vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Affirm for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with the handling and reporting of a charge-off account appearing on my credit report.

Account Information : * Creditor Name : XXXX  * Account Number ( Last 4 Digits ) : XXXX XXXX Date of Charge-Off : XX/XX/XXXX * Reported Balance : {$6600.00} After reviewing my credit report and corresponding documentation, I found that XXXX  has continued to report or verify inaccurate, misleading, and incomplete information to consumer reporting agencies in violation of federal law.

Specifically, I allege the following violations : 1. 15 U.S.C. 1692e Prohibition of false, deceptive, or misleading representations.The agency has misrepresented the legal status of the alleged debt by reporting it as charged off and due, despite it being [ paid, settled, disputed, or otherwise invalid ].

2. 15 U.S.C. 1692f Unfair or unconscionable means to collect or attempt to collect a debt.Reporting and verifying an inaccurate or invalid account with the intent to damage my credit standing constitutes an unfair practice.

3. 15 U.S.C. 1692g Failure to provide proper debt validation.Despite my written request for validation of this alleged debt on [ Date of Request ], the agency failed to provide adequate verification, yet continues to report and collect on this account.

Additionally, by continuing to report inaccurate information and failing to investigate or correct these errors, XXXX is in violation of : * 15 U.S.C. 1681s-2 ( b ) under the FCRA, which requires furnishers of information to conduct proper investigations and correct inaccuracies after receiving notice of dispute.

I have attempted to resolve this matter directly with XXXX through written correspondence on XX/XX/XXXX, but they have failed to provide any satisfactory resolution or documentation. Copies of my communications and credit report entries are attached for reference. 
I am requesting that the CFPB investigate this matter and take enforcement action to ensure that XXXX and other third party companies permanently deletes this inaccurate charge-off account from all consumer reporting agencies ( Experian, Equifax, and TransUnion ) within 10 calendar days of receiving this notice.

I trust the CFPB will take appropriate steps to address these ongoing violations and hold XXXX and other third party companies accountable for noncompliance with federal consumer protection laws. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Earlier in the year I had set up XXXX Bank of America XXXX XXXX XXXX XXXX pay for full balance monthly. It appears that due to a technical glitch on BofAs end only XXXX of the cards was set up properly. They reported the account ending in XXXX as XXXX  days late. This resulted in a big hit to my XXXX XXXX. It is not possible that I would have only set up XXXX account and not the other for auto pay. They were both done on the same date. 
I have filed disputes with Transunion and Experian yo no avail. This must be corrected

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 2025-10-30 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: RI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), only accurate and factual information may be reported. The accounts detailed in my attached letter contain inaccuracies that have negatively impacted me, and I request their immediate removal to address this violation.

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 2025-10-30 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wallace Management Company, LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/2025, my XXXX XXXX XXXX son required a bank account to deposit his work checks. He and I opened a joint checking account at Huntington Bank. Several days after visiting the branch and depositing cash into the new account, we received our ATM cards. As I tried to set up and verify the card online, I learned Huntington had suspended my access and account. I went to the branch XXXX additional times to have the suspension finally lifted. 

XXXX weeks ago, I received an alert that the Huntington account had a low account balance. Since my son uses the account to pay for gas to/from school, I attempted to deposit {$40.00} into our joint account. I wanted to transfer {$40.00} from my personal XXXX XXXX  account to my joint Huntington Bank account. The next day, I learned, via text and email, that the transfer was cancelled and my Huntington account was yet again suspended. In XXXX months time, my Huntington Bank has been suspended twice. 

I have called Huntington twice now about the latest suspension. I was informed both times the {$40.00} transaction from my XXXX XXXX  account to my Huntington account appeared suspicious. I related I was the owner of both accounts. I was further told the only way to lift the suspension was for me to bring my XXXX XXXX  account statements to Huntington Bank. In other words, I need to verify my XXXX XXXX  account in order to use my Huntington Bank account. This is nonsensical. The very small {$40.00} transfer was denied. My son and my account is currently suspended and unusable. I am at a loss why Huntington Bank wants me to verify, prove, and produce account statements evidencing I have a bank account at a different bank ( XXXX XXXX  ) in order to be able to bank at Huntington Bank. 

Something is wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - XXXX XXXX  XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX  XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MD

Complaint narrative:
I am requesting assistance regarding inaccurate and XXXX credit reporting by Edfinancial Services related to my federal student loans. At the time the late payments were reported, I was under the reasonable understanding that my repayment period would begin XXXX year after my graduation date. XXXX communicated that repayment would begin the new year, but never clarified that this referred to the calendar new year ( XXXX ) rather than the new school year, which is the standard academic reference point for students. This unclear communication directly contributed to the misunderstanding. 

I did not receive any notices or communication indicating that repayment had begun or that my account was past due. Once I logged into my account and realized repayment had been expected earlier than I believed, I immediately paid the balance in full. There was never any intent to avoid payment. 

Despite this, XXXX reported XXXX separate loan tradelines as delinquent, significantly damaging my XXXX XXXX. I submitted a goodwill request explaining the circumstances, but the request was denied. 

The negative credit reporting does not accurately reflect my payment behavior and is the direct result of unclear and insufficient repayment start communication. I am requesting that XXXX retroactively apply a general forbearance or appropriate deferment to the affected period, update the credit bureaus accordingly, and remove the delinquency reporting from my credit file. I am also requesting that the CFPB evaluate whether servicer communication on repayment timing was misleading. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In my previous complaint, I listed TransUnion as the entity that didn't verify XXXX XXXX ( account # XXXX ), chapter XXXX bankruptcy ( XXXX ) ( XXXX ), and ( XXXX ) XXXX XXXX XXXX XXXX ( account XXXX XXXX ) ( XXXX ) and XXXX XXXX account # XXXX owing XXXX XXXX However, Equifax Information Services and Experian failed to properly verify all the accounts listed above. This is the XXXX dispute that has come back verified. XXXX XXXX no-longer owns this account listed above, the account was sold to XXXX XXXX XXXX XXXX The XXXX XXXX account needs to be removed immediately as this account is inaccurate and violation of FCRA. It's illegal to report inaccurate information on my credit report. 15 U.S.C 1681, 15 U.S.C 1582g, 15 U.S.C 1692g ( b ). XXXX. Chapter XXXX bankruptcy ( XXXX ), ( XXXX ), and ( XXXX ) XXXX was not accurately verified as courts does NOT report, nor verify bankruptcies. This is also false statement, illegal reporting and inaccurate information added to my credit report. It's been past XXXX  days since my original dispute, therefore this account needs to be removed immediately from my report by ALL three bureaus Equifax, Experian and TransUnion. Chapter XXXX account ( XXXX ) by Equifax, was not accurately verified and needs to be removed immediately from my report. XXXX XXXX XXXX ( account # XXXX, XXXX ), this account was not accurately verified as XXXX XXXX XXXX failed to properly validate the account. Inaccurate information on my credit report is illegal and shouldn't be reported. XXXX XXXX ( account # XXXX ) isn't properly verified as this XXXX account was placed in chapter XXXX bankruptcy and XXXX on XX/XX/year>. Nowhere on my credit report does " included in bankruptcy " appear with this XXXX account. This is false reporting and inaccurate information. Pleased remove the account from my report. Per FCRA 15 U.S.C 1692, 15 U.S.C 1692g ( b ), 15 U.S.C 1691.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
XX/XX/year> MUTUAL MANAGEMENT SRVC I'm writing to report abuse of power of this company. This company has called and threatened me and my family about amounts i do not owe this company. they have called my family and have called me names. This company have asked my family for money and have threatened to put them in jail.This company is very rude. I have never signed any form of contract with this company, at this point it is harassment which i will be seeking compensation if the harassment doesn't stop. I want the account immediately removed from my credit report. According to law 605 ( b ) fcra states it is illegal to report information on my credit without my permission. As well as pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISITS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER.HAVE FIRSTHAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair debt collection practices act, you are required to cease al collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX XXXX XXXX. I hereby inform you that you do not have my consent to communicate with me through any means. Furthermore, I did not CONSENT TO you having my personal and private information. This constitutes aggravated identity theft. Also i DID NOT consent to you reporting information in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation