vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the continued reporting and verification of a collection account from XXXX XXXX XXXX on my XXXX  credit report. Despite multiple disputes, this account remains on my file even though your reinvestigations continue to rely solely on documentation from the debt buyer and not from the original creditor. 
I NEVER authorized the sale or transfer of this alleged debt to a third-party entity. Under the Fair Credit Keporting Act ( FCRA ), you are legally required to fully investigate disputes, which includes validating the origin, terms, and legality of the account from the original creditor - not just the purchaser of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading reporting on my XXXX  credit file. The account in question is being reported by Midland Credit Management ( Account XXXX. XXXX ), with an alleged balance of {$1100.00}, and an open date of XX/XX/XXXX. 
The following inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Inaccurate Payment History : The account is listed as a collection account, yet XXXX  reports it with ongoing monthly late payments ( C ) from XXXX through XXXX. A collection account should not carry monthly late notations, as it is not an active revolving or installment trade line. This is misleading and misrepresents my credit history. 
Conflicting Dates : The account shows a status updated date of XX/XX/XXXX, yet XXXX  simultaneously reports balance updates through XX/XX/XXXX. This inconsistency suggests XXXX  is reporting false or unverifiable information. 
XXXX XXXX by a Debt Buyer : Midland Credit Management is reporting this debt as if it were a new account. This practice is deceptive because the original creditor, XXXX XXXX XXXX, already charged off this account. The duplication unfairly damages my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus may only report information that is accurate, complete, and verifiable. Because this reporting is inaccurate and misleading, I am demanding the immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws against the following furnishers of information and/or credit reporting agencies that are reporting inaccurate, misleading, and incomplete information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( High Balance : {$0.00} / Date Opened : XX/XX/XXXX ) XXXX XXXXXXXX Acct # XXXX ( High Balance : {$15000.00} / Date Opened : XX/XX/XXXX ) XXXX XXXX Acct # XXXX ( High Balance : {$48000.00} / Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX High Balance : {$0.00} / Date Opened : XX/XX/XXXX ) XXXX XXXX Acct # XXXX ( High Balance : {$3400.00} / Date Opened : XX/XX/XXXX ) Complaint Details : Inaccurate Balances & Reporting XXXX XXXX  XXXX XXXX reporting a high balance of {$0.00} while continuing to keep the account active, which is misleading and damaging. 

XXXX XXXX and XXXX accounts are reporting balances and activity that are either outdated, inaccurate, or unverifiable. 

Failure to Investigate & Verify Under FCRA 609 ( a ), I have the right to request complete verification of any information reported, including signed contracts, account-level details, and legal ownership of the alleged debt. To date, these furnishers and bureaus have failed to provide such proof.

Under FCRA 611, any disputed item must be fully investigated within 30 days. These creditors and reporting agencies have not conducted a proper reinvestigation nor produced documentation validating their reporting. 

Damage to My Consumer Rights These inaccurate and unverifiable accounts are causing substantial harm to my creditworthiness, employment opportunities, and financial stability. 

Continuing to report unverifiable or false data constitutes willful non-compliance under FCRA 616 and 617, which allows for damages.

Requested Relief : Immediate deletion of the above-mentioned accounts from my credit file if the furnishers can not produce full, documented proof of accuracy. 

Written confirmation from CFPB that these furnishers and reporting agencies are being investigated for FCRA and FDCPA violations. 

Compensation for damages resulting from negligent and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax Information Services, LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding XXXX accounts : XXXX XXXX XXXX ( Auto Lease ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has engaged in the following unlawful conduct : Blocking My Right to Dispute : When I attempt to dispute these accounts in the Equifax portal , it shows Dispute Not Available. This prevents me from exercising my statutory right to dispute inaccurate or misleading information under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Failure to Provide Method of Verification ( MOV ) : Despite multiple requests, Equifax has not provided the required Method of Verification under XXXX ( a ) ( XXXX ), meaning they have not shown how the accounts were verified with the furnishers. 

False or Unreasonable Reinvestigation : Equifax continues to verify the accounts without providing supporting documentation, effectively parroting the furnishers response. This violates XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). 

Inaccurate & Misleading Reporting : The XXXX account is listed as Pays As Agreed while also showing late payments a direct contradiction. The XXXX collection is marked as Paid but still reported as derogatory, which is misleading under XXXX ( b ). 

Failure to Follow Reasonable Procedures : Equifax has failed to ensure maximum possible accuracy as required by XXXX ( b ) and continues to report false or contradictory data. 



These actions have damaged my credit, interfered with my financial opportunities, and caused significant frustration. I have attached supporting documents, including screenshots of the Equifax portal showing Dispute Not Available. 



I am requesting the CFPBs assistance to ensure that Equifax : Immediately deletes and permanently blocks the XXXX XXXX XXXX and XXXX collection accounts from my credit report. 

Provides a full explanation and documentation of how these accounts were verified. 

Stops blocking my right to dispute inaccurate information in the future. 



If unresolved, I am prepared to pursue legal action in federal court under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After recently receiving an email from XXXX  notifying me that my personal information had been compromised in a data breach, I am now even more concerned because Equifax also previously notified me that my personal data was exposed in their breach. Since both XXXX  and Equifax have acknowledged breaches of my personal information, it is directly relevant that Experian is now reporting incorrect and fraudulent information on my credit file Becase my personal data was illgeally accessed during the XXXX  and Equifax data breach, and equifax. 

Following these breach notifications, I discovered negative and unauthorized information on my credit reports and immediately contacted Experian, Equifax, and XXXX  to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and are tied to fraudulent activity resulting from the data breaches. 

Despite my efforts, Experian, denied my disputes, asserting that the information had been verified and leaving fraudulent entries, inaccurate addresses, and unauthorized inquiries on my credit reports. This denial has caused me significant distress, negatively impacting my financial stability and mental well-being, as the inaccurate information continues to harm my credit profile. I have faced multiple denials for essential services, including credit applications and other financial opportunities. 
Experian have not fully investigated the potential fraudulent activity linked to the Equifax and XXXX  data breaches, also Experian has blocked me from making online disputes this not only stressful but inconvenient, and I am seeking immediate assistance to correct these errors. I remain committed to resolving this matter and protecting my financial well-being. 

Unauthorized Accounts Listed : Dept of Education XXXX XXXX XXXX : {$2000.00} Date : XX/XX/year> Dept of Education XXXX XXXX XXXX : {$3500.00} Date : XX/XX/year> INCORRECT ADDRESSES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Subject : Unauthorized Credit Card Account and Hard Inquiry Reporting Details of the Complaint : I only completed a pre-qualification for the XXXX XXXX Credit Card. The application screen clearly stated that it was only pre-qualification and would not affect my credit report. However, the bank still performed a hard inquiry and opened a credit card account without my consent. I never confirmed receipt of the card, I did not authorize account opening, and I did not use the account. The very next day, I called the bank to request closure. I also contacted the bank through the PayPal Messaging application and clearly informed them that I had never given consent to open this account. I attached screenshots of this chat to this complaint. In their responses, the PayPal support representative confirmed : That no account should be opened without my consent. That the account was closed. That my request to remove the hard inquiry was forwarded to their internal department. Despite this, the unauthorized hard inquiry remains on my credit report, and the closed account continues to appear, lowering my credit score. 

Requested Resolution : Remove the unauthorized hard inquiry from all three credit bureaus ( XXXX, XXXX, XXXX  ). Remove the closed account from my credit reports, as it was opened in error and without my consent. This situation has harmed my credit history and score despite the fact that I never authorized the account in the first place. 
Thank you for your assistance.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Resurgent-LVNV Funding is attempting to collect a debt is has no legal standing or right to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Company has failed to remove late payments as requested, and has also failed to provide proof of late payments. This has impacted my credit score by lowering, as well as causing significant financial hardship. the issue remains unresolved. I wish to provide additional bank statements with dates of proof with withdrawn payments that were paid to this company as proof for the following XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company has failed to remove late payments as requested, and has also failed to provide proof of late payments. This has impacted my credit score by lowering, as well as causing significant financial hardship. the issue remains unresolved. I wish to provide additional bank statements with dates of proof with withdrawn payments that were paid to this company as proof for the following XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Checking credit report and noticed a hard inquiry from Capital One on XXXX XX/XX/year> Due to previous history with capital one, in which they have continuously had to pay me damages. I have neither requested any services from them nor would I ever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested this account be deleted because it is reporting inaccurate information and has multiple months of charge offs, which is illegal. The reply I received from Experian said it was updated from our processing of your dispute in XX/XX/year>, but no changes were done. 
Additionally, this account is being reported as sold to XXXX XXXX, who is also reporting negatively on my credit. I would like this acct removed.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ briefly state the conduct e.g., unauthorized use of copyrighted material, making defamatory statements, harassment, etc. ].

It has come to my attention that, you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on social media, '' or " used my copyrighted photos without permission on your website '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ].

I demand that you : Immediately stop [ specific conduct ] ; Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand. 

If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of coutry. 
Sincerely, 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 2025-09-06 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: NC

Complaint narrative:
I am disputing the inaccurate late reporting on my XXXX XXXX XXXX account ending in XXXX. 

For XXXX, the Executive Office confirmed that the minimum payment was {$300.00}, which I paid on time. For XXXX, I was later informed by customer service that the minimum due was {$320.00} ( excluding the over-the-limit amount ). However, I was incorrectly told by XXXX XXXX XXXX of the Executive Office that the minimum due was {$660.00}. This conflicting information created confusion about the true amount required to remain current. 

Despite this, my account has now been reported late for XXXX after the XX/XX/XXXX due date but before 30 days of delinquency had passed. Accounts should not be reported late until they are a full 30 days past due. 

I also never received the XXXX billing statement and advised XXXX XXXX of this in email. Instead of resolving the billing issue, I was given incorrect information about my minimum payment. This, combined with my ongoing medical hardship from a XXXX XXXX XXXX ( which I disclosed ), has caused unnecessary harm and stress. 

Furthermore, the timing of this reporting raises concern. I have filed multiple CFPB complaints about billing issues in prior months, but in XXXX, I chose to contact XXXX XXXX directly instead of filing through the CFPB. Shortly after doing so, my account was reported late despite not yet being 30 days delinquent. This sequence of events creates the appearance of retaliatory action. Thank you for your time.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the inaccurate late reporting on my XXXX XXXX XXXX account ending in XXXX. 

For XXXX, the XXXX XXXX confirmed that the minimum payment was {$300.00}, which I paid on time. For XXXX, I was later informed by customer service that the minimum due was {$320.00} ( excluding the over-the-limit amount ). However, I was incorrectly told by XXXX XXXX XXXX of the XXXX XXXX that the minimum due was {$660.00}. This conflicting information created confusion about the true amount required to remain current. 

Despite this, my account has now been reported late for XXXX after the XX/XX/XXXX due date but before 30 days of delinquency had passed. Accounts should not be reported late until they are a full 30 days past due. 

I also never received the XXXX billing statement and advised XXXX XXXX of this in email. Instead of resolving the billing issue, I was given incorrect information about my minimum payment. This, combined with my ongoing medical hardship from a XXXX XXXX XXXX ( which I disclosed ), has caused unnecessary harm and stress. 

Furthermore, the timing of this reporting raises concern. I have filed multiple CFPB complaints about billing issues in prior months, but in XXXX, I chose to contact XXXX XXXX directly instead of filing through the CFPB. Shortly after doing so, my account was reported late despite not yet being 30 days delinquent. This sequence of events creates the appearance of retaliatory action. Thank you for your time.

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