vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This account is being reported inaccurately and does not meet the accuracy, completeness, or verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically : I have no contractual agreement with the reporting entity. 

Account : {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX original signed agreement or verifiable account statements have been provided to substantiate this debt. 

Under FCRA 611 ( a ), you are required to conduct a reasonable investigation and remove or correct any information that can not be verified within 30 days of receipt of this notice. 

Provide a complete method of verification including the name, address, and telephone number of the furnisher of this information. 

Remove this inaccurate account from my credit report if the furnisher can not produce original, verifiable documentation proving the debt and its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Experian for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which were accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryExperian has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed accounts were not authorized by me and is the result of identity theft, and it legally obligates Experian to block the accounts within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX -Sent Formal Notice that intended to file againsd lawsuit XXXX Sent Bureau Letter XXXX Sent Bureau Letter XX/XX/XXXX Sent Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX Sent Non Compliance XX/XX/XXXX Sent Formal Complaint Regarding FCRA Noncompliance XXXX Sent Re-inserted account XX/XX/XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft. 

These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Experian has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. Experians continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny

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 2025-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Re : Dispute of Duplicate/Erroneous Collection Accounts FCRA This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( 611 ), regarding inaccurate and potentially duplicate collection entries reported by XXXX XXXX XXXX. 

My credit report dated XX/XX/XXXX, shows two separate accounts with similar details : XXXX. XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Balance {$1300.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  These accounts appear to be duplicate, incorrectly reported, or inaccurately balanced. The balances, dates, and statuses are inconsistent, and there is no supporting documentation from the furnisher that these debts are valid, accurate, and belong to me. 

Under FCRA 623 ( a ) ( 1 ), data furnishers must report accurate information, and under 611, you are required to investigate and remove any unverifiable or inaccurate entries. If the furnisher can not provide verified documentation proving the accuracy of these accounts, they must be deleted immediately.

Please conduct a reinvestigation and provide me with the results within the 30-day period required by 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 2025-08-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered some unauthorized hard inquiries on my credit from several companies. I did not apply for credit, nor did I authorize any of these companies access to my credit information. I have no exiting or past relationships with these companies. I have already contacted Experian and Transunion to dispute the inquiries with no resolution. I am requesting that these inquiries be removed from my credit report and that the CFPB investigate theses unauthorized access to my personal financial information. These inquiries are a direct violation of federal laws : FCRA $ 1681B ( c ), FCRA $ 1681i, UCC $ 3-501, UCC $ 1-308

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received a judgment in the mail I called the company to see whats going on and how they can win a Judgment on me from years and years ago I have been in my home since XXXX never stopped working. Paying my taxes every year I have had a XXXX - XXXX Credit score for a lot of years never had any problem buying any new vehicles or credit cards and this judgment pops up. I would like to see what this was for and when. How can a law firm just get a judgment against anyone. I will contact my congressman over this. I want to see what they have against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Subject : Request for Information on Charged-Off Account XXXX To Whom I

t May Concern, I am writing to formally request detailed information about the above-referenced account, which your records indicate was charged off on [ date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and any other applicable state laws, to obtain complete and accurate information about this account. Please provide the following : 1.The date of the last payment made on this account. 2.The date the account first became delinquent leading to the charge-off.


3.A complete payment history, including an itemized accounting of all charges, interest, and fees added to the balance. 4.The amount of the debt at the time of charge-off, and the current balance owed ( if any ). 5.Whether this account has been sold or transferred to another entity, and if so, the name and contact information of the current owner. 6.Documentation, including a copy of the original signed agreement or contract, establishing my obligation to pay this debt.

Please note that until I receive the requested documentation, I dispute the accuracy and completeness of this account as reported to any credit reporting agencies. If you are unable to provide this information, please update my credit report accordingly to reflect the accounts removal or correction.

This request is being sent via Certified Mail, Return Receipt Requested to ensure proof of delivery. Please respond within 30 days of receipt. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-14 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My XXXX XXXX account was transferred to TD Bank, and soon after, my account was locked without any prior notice. I was completely unable to access it to view my balance or make a payment. I repeatedly called customer service, but on many occasions, no one answered. When my calls did go through, I did not receive any meaningful helprepresentatives either transferred me without resolution or ended the call without addressing my issue. I explained clearly that my payment was due and even offered my payment details over the phone, but no payment was processed. 

I have never missed a payment on this account before, and in this case, the payment amount was only around {$20.00}. Despite my efforts to pay, the locked account and the companys lack of assistance resulted in a 30-day late payment being reported to the credit bureaus, which was entirely outside my control. This unfairly damaged my credit history for a very small balance I was ready and willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Credit score went down because of amount owed on CitiBank Exxon/Mobil . Account has been cleared to {$0.00}. Please adjust credit card as such!

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: AL

Complaint narrative:
I was offered a loan through Goodleap financial through my roofing contractor in the amount of {$36000.00}. It was offered with a 1 year 0 % interest rate if paid in full, the due date to pay in full was on XX/XX/XXXX. I initiated a transfer through GoodLeap to withdraw the entire amount due from XXXX on XX/XX/XXXX. The transfer was accepted by XXXX ( I confirmed with them ), but GoodLeap denied the transfer due to them closing the account prior to accepting the funds. 

This caused the payment to be after the due date of XX/XX/XXXX. I was made aware of the error on GoodLeap financials ' end on XX/XX/XXXX. I promptly reprocessed the payment via GoodLeap over the phone as I had done in the past and it was successful on XX/XX/XXXX. Due to the error by GoodLeap they have since charged me the accruing interest that would not have been charged had their system processed the payment as I had contacted them to perform on XX/XX/XXXX. The Outstanding balance due to their error is now {$5600.00}. I have contacted them on 6 separate occasions and have been instructed to NOT pay the remaining balance and the accrued interest would be waived and account closed. It is now XX/XX/XXXX, almost one month to the day that I processed the payment the first time and I have not receive confirmation of the paid off loan or any correspondence from the company. I have three recorded calls confirming the above interactions and have filed a complaint with the state of Alabama banking agency as well as GoodLeaps complaints department with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Re : XXXX XXXXXXXX XXXX XXXXXXXX, and Midland Credit Management I am filing this complaint against XXXX XXXXXXXX, and Midland Credit Management for failure to comply with the Fair Credit Reporting Act ( FCRA ) and CFPB regulations regarding my disputes. 
I submitted disputes to XXXX concerning accounts reported by XXXX and Midland Credit Management.

My disputes specifically request

ed : 1. A complete chain of assignment from the original creditor to the current debt owner. 2. A copy of the original signed contract ( 'wet ink signature ' ). 
3. Full validation of the debt, including an itemized statement of charges.

Despite these requests, XXXX did not provide any documentation or proof as required by FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ). Instead, they issued a generic response stating the accounts were 'verified as accurate ' without supporting evidence.

This constitutes : - Failure to properly investigate under FCRA 611. 
- Failure to provide validation and documentation as requested. 
- Willful noncompliance with my rights as a consumer. 
The continued reporting of unverified and disputed accounts is damaging my creditworthiness and violates my rights under the FCRA and CFPB enforcement rules. 
Requested Resolution : 1. Immediate deletion of the disputed XXXX and Midland Credit Management accounts from my credit report. 
2. Provision of the documentation originally requested or cessation of reporting.

3. CFPB investigation and enforcement action against the parties involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
This was removed a couple of months ago now it's back on my credit report but with another collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Account in Dispute : Furnisher : XXXX XXXX XXXX Original Creditor : Progressive Account XXXX XXXX XXXXXXXX Balance Reported : {$470.00} Reason for Dispute : The above-referenced account is being reported inaccurately and incompletely, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Specific Issues : 1. Missing Date of First Delinquency ( DOFD ) This is a required field for all collection accounts under Metro 2 guidelines for accurate obsolescence tracking.

2. Incomplete Payment History The payment history shows only XXXX months ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) and omits the prior months, resulting in an incomplete file.

3. No Contractual Relationship with Furnisher I have never signed an agreement with XXXX XXXX XXXX ; they have not provided proof of legal right to collect or report.

4. No Proof of Assignment There is no documentation showing that XXXX legally assigned or transferred this alleged debt to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. The credit reporting agencies also did not have my written permissible purpose to furnish any of this information to my consumer report. per FCRA.These fraudulent accounts consist of collections that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. These accounts are 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 
The Fair Credit Reporting Act 15 U.S.C. 1692 protects consumers from unfair and inaccurate credit reporting. This debt collection reported information without my Written consent and proof of DOLA. Delete ASAP

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