vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for continuing to report an account on my credit file that has not been verified within the legally required time frame. 
On XX/XX/year>, I submitted a written debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The company responded with an incomplete billing summary, which did not include : 1. A copy of the original contract or agreement that initiated this debt, with my signature.

2. A copy of the flow agreement or servicing agreement between all entities that have handled or are handling this debt.

3. The bill of sale, assignment, or transfer agreement that proves XXXX XXXX XXXX XXXX XXXX has legal standing to collect on this debt. 
4. A complete chain of title, documenting every transfer of ownership or assignment from the original creditor to your company.

5. A copy of the purchase agreement for this debt, if applicable.

6. Proof that the debt has not been securitized, or if it has, full disclosure of its securitization details and your legal standing to collect.

7. A detailed list of all payments, including dates, amounts, and how each payment was applied.

8. Documentation confirming whether any insurance claim or guarantee was made or paid out related to this debt.

9. Any written agreement showing I agreed to pay this specific creditor or debt This response does not meet federal validation requirements. In addition, I submitted disputes with the credit bureaus, and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), they were required to verify or delete the item within 30 days. It has now been over 60 days, and the item remains on my credit report.

I have made multiple attempts to resolve this issue and provided sufficient time to respond. The failure to validate or remove the tradeline is a clear violation of my consumer rights. 
I am demanding that XXXX XXXX XXXX XXXX XXXX XXXX immediately delete the account from all credit bureaus, and that the CFPB hold them accountable for non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am filing this complaint regarding a student loan account reported by DEPT OF EDUCATIONXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX that is appearing only on my Experian credit report, while XXXX  and XXXX  are not reporting this account at all. 

This discrepancy raises concerns about the accuracy and consistency of the information being furnished and reported. I have not received any explanation as to why only Experian is showing this account or whether the information has been verified and validated by the furnisher in accordance with the Fair Credit Reporting Act ( FCRA ). 

This inconsistent reporting creates confusion and negatively affects the integrity of my credit profile, and I believe it warrants investigation and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a late payment being reported by Kikoff Lender to the credit bureaus. I believe this reporting is either inaccurate, unverifiable, or misleading, and as such, I am requesting a full investigation into this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) and 611, any information furnished to credit reporting agencies must be accurate, complete, and verifiable. Kikoff Lender has failed to provide sufficient proof or documentation that justifies this negative item, despite my previous attempts to communicate with them directly.

As a consumer, I have the right to dispute inaccurate information that is negatively impacting my credit profile. I am respectfully requesting that the CFPB initiate an investigation into Kikoff Lenders reporting practices, and ensure that if the account can not be properly verified, the negative late payment be immediately removed from all credit reporting agencies.

I have attached a copy of my government-issued ID, relevant screenshots from my credit report showing the derogatory remark, and any communication Ive had with Kikoff ( if applicable ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains information that I believe is inaccurate and unverifiable. I previously submitted a dispute to [ Experian / TransUnion / Equifax ] about the following account : The credit bureau responded that the account was " verified, '' but they did not explain how it was verified or provide any proof. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) help me get answers to the following : 1. Who was contacted to verify the account?

2. What company or data furnisher provided the verification?

3. What documents were used to confirm the information?

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation, and I believe the bureau has not fully met that obligation.

I have included copies of my ID, proof of address, and previous dispute communications to support this complaint. I am requesting a full investigation, and I would like this account removed if it can not be properly verified with evidence.

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 2025-07-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gross Polowy LLC
State: NJ

Complaint narrative:
I am filing this complaint against Gross Polowy LLC because the firm has engaged in improper and conflicting conduct in connection with my mortgage account. Gross Polowy is currently representing XXXX XXXXXXXX XXXX  as litigation counsel in an active federal lawsuit that I filed in the District of New Jersey XXXX XXXX ). While that case is pending, the same firm has simultaneously acted as a debt collector by attempting to collect on the same disputed debt. This creates a direct conflict of interest and raises serious ethical and legal concerns under the Fair Debt Collection Practices Act. I have issued multiple cease-and-desist notices to Gross Polowy regarding this account and have made clear that I will not communicate with them outside of the federal court process. Despite these notices, their XX/XX/XXXX letter was an attempt to exert pressure and circumvent the judicial process. XXXX and its counsel Gross Polowy have attempted to evade consumer protections by issuing a foreclosure referral and debt collection letters from their New York office, despite the fact that the property, the loan, and the litigation are in New Jersey. This tactic does not alter the legal requirements imposed by RESPA, the FDCPA, or New Jerseys Fair Foreclosure Act.I am requesting that the CFPB investigate Gross Polowys conduct and the dual role they are playing as both litigation counsel and debt collector, which I believe violates federal law and undermines borrower protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
Balance & Charge-Off Amount Inconsistencies The account is marked charged off while still showing a past-due balance of {$6500.00}, which is contradictory. Once charged off, an account should not reflect an ongoing past-due status. 

XXXX XXXX XXXX The same account is marked XXXX across multiple months and years, which may constitute re-aging a direct violation of FCRA and Metro 2 standards.

Lack of Original Creditor Information The account lists Original Creditor : - which violates FCRA 623 ( a ) ( 5 ) requiring accurate and complete creditor data.

Credit Law References FCRA 611 ( 15 U.S.C. 1681i ) Grants me the right to dispute inaccurate information and requires the credit bureau to investigate and remove unverifiable or incorrect data. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report original creditor details. 

Case Law Supporting My Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus have a duty to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bureaus can be held liable for failing to remove or correct inaccurate information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirms that consumers have the right to dispute credit entries and require investigations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Found that inaccurate charge-off reporting can cause reputational and financial harm if not corrected.

Metro 2 Violation According to the Metro 2 Credit Reporting Resource Guide ( CRRG ) the industry standard used by Experian, XXXX XXXX XXXX for reporting credit data : Once an account is charged off, it should not continue to report as past due each month. 

Multiple XXXX  notations after the charge-off date constitute inaccurate reporting and can create the appearance of new delinquencies, which is expressly prohibited under Metro 2 guidelines.

Status codes must accurately reflect the final disposition of the account if the account is charged off, only the original charge-off month should be reflected, not rolling charge-off codes across years.

Failure to comply with Metro 2 standards results in inaccurate and misleading reporting, violating FCRA 607 ( b ) and exposing the credit bureaus and furnishers to liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
Balance & Charge-Off Amount Inconsistencies The account is marked charged off while still showing a past-due balance of {$6500.00}, which is contradictory. Once charged off, an account should not reflect an ongoing past-due status. 

XXXX XXXX XXXX The same account is marked XXXX across multiple months and years, which may constitute re-aging a direct violation of FCRA and Metro 2 standards. 

Lack of Original Creditor Information The account lists Original Creditor : - which violates FCRA 623 ( a ) ( 5 ) requiring accurate and complete creditor data.

Credit Law References FCRA 611 ( 15 U.S.C. 1681i ) Grants me the right to dispute inaccurate information and requires the credit bureau to investigate and remove unverifiable or incorrect data.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report original creditor details.

Case Law Supporting My Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus have a duty to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureaus can be held liable for failing to remove or correct inaccurate information. 

XXXX v. Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirms that consumers have the right to dispute credit entries and require investigations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Found that inaccurate charge-off reporting can cause reputational and financial harm if not corrected.

Metro 2 Violation According to the Metro 2 Credit Reporting Resource Guide ( CRRG ) the industry standard used by XXXX, Equifax, and XXXX for reporting credit data : Once an account is charged off, it should not continue to report as past due each month. 

Multiple XXXX  notations after the charge-off date constitute inaccurate reporting and can create the appearance of new delinquencies, which is expressly prohibited under Metro 2 guidelines. 

Status codes must accurately reflect the final disposition of the account if the account is charged off, only the original charge-off month should be reflected, not rolling charge-off codes across years.

Failure to comply with Metro 2 standards results in inaccurate and misleading reporting, violating FCRA 607 ( b ) and exposing the credit bureaus and furnishers to liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
Balance & Charge-Off Amount Inconsistencies The account is marked charged off while still showing a past-due balance of {$6500.00}, which is contradictory. Once charged off, an account should not reflect an ongoing past-due status. 

XXXX XXXX XXXX The same account is marked XXXX across multiple months and years, which may constitute re-aging a direct violation of FCRA and Metro 2 standards.

Lack of Original Creditor Information The account lists Original Creditor : - which violates FCRA 623 ( a ) ( 5 ) requiring accurate and complete creditor data.

Credit Law References FCRA 611 ( 15 U.S.C. 1681i ) Grants me the right to dispute inaccurate information and requires the credit bureau to investigate and remove unverifiable or incorrect data.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report original creditor details. 

Case Law Supporting My Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus have a duty to ensure the accuracy of reported information. 

XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureaus can be held liable for failing to remove or correct inaccurate information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirms that consumers have the right to dispute credit entries and require investigations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Found that inaccurate charge-off reporting can cause reputational and financial harm if not corrected.

Metro 2 Violation According to the Metro 2 Credit Reporting Resource Guide ( CRRG ) the industry standard used by XXXX XXXX and TransUnion for reporting credit data : Once an account is charged off, it should not continue to report as past due each month. 

Multiple XXXX  notations after the charge-off date constitute inaccurate reporting and can create the appearance of new delinquencies, which is expressly prohibited under Metro 2 guidelines. 

Status codes must accurately reflect the final disposition of the account if the account is charged off, only the original charge-off month should be reflected, not rolling charge-off codes across years.

Failure to comply with Metro 2 standards results in inaccurate and misleading reporting, violating FCRA 607 ( b ) and exposing the credit bureaus and furnishers to liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX tradeline appearing on my credit reports. This account is fraudulent and does not belong to me. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX Ownership Resorts Account Type : Mortgage ( incorrectly classified ) Date Opened : XX/XX/XXXXXXXX  ( per XX/XX/XXXXXXXX  Equifax report ) Status : Closed with multiple late payments after initial dispute I have never owned a mortgage, real estate, or timeshare with XXXX XXXX XXXX. My only similar account was a XXXX timeshare, which was later closed and removed. 
Importantly : My XX/XX/XXXX credit report shows a XXXX tradeline with incorrect account information, which further supports the inaccuracy and confusion leading to this fraudulent XXXX tradeline. 
My XX/XX/XXXX credit report clearly shows no XXXX tradeline present. 
My XX/XX/XXXX credit report now shows the disputed XXXX tradeline closed but with multiple late payments. 

I included a copy of the following documents in support of my request to remove this tradeline form Experian and Equifax but it still persist. It was successfully removed from XXXX. 

I am seeking your help because I believe this is an act of racism and disenfranchisement in an attempt to unjustly impact my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Several accounts listed on my report are inconsistent, unverifiable, or completely erroneous. These include incorrect balances, missing payment histories, and information sourced from third-party data providers instead of directly from the original creditors. XXXX such example is the XXXX account, which has been erroneously placed under my name. 

Additionally, an account was placed under my name erroneously. Since then, you have damaged my name and my credit. Your company has entered derogatory information into my credit file. I am requesting the account to be deleted from your company records and the XXXX major credit bureaus under the provisions of 15 USC 1681i of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 1692G of the fair credit reporting act. As well as 15 USC 1681i ( a ) 1 15 USC 1681a ( 6 ) B 3 as well as other subsections on the 15 USC 1681. XXXX XXXX XXXX do not own this debt and has provided misinformation to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing a formal complaint against Sunrise Credit Services for furnishing inaccurate and fraudulent information, and against XXXX  and any CRA currently displaying this account, for allowing this inaccurate data to remain despite clear evidence it is not mine. Sunrise Credit Services is reporting a collection account on behalf of XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX nor did I authorize anyone to open one in my name. My personal information was compromised in the well-documented XXXX  data breach, which placed me at risk of identity theft. I have notified the original creditor XXXX XXXX XXXX XXXX ) that the account is fraudulent. Yet, Sunrise Credit Services is still reporting this collection on my credit report, and the credit reporting agencies have not removed it after disputes. 

This is a direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should reasonably know is inaccurate.

FCRA 609 ( a ) ( 1 ) : Grants me the right to request all information in my file and the sources used to verify it.

FCRA 611 ( a ) : Requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information.

I have never received any original documentation to verify this account, despite requesting it. This failure to provide proper validation also constitutes noncompliance under the FDCPA if Sunrise is acting as a debt collector.

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