vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
My recent application for a XXXX credit card was unfortunately declined. The reason provided for this denial was a 'Delinquency ' reported by Equifax . I am formally disputing this claim, as the information provided to XXXX is inaccurate. Equifax report does not have a 'Delinquency ' or a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing a complaint under the Consumer Financial Protection Bureau regarding inaccurate, unverifiable, or unfair reporting practices. 

According to the Fair Credit Reporting Act ( FCRA ) Sections 602, 609, 611, and 623, I am exercising my rights to dispute the accuracy, completeness, and validity of the following account ( XXXX ) : Creditor/Collection Agency : Nelnet Account XXXX : XXXX Issue : I attended and there was no communication so I had to drop out due to not being able to make a payment and no payment options offered. I was four to six classes from graduating with my bachelors and did not receive any help to set it right.

I request that the CFPB investigate this matter and ensure compliance with the FCRA. If the furnisher or credit reporting agency can not provide proper documentation verifying the account with full compliance, I request deletion or correction of the inaccurate information. 

Please provide me with updates regarding the investigation, the response from the furnisher/credit bureau XXXX and the final resolution of this dispute. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: IN

Complaint narrative:
I have receive a statement from XXXX XXXX XXXX account number XXXX that I have amount debt of {$1200.00} from XX/XX/2024 which I have been paying monthly to the hospital that I have been to emergency on XX/XX/2024,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc.
State: VA

Complaint narrative:
Kikoff {$240.00} XX/XX/year> I have no supplied proof under the doctrine of estoppel by silence, Engelhamelt v. Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, In fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-09-16 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I notice unauthorized inquiries thats on my credit thats not attached to me, I want to dispute them soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I notice unauthorized inquiries thats on my credit thats not attached to me, I want to dispute them soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IN

Complaint narrative:
This dispute is not an error. The listed inaccuracies on my credit report fail to meet the maximum possible accuracy standard required by the Fair Credit Reporting Act. These errors are causing significant and ongoing financial harm.

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 2025-09-16 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: IL

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 2025-09-16 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Re : Cease and Desist Notice / Account # [ Insert if known ] To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me immediately regarding the alleged debt referenced above. 

I do not wish to receive phone calls, letters, emails, or any other form of contact from your agency, except as allowed by law, such as to : Confirm that you will stop contacting me, or Notify me of specific legal action you intend to take. 

Please be advised that any further communication beyond what is legally permitted will be considered harassment and a violation of the FDCPA. Should you continue to contact me, I will document all instances and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your cooperation. 

Sincerely, [ Your Full Legal Name ] [ Your Signature ]

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 2025-09-16 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 challenging the fraudulent accounts currently listed on my credit report. I did not authorize these accounts, nor do I have any association with them. Their reporting is false, harmful, and creates a misleading representation of 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 2025-09-16 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NC

Complaint narrative:
I am disputing several inquiries and collection accounts that are appearing on my credit report. 
1. XXXX XXXX An inquiry was reported on XX/XX/XXXX. I did not authorize this inquiry, nor did I apply for any new credit with XXXX XXXX around that date. 
2. XXXX An inquiry was reported on XX/XX/XXXX. I did not authorize or apply for any services that would have involved XXXX. 
3. XXXX, XXXX, XXXXXXXX XXXX Multiple inquiries were reported on XX/XX/XXXX. I did not authorize these inquiries. I did not apply for loans or credit with any of these companies. 
4. XXXX An inquiry was reported on XX/XX/XXXX. I did not apply for or authorize any account with XXXX at that time. 
5. XXXX XXXX XXXX Reported a collection account on XX/XX/XXXX for {$630.00}. I do not recognize this debt and have not received validation or documentation supporting that I owe this amount. 
6. XXXX XXXX XXXX Reported a collection account on XX/XX/XXXX for {$73.00}. I do not recognize this debt and have not received any validation or proof of this account. 

Actions taken by me : I reviewed my credit reports and confirmed these inquiries and accounts. 
I have not authorized or initiated these accounts or inquiries. 
I am requesting that the credit bureaus and the companies involved investigate these matters. 

Requested resolution : Please remove any unauthorized or fraudulent inquiries. 
Please provide full validation for the reported collection accounts ( including the original creditor, dates of service, and signed documentation ). 
If the companies can not provide validation, I request the immediate removal of these accounts from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I am refiling my formal complaint to EQUIFAX regarding the inaccurate and non-verified data being reported on my consumer credit file. My full name is XXXX XXXX, date of birth XX/XX/year>, and current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. The information being published under my credit profile is not certifiably compliant, proven valid, or documented as factually accurate. Several entries appear to be duplicative, misleading, and reported without proper authorization from me as the consumer. These actions create an unlawful burden on my creditworthiness and represent violations of both state and federal protections granted to me. 

Under the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681 ET SEQ. ), consumer reporting agencies such as EQUIFAX are required to maintain maximum possible accuracy, reinvestigate disputed information within the statutory 30-day period, and remove unverifiable or false data. The FAIR AND ACCURATE CREDIT TRANSACTIONS ACT ( FACTA ), TITLE I, SECTION 151 further obligates agencies to properly describe and document the methods of verification used when data is challenged. Additionally, the ILLINOIS COLLECTION AGENCY ACT ( 225 ILCS 425/ ) and the ILLINOIS CONSUMER FRAUD AND DECEPTIVE BUSINESS PRACTICES ACT ( 815 ILCS 505/ ) prohibit the use of false, deceptive, or misleading credit information and require fair dealing in all consumer credit matters. By continuing to publish unverifiable entries, EQUIFAX is in direct violation of these statutory duties. 

As a consumer, I am exercising my rights under both FEDERAL LAW and ILLINOIS STATE LAW to demand the immediate correction of all unverified, inaccurate, and unauthorized negative notations on my credit file. Failure to act would constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, which carry civil liability, statutory damages, and potential punitive damages. I request that EQUIFAX provide full documentation of its verification process and permanently correct all entries that can not be substantiated. This complaint serves as both a demand for compliance and a notice of my intent to escalate to the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) and the ILLINOIS ATTORNEY GENERAL should these violations persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-16 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: CA

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief