vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies in my personal identification data reported by the XXXX XXXX XXXX XXXX. These errors are causing significant harm to my credit profile and personal integrity. As protected under the Fair Credit Reporting Act ( FCRA ), I request your urgent intervention. Upon reviewing my three-bureau credit report, I found that various elements of my personal information are reported inaccurately or inconsistently across the bureaus, violating the Metro 2 reporting format and FCRA Section 602 ( A ), which mandates maximum possible accuracy. These discrepancies include, but are not limited to : Misreported names or name variations Errors in my date of birth or Social Security number Incorrect or outdated addresses not associated with me Personal information possibly linked to someone else entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN 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. EQUIFAX EXPERIAN 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by Jefferson Capital Systems LLC, who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). Despite my timely and certified request for validation under FDCPA 809, the collector either : Failed to provide full chain of assignment or legal ownership, Sent only generic billing statements or screenshots not tied to my identity, Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as '' disputed '', violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I am submitting this complaint because Equifax is continuing to report a collection account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX, balance {$1100.00} ) that has already been deleted by XXXX  and XXXX following their investigations. 
I disputed this account with Equifax, but they responded stating it was verified as accurate and updated my report. However, they have not provided any evidence to substantiate this alleged debt, nor have they explained why their findings differ from the other two nationwide credit reporting agencies.

This creates an inconsistency in my credit history and constitutes inaccurate and incomplete reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

2. Details of My Dispute With Equifax : I disputed the XXXXXXXX XXXX collection account with Equifax.

Equifax

responded that the account was verified as accurate.

Both XXXX XXXX XXXX deleted this same account after their investigations.

Equifax has failed to provide the method of verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Relief Requested : I respectfully request that the CFPB compel Equifax to : 1 Provide documented verification, including the original signed contract, chain of title, and proof of assignment of the alleged debt ; or 2 Delete the XXXX XXXX  collection account from my credit report, as it is unverifiable and inconsistent with other credit bureau reporting.

Additionally, I request that Equifax be monitored for compliance to ensure they are not willfully or negligently furnishing inaccurate information in violation of FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/year>XXXX XXXX  issued investigation results indicating that a {$630.00} collection account from NTL Recovery Agency ( Acct. # XXXX XXXX XXXX XXXX XXXX  ) was verified as accurate. I disputed this account as inaccurate and unverifiable, and I requested validation directly from both XXXX  and NTL Recovery.

To date, neither company has provided documentation proving that I owe this debt. TransUnion has not provided the method of verification required under FCRA 611 ( a ) ( 7 ), nor original documentation as required for a reasonable reinvestigation under FCRA 611 ( a ). 

NTL Recovery has not produced validation as required by FDCPA 809 ( b ), yet continues to furnish this account to TransUnion. Furnishing unvalidated information violates FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ) ( A ).

This account remains on my credit file despite being unverified, incomplete, and misleading.

Requested Resolution : Permanent deletion of the NTL Recovery collection account from my XXXX credit file. 

Written confirmation that the account has been deleted. 

Assurance that no further collection or reporting will occur unless and until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account was originally with XXXX XXXX, but was later sold/ transferred to Regionalac . The reported late payments occurred during or after the transfer of ownership, and I do not believe these late payments are accurate or valid. 

Because the account ownership changed hands, it is unclear which company was responsible for billing, communication, and payment processing during the transition. I was not provided with proper notification or billing statements from the new company at the time of transfer, and therefore I dispute the legitimacy of these reported late payments. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Investigate this matter with both the original and new creditor.

2. Provide documentation verifying the accuracy of the reported late payments.

3. Remove or correct the inaccurate late payment

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 2025-09-03 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: Central Portfolio Control Inc.
State: WI

Complaint narrative:
XXXX reports that an account purportedly with Central Portfolio Control ( " Central '' ) is unpaid and delinquent as of XXXX. The original creditor, XXXX XXXX, is being paid pursuant to a negotiated settlement through a debt resolution program with XXXX XXXX as of XX/XX/year>. I attempted to dispute the alleged debt to Central with XXXX but was unsuccessful. I also called Central and left a detailed message ; this call was not returned. In sum, I owe Central nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
I submitted a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate entries on my credit report, including : A closed account ( XXXX XXXX  ) still showing a balance and a late payment ; A charge-off ( XXXX XXXXXXXX XXXX ) reported with a {$0.00} balance ; A collection account ( XXXX XXXX for XXXX XXXX ) with a high balance that may be inaccurately reported or unverifiable ; An unauthorized inquiry from XXXX on XX/XX/year> that I did not authorize. 
Despite submitting the dispute and providing sufficient identifying information, the credit bureau ( s ) failed to provide a reasonable reinvestigation or verification of the disputed information. The items remain on my credit report without any clarification, deletion, or supporting evidence from the data furnishers. This is a direct violation of my rights under FCRA 611 and potentially FCRA 1681e ( b ), which mandates that only accurate, verifiable information be maintained in a consumers file.

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 2025-09-03 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: MI

Complaint narrative:
I submitted a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate entries on my credit report, including : A closed account ( XXXX XXXX  ) still showing a balance and a late payment ; A charge-off ( XXXX XXXXXXXX XXXX ) reported with a {$0.00} balance ; A collection account ( XXXX XXXX for XXXX XXXX ) with a high balance that may be inaccurately reported or unverifiable ; An unauthorized inquiry from XXXX on XX/XX/year> that I did not authorize. 
Despite submitting the dispute and providing sufficient identifying information, the credit bureau ( s ) failed to provide a reasonable reinvestigation or verification of the disputed information. The items remain on my credit report without any clarification, deletion, or supporting evidence from the data furnishers. This is a direct violation of my rights under FCRA 611 and potentially FCRA 1681e ( b ), which mandates that only accurate, verifiable information be maintained in a consumers file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I am extremely frustrated to see that inaccurate accounts are still appearing on my credit report this morning, and I can not understand why. I checked my report as I normally do, only to find these discrepancies suddenly showing up. I even refreshed my browser thinking it might be a simple glitch, but the accounts were still there. This issue is unacceptable, and I need the documents I submitted to be reviewed carefully so this can finally be fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX : Credit card from Barclay 's Bank/Gap opened in person at a XXXX, CA, mall Gap store using my name, date of birth, social security, address, phone number, email address and physical address. {$510.00} was charged. 
XXXX Used card again at the same mall at XXXX XXXX ( they are included in the card ) for an additional {$290.00}. 
XXXX : My credit monitoring bureaus notified me. I called Barclays. They closed the card, and flagged it for fraud. I froze my credit reports. 
XXXX : An additional card was attempted to be opened through XXXX XXXX. It was denied due to my freezing of the card. 
XXXX : Report ID fraud to FTC XXXX : Barclays says I am liable for debts and interest accrued since this card was opened in person. 
XXXX : Call Barclays again, and they flag it for fraud. 
XXXX. Barclays says I am still liable for the fraud since I " opened it in person. '' XXXX : I file a police report with the XXXX XXXX. I fax and send all paperwork to Barclays, including the paperwork I received about the other fraudulent credit card. 
XXXX : Receive another letter saying I am liable for {$790.00} XXXX : FICO score drops XXXX points. 
XXXX : File an official complaint with the CFDB

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 2025-09-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: VA

Complaint narrative:
I started with National debt relief in XX/XX/year> and because they charged hefty fees with not so great settlements I was coerced into switching to another company. Upon finding out the other company lied to me about how the payments would continue uninterrupted I called national debt relief back and asked if I reinstated would I be able to regain my previous settlements because the creditors were willing to let me keep them on my own but because I had XXXX settlements the other company did for me I couldnt afford the higher amount of the web bank account national debt relief settled after judgement for XXXX  % Long story short national debt relief decided to add another XXXX % to the fee they originally collected when I reenrolled the account and has not been able to resettle the account and this is the second month that it will be unpaid. I lowered my deposits for the program just so I can account for the other XXXX settlements setup by the other company and potentially get the creditor to give me another chance before they request the balance in full again. I asked for a breakdown of my fees and payments but received XXXX different sets of accounting records for my XXXX dedicated account and none of it makes sense according to the portal displaying my accounts statuses. I feel I am being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
{$4000.00} was fraudulently taken from our joint account and put into a separate account. TD bank in XXXX XXXX Ny branch manager XXXX was contacted right away. We went in and closed all accounts, opened new separate accounts and told we would have the funds replaced in 5- 10 business days. This was on XX/XX/year>. We call daily had multiple fraud numbers and spoke to the branch manager both on the phone and in person everyday since XX/XX/XXXX. No funds have been returned. Now we have been told we are in investigation with corporate. We are going on day 20 with no funds replaced of the {$4000.00}. Today is XX/XX/year>. We have never been asked for documents. We have never used the XXXXXXXX XXXX that took our money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 dispute this late entry as it inaccurately reflects my payment history. Kindly update my 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 2025-09-03 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: AZ

Complaint narrative:
Subject : Remove the Reinserted Account Immediately Experian is Violating My Rights Dear CFPB, Please help me again. I am very upset because Experian is not following the law. This is my second complaint. I already sent my first one on XX/XX/XXXX, but Experian has not answered me. 

What Happened The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was deleted from my Experian credit report in XX/XX/XXXX after I filed a dispute. 

On XX/XX/XXXX, Experian put it back ( reinserted it ) without telling me and without giving me proof that it was correct. 

This is wrong, unfair, and very serious. 

Even worse, Experian is the only bureau reporting this account. Neither XXXX XXXX XXXX show it. That proves this is inaccurate and it must be removed right away.

Laws Experian is Breaking FCRA 611 ( a ) ( 5 ) ( B ) : They reinserted a deleted account without getting a certification of accuracy.

FCRA 611 ( d ) : They never told me in writing within 5 business days that they reinserted the deleted account.

FCRA 623 ( a ) ( 3 ) : The furnisher never corrected or updated the information before it was put back.

FCRA 607 ( b ) : Experian failed to use proper procedures to make sure the information was accurate before putting it back on my report.

How This Is Hurting Me My credit score went down unfairly. 

I am in the process of buying a home for my family, and this mistake is seriously harming me. 

This reinsertion is blocking my ability to qualify for a mortgage. 

I feel stressed, worried, and emotionally harmed. It is not only hurting my finances, but also my personal life and my peace of mind. 

What I Am Asking For Delete the XXXX XXXX  account immediately from my Experian report. 

Send me written confirmation that it has been removed and will not come back without full legal verification.

Investigate Experians reinsertion practices so this does not happen to anyone else. 

Respect my rights under the FCRA and consider compensation for the financial and personal harm this has caused. 

Conclusion Experian is the only bureau still reporting this account, which makes it even clearer that it is wrong and must be deleted. The law says : if something is wrong, inaccurate, or reported by mistake, it must be deleted. Instead, Experian is ignoring me, harming my credit, and putting my familys dream of homeownership at risk. 

Please act quickly. This is my second complaint, and I need the CFPB to step in and make sure Experian follows the 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
Consumer complaint received 2025-09-03 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: ProCollect, Inc.
State: TX

Complaint narrative:
I've had several issues with this collections company and with their process of verifying debt. Procollect says the debt is valid and I would be provided with the information to show that. Yet the information I get is their initial invoice to said debt, and a letter that says it from the apartment complex with no manager signature. This is after I provided them with documents that clearly show fraud abuse. This time it even pre-dated the collection process! Which was reported without even giving me the chance to dispute the debt!!

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