vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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 am filing a complaint against Experian Information Solutions , Inc. regarding inaccurate credit reporting and a failure to follow reasonable procedures to assure maximum possible accuracy, as required by the Fair Credit Reporting Act.

I disputed late payment information appearing on my Experian credit file. Experian responded that the information was verified, but did not demonstrate that it conducted a reasonable investigation or reviewed complete payment records to confirm the accuracy of the late payment history.

Several of the disputed accounts contain late payment histories that are misleading or unverifiable, including continued reporting of late payments after accounts were closed or settled and stacked delinquency indicators without documentation of actual payment due dates or posting dates.

Experian appears to rely on automated verification processes rather than conducting a meaningful review of underlying account records. This practice does not meet the Fair Credit Reporting Acts requirement that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy.

By continuing to report inaccurate late payment information without adequate verification, Experian has failed to comply with 15 U.S.C. 1681e ( b ) and 1681i.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( original creditor ), XXXX XXXX XXXX ( debt collector ), and the XXXX XXXX XXXX XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Georgia state law. 

XXXX. Failure to Provide Statutory Itemization ( O.C.G.A. 44-7-33 & 34 ) On XX/XX/year>, I paid a final balance of {$640.00} to XXXX XXXX XXXX. Although my Notice to Vacate ( XX/XX/year> ) stated that a final statement of charges and damages would be provided after move-out, I never received this document. I made XXXX written requests via email ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ) for a final itemized statement. To date, the creditor has failed to provide this mandatory disclosure required under Georgia law to establish any further debt.

2. Violation of Debt Validation Rights ( FDCPA 15 U.S.C. 1692g ) The account was transferred to XXXX XXXX XXXX ( NCS ) and subsequently the Law Office of XXXX XXXX XXXX. I have disputed the validity of this debt in writing because the original creditor failed to provide the documentation required to prove the debt exists. Despite these active disputes, neither the collection agency nor the law office has provided verification of the debt. On XX/XX/year>, a representative from the Law Office of Brett M. Borland left a voicemail attempting to collect on this unverified and disputed account, which is a direct violation of the FDCPAs requirement to cease collection until the debt is validated.

3. Inaccurate Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ( b ) ) The parties are reporting this unverified and inaccurate information to the credit bureaus. Because the underlying debt has never been itemized or validated despite repeated requests, the reporting is inaccurate. The companies have failed to conduct a reasonable investigation into my disputes and continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

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 2025-12-26 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:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
The company signed me up for a credit builder loan without my consent and will not remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: KY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding the continued reporting of inaccurate, inconsistent, and unverifiable information on my consumer credit reports. Despite prior disputes, you have repeatedly verified negative accounts and remarks without conducting a reasonable or lawful reinvestigation as required under the Fair Credit Reporting Act. This pattern reflects willful noncompliance and a failure to maintain maximum possible accuracy, causing ongoing and measurable harm to my creditworthiness. 

The disputed items include XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ), which is reported as a charged-off auto loan with conflicting balances, dates, and delinquency histories across bureaus, yet no signed retail installment contract, full payment history, or proof of assignment has ever been produced. I am also disputing XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX  where negative late payment remarks are being furnished while the accounts are simultaneously reported as open, current, and with no past-due balance. An account can not be current and delinquent at the same time without the reporting being inaccurate and misleading. Additionally, XXXX XXXX XXXX XXXX XXXX is being reported inconsistently across bureaus, including contradictory account status and payment history data, proving that the information can not be reliably verified. 

I am further disputing the collection accounts XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, both of which are being reported without any competent evidence of ownership, itemized accounting, original contract, or lawful authority to report. No documentation bearing my signature has been produced, no permissible purpose has been established, and no Metro 2compliant verification has occurred. Continued publication of these unverified collections after notice constitutes reckless disregard for accuracy and unfair or deceptive practices under federal law.

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 2025-12-26 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: KY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding the continued reporting of inaccurate, inconsistent, and unverifiable information on my consumer credit reports. Despite prior disputes, you have repeatedly verified negative accounts and remarks without conducting a reasonable or lawful reinvestigation as required under the Fair Credit Reporting Act. This pattern reflects willful noncompliance and a failure to maintain maximum possible accuracy, causing ongoing and measurable harm to my creditworthiness. 

The disputed items include XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ), which is reported as a charged-off auto loan with conflicting balances, dates, and delinquency histories across bureaus, yet no signed retail installment contract, full payment history, or proof of assignment has ever been produced. I am also disputing XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX  where negative late payment remarks are being furnished while the accounts are simultaneously reported as open, current, and with no past-due balance. An account can not be current and delinquent at the same time without the reporting being inaccurate and misleading. Additionally, XXXX XXXX XXXX XXXX XXXX is being reported inconsistently across bureaus, including contradictory account status and payment history data, proving that the information can not be reliably verified. 

I am further disputing the collection accounts XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, both of which are being reported without any competent evidence of ownership, itemized accounting, original contract, or lawful authority to report. No documentation bearing my signature has been produced, no permissible purpose has been established, and no Metro 2compliant verification has occurred. Continued publication of these unverified collections after notice constitutes reckless disregard for accuracy and unfair or deceptive practices under federal law.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX ( TransUnion ) on or XXXX or XX/XX/year>. She verified that the XXXX XXXX XXXX  XXXX account was on my credit. I asked that a copy of said info be mailed to me.I called ( TransUnion ) on XX/XX/year> and spoke with XXXX and she said my request was escalated and that she didnt see it on my credit report. Mind you, XXXX  XXXX has been sued by both the SEC ( XXXX XXXX ) and the XXXX of Massachusetts XXXX XXXX XXXXXXXX ) and lost for numerous accounts of predatory lending etc. I myself am a victim of fraud by this mortgage XXXX and TransUnion has now become a part of the coverup. Ive also already confirmed that XXXX is aware of this account also. XXXX  too is guilty of covering up info involving this account. Its a shame that these reporting agencys are vested with the responsibility of maximum accuracy and protecting my info, and are in turns breaking the law to protect criminals. Ive also complained to the CFPB prior to this complaint and you guys also did nothing. As far as XXXX concerned XXXX  all criminals.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I spoke with XXXX ( XXXX  ) on or XXXX or XX/XX/year>. She verified that the XXXX XXXX XXXX  XXXX account was on my credit. I asked that a copy of said info be mailed to me.I called ( XXXX  ) on XX/XX/year> and spoke with XXXX and she said my request was escalated and that she didnt see it on my credit report. Mind you, XXXX  XXXX has been sued by both the SEC ( XXXX XXXX  ) and the XXXX of Massachusetts XXXX XXXX XXXX ) and lost for numerous accounts of predatory lending etc. I myself am a victim of fraud by this mortgage XXXX and XXXX  has now become a part of the coverup. Ive also already confirmed that XXXX is aware of this account also. Experian too is guilty of covering up info involving this account. Its a shame that these reporting agencys are vested with the responsibility of maximum accuracy and protecting my info, and are in turns breaking the law to protect criminals. Ive also complained to the CFPB prior to this complaint and you guys also did nothing. As far as XXXX concerned XXXX  all criminals.

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 2025-12-26 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : XXXX CARD - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
Company Name : National Credit Systems , Inc . 

Address : P.O. XXXX XXXX, XXXX, GA XXXX Issue Type : Debt collection / Attempt to collect a debt I do not owe Complaint : I am disputing a debt that National Credit Systems , Inc. ( XXXX ) has reported to all XXXX major credit bureaus ( XXXX XXXX XXXX ). I sent XXXX a written dispute, received XX/XX/year>, with proof of delivery. 



Despite receiving my dispute, XXXX never verified the debt, provided no documentation, and has not contacted me at all. Yet, they updated my account on the credit bureaus on XX/XX/year>, after my dispute was received. The reported amount is likely inaccurate and includes fees I do not owe. 



Violations : FDCPA 1692g ( b ) : Continuing collection/reporting after a dispute without verification FCRA 1681s-2 ( a ) ( 3 ) : Furnisher failed to reinvestigate and correct inaccurate information FCRA 1681e ( b ) : Reporting incomplete and inaccurate credit information Resolution Requested : Immediate removal of the account from all credit reports Written confirmation of removal Cessation of all reporting or collection attempts until validation is provided I have attached : XXXX proof of delivery of my dispute Credit report showing post-dispute reporting Copy of my letter to XXXX XXXX has violated XXXX XXXX and harmed my credit. I request CFPB review and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harvard Collections, LLC
State: CA

Complaint narrative:
I've disputed this debt several times with all 3 credit reporting agencies. It keeps coming back and is negatively impacting my credit. They say I owe this from a debt to the state of Illinois in 1995. 
I have no knowledge of owing this debt which is now 30 years old and should not be allowed to keep reappearing on my credit. I've disputed and had it removed several times but it does me no good. The collection agency is Harvard Collections and I seem to have no authority to make the stop. Neither do the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: KS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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