vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Dear Sir or Madam, I am formally disputing inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the XXXX Department of Education. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Inaccuracies Identified XXXX. Balance Reporting Conflict The current balance is reported as {$10000.00}, while the highest balance is listed as {$6000.00}. A current balance can not exceed the highest balance. This inconsistency renders the data inaccurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that credit furnishers must ensure accuracy and can not rely on patently inconsistent data. 
XXXX. Unknown Payment Statuses Several months are reported as Unknown. This constitutes incomplete and misleading reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
In XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court recognized that incomplete or misleading data violates the FCRA just as much as false data. 
XXXX. Derogatory Status Contradiction The account reflects a derogatory status while simultaneously reporting the current status as Current. This contradiction misrepresents my creditworthiness. 
XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) established that technically true information which creates a materially misleading impression violates the FCRA. 



Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( a ), I demand a full and independent investigation of this account. You are required to verify all disputed information with original documentation from the Department of Education. Simply confirming internal system records does not meet your obligations XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). 



Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance. 
Remove all Unknown payment statuses and replace them with verified, accurate data. 
Remove the derogatory designation since the account is simultaneously reported as Current. 

If this information can not be verified with documented evidence, you are required by law to delete the disputed entries from my credit file. 



Notice of Escalation Failure to comply will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Notification to all relevant XXXX XXXX XXXX XXXX XXXX XXXX, and Pursuing all available legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance. 



I expect written confirmation of your investigation results and corrective action within the required XXXX statutory period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they XXXX be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts currently listed on my credit report. I did not open or authorize these accounts, and their inclusion is entirely false and misleading. These entries have caused significant damage to my credit profile and misrepresent my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
To whom this XXXX concern ; My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Attached to this complaint are several INACCURATE accounts that are being reported on my consumer report. Please remove 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 2025-09-18 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: GA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Many years ago I qualified for the very low fee XXXX XXXX XXXX phone service and free phone ( very small, not cellphone ) for people who are XXXX and/or are on XXXX. I agreed to pay the {$10.00} per month. After about 5 years the monthly fee was increased to {$13.00}. Then approximately 4 years ago I decided to go with a different widely trusted, inexpensive company. XXXX XXXX XXXX suddenly said I owed them {$120.00} for excessive wifi usage, which is an outright lie. The also refused to give me the deactivation code I needed to retain my home phone number & kept demanding the {$120.00}. I finally told them I would get an attorney if they didn't comply & that I owed them nothing. It was a lame attempt to get money. I got the code and switched to the provider I am now using. I'm proud to have increased my XXXX XXXX from good to excellent. I was recently notified by my bank that my XXXX XXXX dropped significantly. I have only XXXX more care payments and this could cause me problems should I decide to buy a different car! I called Equifax who explained my credit rating and they recommended that I contact you. XXXX XXXX XXXX has recently hit my credit hard, using Radius Global Solutions XXXX XXXX XXXX who went into my bank account 's credit outline, saying I owe {$120.00}. So now I really need help to clear this off of my credit rating for many reasons!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am requesting that all unauthorized credit inquiries listed under my name in both ChexSystems and Early Warning Services be removed immediately. These inquiries are preventing me from opening a checking account. I did not authorize these banks or institutions to run my credit, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Section 604 Permissible Purposes of Consumer Reports ). XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was two inquiries into lenders protection XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Fair Credit Billing Act ( FCBA ) and the Mail or Telephone Order Merchandise Rule. You do not have to pay for undelivered or unordered items Dispute Amount {$390.00} USD Transaction Date XX/XX/XXXX i filled a complaint with XXXX in XXXX and now in XXXX i am being sued for items i never received not to mentioned sending court documents to the wrong address unsure why my ssn is listed as XXXX XXXX, never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
( XXXX  ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I leased a car from Nissan motor XXXX XXXX was satisfied and paid off on time and in full turned in car in perfect condition. Had pictures to prove it received a bill in the mail about a month later XXXX of this year 2025. The bill was for {$700.00} stating worn tires, I called Nissan to require about this bill and told them I have pictures of the tires in perfect condition. They told me if it goes back to the inspector and he finds the tires worn I would still owe the {$700.00} they offered me at that time a settlement amount of 75 % of the total I paid the {$500.00} deducted from my account. No one ever explained to me that a settlement payment is not a payment in full and it might impact my credit. I did find out in impact in my credit call Nissan back and now theyre stating the only way to take care of this is to pay the rest of the bill which is finalized and they say I dont owe them anything but theyre still a {$200.00} amount that is on my history and reported to Experian, which has lowered my credit score over XXXX points. Dont think its fair that I should be penalized for something that I paid for and took care of immediately if the agent handling the case wouldve explained everything to me. I wouldve paid the full amount just to get it off the table I feel I was taking advantage of by Nissan motor XXXX and now my credit is impacted and its causing other problems. Please help me. I have nowhere else to turn. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Alleged Debt Acct # XXXX {$240.00} To Whom It May Concern, This letter serves as a formal dispute of the above-referenced collection account that you are reporting to the credit bureaus. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and demanding full validation of this alleged debt.

Your office is in violation of federal law if you continue to report or attempt to collect without providing proper validation. A bill or statement is not validation. You must provide : A complete chain of assignment/ownership of the alleged debt.

A copy of the original signed contract or agreement bearing my signature.

Proof that you have legal standing and permissible purpose to collect and report this alleged debt.

The name and address of the original creditor, along with a full accounting of how the amount of {$240.00} was calculated.

Until this documentation is provided, you must immediately : Cease all collection activity per FDCPA 809 ( b ).

Cease reporting this account to Experian, Equifax, and TransUnion because unverified information is materially misleading and violates FCRA 607 ( b ) ( maximum possible accuracy ).

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Nevada Attorney Generals office.

Civil action against your agency for willful violations of the FDCPA and FCRA.

I am demanding the permanent deletion of this account ( Acct # XXXX ) from my credit reports. If you can not validate with proper documentation, you are legally required to delete. 

You have 30 days from receipt of this letter to respond with full validation, or this matter will be escalated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
I have requested that this frivolous accounts be removed. I was exposed in multiple data breaches and upon checking I saw accounts not familiar to me Im asking that all accounts be verified for ownership and accuracy providing method of verification or deleted. Bureaus have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
I have requested that this frivolous accounts be removed. I was exposed in multiple data breaches and upon checking I saw accounts not familiar to me Im asking that all accounts be verified for ownership and accuracy providing method of verification or deleted. Bureaus have failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$41.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$400.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my third time filing a complaint against this company Experian for inaccurate information being reported on my credit report which they did an investigation and said it was correct now after filing with the cfpb they said it may be possible fraud how when this company said they investigated through the court records, will be filing a complaint with attorney general office

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