ) ( 5 ) ; 15 U.S.C. 1681c ) Failure to perform a reasonable reinvestigation upon receiving disputes ( FCRA 611 ; 15 U.S.C. 1681i ) Failure to maintain maximum possible accuracy ( FCRA 607 ( b ) ; 15 U.S.C. 1681e ( b ) ) Improper reporting of closed or settled accounts without full context Inconsistent data between bureaus, suggesting inadequate verification practices In addition, I have experienced inconsistent application of dispute rights, unreasonable delays, and a general lack of transparency from the reporting agencies. In some cases, I have reason to believe they are knowingly allowing incorrect or unverified data to remain, despite the absence of proper validation from data furnishers.

I respectfully request that the CFPB : Initiate a formal investigation into TransUnion, Experian, and Equifax regarding their handling of the items Ive disputed.

Enforce compliance with FCRA mandates, including timely deletion of unverified or inaccurate accounts ; Hold these agencies accountable for violations and ensure consumer protections are upheld.

Please find enclosed my supporting documentation, including detailed dispute letters and copies of relevant portions of my credit report. I am prepared to cooperate fully and provide additional evidence if necessary.

Thank you for your time and attention to this matter. I trust the CFPB will take appropriate action to protect consumers from negligent and harmful credit reporting practices. 

Sincerely, XXXX XXXX XXXX Last 4 : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : 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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX  - Account Number 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

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 2025-07-30 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: TX

Complaint narrative:
XXXX XXXX Installment account with account XXXX XXXX  opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 9 late payments. On my XXXX report there are XXXX late payments being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have written many letters throughout a 3 year period including ID theft affidavits regarding the inaccurate and unverifiable negative closed accounts including the public records on my Experian credit report. 
Each time before the 30 days have cleared, they respond as accounts verified. 
I have requested for them to show their method of verification and they only respond as accounts verified. 
These inaccurate and incorrect negative accounts and public records, continues to harm me and my family. 
I have attached a dispute letter. Please note : that under patterns of non-compliance it reads as the XXXX has failed to conduct lawful investigations. This was meant to read as Experian but i am unable to revise this since it was already uploaded. 
Thank you.

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 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I signed up for a financing agreement for an XXXX XXXX XXXX via XXXX on XX/XX/year>. I paid for overnight shipping, and paid a total of XXXX with the sales tax included. The phone, which should have been delivered by XXXX never was. Through the XXXX  it showed multiple failed attempt at delivery- which was likely due to the fact they couldnt get in to my apartment building without a key code or my phone number which they didnt have. I called XXXX multiple times to fix this, first asking that they pass my number or delivery instructions along and then eventually that they cancel my order seeing as it had been XXXX weeks and I had gone ahead and gotten another phone from a third party. The XXXX tracking said returning to sender then, and when I called XXXX, they assured me that the finance plan will be cancelled and XXXX be refunded any money paid as soon as they get the device back. The XXXX XXXX  eventually shows the device was lost in transit, and I once again called to notify them that this was the case and their lost phone wasnt my concern or responsibility. A year later, after XXXX communication from XXXX where I was under the impression the plan had been cancelled, I was sent off to debt collection for {$900.00} for the unpaid balance that was supposedly due. Both the debt collection agency and XXXX XXXX XXXX unable to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In the case of the collection account in reference being collected by LVNV FUNDING LLC in the amount of {$1800.00} ; judgement on XX/XX/XXXX ; there was a court ordered fee waiver in XX/XX/XXXX, in court with the LVNV Funding LLC 's attorney ( s ) present. 
waived fees. 
Despite this waiver, Defendant sought and obtained a garnishment order that included those previously waived fees, resulting in a garnishment amount of {$2100.00} rather than $ XXXXOn or about XX/XX/XXXX ; The debt collector obtained a garnishment order in Illinois that included court fees previously waived by a fee waiver under XXXX XXXX XXXX LVNV garnished more than the lawful debt amount. This misrepresents the debt and violates the FDCPA ( 15 U.S.C. 1692e and 1692f ). Having been present in court on the day the fee waiver was ordered, LVNV FUNDING LLC knowingly misrepresenting the amount of the debt to the court and my employer. The representing attorney failed to represent on the wage garnishment sent to my employer in the amount of life {$2100.00} on XXXX XXXX. Furthermore, additional misrepresentation of the correct amount of the debt owed can be found on additional documents related to this collection case for two seperate amounts of {$2200.00} and {$2200.00}. All amounts above the initial debt of each {$1800.00} is in excess and is illegally being collected by garnishment of wages with disregard to the ordered. 
These actions caused emotional distress, risk of loss of income due to excessive garnishment. amount of the debt. LVNV FUNDING, LLC violated 15 U.S.C. 1692e ( 2 ) ( A ) by falsely representing the amount of the debt. LVNV FUNDING, LLC violated 15 U.S.C. 1692f ( 1 ) by attempting to collect an amount not authorized by law or agreement.

Company response to consumer: Closed with explanation