vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute a collection account being reported by National Credit Systems ( also listed as National Credit System ) on my credit file. I am not responsible for this debt, and I am requesting that this account be thoroughly investigated and removed from my credit report as it contains inaccuracies, inconsistencies, and unverifiable information. 

Disputed Account Details : Collection Agency Name : National Credit Systems Also Known As : National Credit System Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Type of Account : Collection Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Current Balance : {$930.00} Status : Collection account ( as of XX/XX/XXXXXXXX  ) Scheduled to Remain Until : XX/XX/XXXXXXXX  Reason for Dispute : I am not responsible for this debt. I have no knowledge of this account and have never received any legitimate documentation validating that I owe this amount or that I have any contractual obligation to the original creditor. 
There are reporting inconsistencies. The account shows an unchanged balance of {$930.00} from the original amount, which raises questions about the accuracy of the reported collection activity and whether any efforts were actually made to resolve the debt. Additionally : The account reflects a long history of monthly C ( collection ) status reporting from XXXX  through XXXX, despite the fact that the balance remains static and no payments or adjustments are recorded. 
The payment history includes months labeled ND ( No Data ) and ( No information ), which is inconsistent and fails to provide a complete or accurate record. 
The Date Opened is shown as XX/XX/XXXX, but the status was last updated in XX/XX/XXXX, which suggests no updated collection activity, contrary to the continuous collection status reported over the years. 
Incomplete and unverifiable reporting. The reporting agency has failed to provide supporting documentation or a clear chain of assignment from the original creditor to the debt collector. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to report only accurate and verifiable data. I am requesting that the CFPB assist in having this entry fully investigated. If National Credit Systems is unable to provide verifiable evidence that this debt is accurate and legally mine, I respectfully request that this account be permanently removed from my credit report.

I have attached a copy of my credit report with the disputed account clearly highlighted. 

Thank you for your time and attention. Please let me know if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
Transunion and Experian are reporting inaccurate information from a number of debt collectors who failed to properly validate the alleged debt, whether the own the debt or trying to collect on behalf of of another entity and the amount paid to obtained the debt if it applies.

Some debt collectors only submitted bank statements which are insufficient to verify or validate a debt under the Fair Debt Collections 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Transunion and Experian are reporting inaccurate information from a number of debt collectors who failed to properly validate the alleged debt, whether the own the debt or trying to collect on behalf of of another entity and the amount paid to obtained the debt if it applies.

Some debt collectors only submitted bank statements which are insufficient to verify or validate a debt under the Fair Debt Collections Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.

Block or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.

Conduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.

Provide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.

Cease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.

Implement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and contradictory information for my XXXXXXXX XXXX XXXX account ( Account No. XXXX ). 

Equifaxs reporting does not match the original creditors verified records and is inconsistent with the other credit bureaus. For example, Equifax reports OK for XXXX and XX/XX/XXXX, while both XXXX  and XXXX  report late payments for those same months. Conversely, Equifax reports 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, while the other bureaus report those months as OK. 

Additionally, Equifaxs Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) are outdated and differ by more than six months from the other bureaus records, creating a misleading credit history. These dates do not match the creditors verified records. 

The pattern of late payment reporting appears to involve possible improper re-aging or retroactive coding of delinquencies, which is prohibited under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards. Equifax has also failed to mark the account as in dispute, in violation of FCRA 623 ( a ) ( 3 ).

These inaccuracies violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ). I have already disputed this information directly with Equifax, requesting a full investigation and the Method of Verification, but the errors remain uncorrected.

This inaccurate reporting is harming my credit profile, and I am requesting that the CFPB require Equifax to delete all late payments, correct the key dates, update the account to Current with no inaccurate historical delinquencies, and provide documentation from the original creditor to support their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
My student loans from Mohela were paid in full XX/XX/year>. In fact i overpaid and was issued a refund of XXXXXXXX XXXX XXXX XXXX I have yet to receive this refund. They " cant find it '' " are processing it '' " there was a paperwork error '' etc. I have reported this to them several times sometimes staying on hold for 8 hours. I have called the XXXX  and the attorney general in KY and MO ( my home state and their HQ ). The failed to repond to any of these requests saying " the refund has been processed and I need to wait '' Today they did an " adjustment '' on my account and all of a sudden not only do I still not have a refund I owe them XXXX. This is fraud plain and simple.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
There is an incorrect late payment reported on my XXXX  XXXX XXXX credit card account. The account is open and active, and I have been making timely payments as shown in the attached recent bank statements. This late payment record does not reflect my actual payment history and is damaging my credit unnecessarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
There is an incorrect late payment reported on my XXXX  XXXX XXXX credit card account. The account is open and active, and I have been making timely payments as shown in the attached recent bank statements. This late payment record does not reflect my actual payment history and is damaging my credit unnecessarily.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file.

This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: CO

Complaint narrative:
I purchased some items on XXXX on or around XXXX XXXX for {$220.00} ( Order # XXXX ) with an estimated arrival date of XX/XX/XXXX which was then updated by email from then as XX/XX/XXXX. The item was then considered delayed by the carrier and XXXX emailed me on XX/XX/XXXX to say that. Once XX/XX/XXXX came and went with no delivery, I inquired about my package. They then stated it was delivered on XX/XX/XXXX at XXXX. I saw no package on my door that day and contacted them the next day after I checked my mailbox ( a separated area ). 

When I contacted XXXX, they said to give it 3 days by checking with neighbors or to wait for the package to show up. On XX/XX/XXXX, with no sign of my package and time being of the essence where I needed the goods, I reached out to them. And they stated it was confirmed as delivered by the courier and to reach out to the courier for more info. I contacted ontrac as that was the stated courier, who then told me that it was too old of a date and they could not provide me any information that the package was delivered.

At that time I contacted Key bank to file a dispute since my ring camera picks up the front of my townhome and several houses in the area and there was no deliveries near my home or any other when they stated the delivery occurred.

Key Bank provided me with a provisional credit and I emailed them the recording from that day showing how sensitively the camera picks up a person and the fact that nothing was delivered nor taken away from my door. Key bank never verified that they didn't properly receive the attachment and recharged me because the merchant said they provided a tracking number. 

I have never disputed the fact that a tracking number exist. However, the merchant provided an item to the courier, who then claimed to have delivered it to my home. I have proof, that nothing was delivered at the time that they stated. So I'm not sure i understand why I have to be the one to hold the charge if the courier did not deliver the items on behalf of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than 30 days ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting To : Consumer Financial Protection Bureau I am filing this complaint against TransUnion for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. 

The account in question is reported as follows : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX  Pay Status : Paid, Closed ; was Paid as Agreed Payment History : Reports a 30-day late in XX/XX/XXXXXXXX  This reporting is contradictory and materially misleading. If the accounts pay status is Paid as Agreed, there should be no late payment history attached. Metro 2 guidelines require that the current status accurately reflect the accounts payment performance. Reporting both Paid as Agreed and a late mark creates conflicting data that misrepresents my payment history to potential creditors. 

I previously disputed this with TransUnion, but they verified it without providing any documentation from the original creditor. Under FCRA 611, they are required to verify with the data furnisher and provide evidence upon request. I am requesting the CFPB require TransUnion to : Provide a complete payment ledger from the original creditor for this account, showing the alleged late payment date and posting.

Correct or delete the inaccurate late payment entry if the alleged delinquency can not be fully verified with supporting documentation. 

This inaccurate reporting is damaging my credit standing and is in direct violation of the FCRAs accuracy provisions under section 607 ( b ) and the reinvestigation requirements under section 611.

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 2025-08-09 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for reporting multiple unauthorized credit inquiries on my consumer credit file. I did not authorize these inquiries, nor did I initiate any applications for credit or services with the companies listed below on the corresponding dates.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes, such as when the consumer provides explicit consent or initiates a credit application. None of these inquiries meet that requirement. 

The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have disputed these inquiries directly with Experian, requesting that they : Immediately investigate and remove all unauthorized inquiries.

Provide written confirmation of their removal.

Identify the name, address, and contact information of the entities that initiated them.

As of this filing, Experian has failed to properly investigate or remove the inquiries. This has caused harm to my creditworthiness and violates my rights under the FCRA. 

I am requesting the CFPBs assistance in compelling Experian to comply with the FCRA and correct my 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