vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: AR

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I paid my acct off in XXXX still showing I owe {$4700.00}. All they say is that I have a XXXX balance so that Im good. Then why does the report still say I owe. I told them it hasnt been updated since XXXX. Please help thanks!!!

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy and continued reporting of the XXXX account listed under my credit file with your bureau. Please be advised that this account has already been deleted from my XXXX  credit report, further evidencing its inaccuracy and lack of verifiable documentation. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2, I have the right to request that any information furnished to the credit reporting agencies be complete, accurate, and verifiable. If an account can not be verified with supporting documentation, it must be deleted from the consumers file.

To date, you have failed to provide the following as required by law : The method of verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; The name, address, and contact information of the data furnisher who verified the account ; A copy of any signed contract or agreement bearing my signature confirming my responsibility for the alleged account ; The name of the person who verified the disputed information ; and All other supporting documentation used during your reinvestigation.

Additionally, under the FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The continued reporting of an account that has been removed from another major credit bureau, without proper re-verification, constitutes inconsistent and inaccurate reporting, in violation of this statute.

You are hereby formally requested to immediately delete this XXXX account from my credit file. If the account is not removed within 15 calendar days of receipt of this notice, I will have no choice but to pursue legal action for willful noncompliance under the FCRA and seek damages pursuant to 15 U.S.C. 1681n and 1681o. 

Please update my credit file accordingly and send me written confirmation that the XXXX account has been deleted.

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 2025-06-23 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: GA

Complaint narrative:
None of these addresses belong to me I believe they are fraud please remove this incorrect information from my report. 
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 15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer.

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 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of a federal student loan account from my credit report that was compromised during a known data breach involving student loan servicers and/or the U.S. Department of Education .

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable federal laws, due to the following : 1. FCRA 1681c-2 ( Block of Information Resulting from Identity Theft ) If the student loan was accessed or manipulated during a breach and may have resulted in fraud, I am asserting my right to request a block or deletion of this information from my credit file.

2. FCRA 1681i Right to Reinvestigation I dispute the accuracy and integrity of the reporting and am requesting a reinvestigation. If the loan servicer or furnisher can not fully verify ownership, authenticity, and balance, this account must be removed or corrected within 30 days.

3. Higher Education Act of 1965 ( 20 U.S.C. 1080 and 1092b ) Under the HEA, the Department of Education and its servicers are required to safeguard borrower data. A breach of such data security could constitute a violation of federal student loan servicing standards, potentially nullifying the accuracy or legal responsibility associated with the affected debt.

4. FCRA 623 ( a ) ( 5 ) Duty to Provide Accurate Information The party furnishing this information ( the servicer or Department of Education ) is legally obligated to ensure the accuracy, completeness, and timeliness of the reported data. If they failed to do so due to a breach, they are in violation of this section.

5. Breach Notification Laws ( per FTC, GLBA, and federal data standards ) If this account was included in a breach, the burden of proof shifts to the servicer or agency to verify the validity and authorization of the debt. Until such time, continued reporting may constitute negligent data handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
There is one collection agency listed on my personal credit report under the name of XXXX XXXX XXXX XXXX XXXX XXXX This agency is reporting {$58.00} dollars. I don't have an account with this company or any other company for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: TX

Complaint narrative:
On Monday XX/XX/XXXX I spoke with a representative from LJ Ross. And I requested four documents the chain of assignment the forward flow agreement the name of the original creditor and my original signature to verify that this is correct. I have not received any email with these supporting documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00}

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am the victim of a vehicle theft and identity fraud involving a XXXX XXXX XXXX. The vehicle was reported stolen to the XXXX XXXX XXXX XXXX on XX/XX/XXXX, under Incident # XXXX. The vehicle was later recovered fully submerged in a lake in XXXX XXXX, Florida. A sworn police report and stolen vehicle affidavit were completed, and I cooperated fully with law enforcement. 

Despite this, an auto loan account under the name STELLANTIS with a balance of {$38000.00} and marked as a charge-off has appeared on my credit reports ( XXXX XXXX XXXX XXXX ). This account is fraudulent. I did not authorize or open this loan, and I am not financially responsible for it. 

I submitted a formal dispute with all three credit bureaus, including the police report and my dispute letter. I am now requesting that the CFPB assist me in ensuring this fraudulent account is permanently removed from my credit reports under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of two charge accounts reported by Comenity Bank : one for XXXX ( Account ending in XXXX ) and another for XXXX XXXX XXXX ( Account ending in XXXX ). 

The XXXX account shows a charge-off of {$640.00} and was marked as " purchased by another lender. '' However, I have not received any documentation validating the debt despite previous disputes. The account remains on my credit report with negative remarks and was last updated in XX/XX/XXXX. 

The XXXX XXXX XXXX account is still showing as open but includes a long history of delinquencies30, 60, 90, 120, and 150 days past dueeven though it was disputed in XX/XX/XXXXXXXX  and marked as updated. These delinquency entries appear inconsistent and excessive for the account type and timeline. I believe they are being inaccurately reported and are damaging my credit unfairly. 

I submitted disputes through the credit bureaus but received no clear validation from Comenity Bank. The accounts were either marked " remained unchanged '' or simply " updated '' without proof of accuracy as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLYstated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANYreporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

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 2025-06-23 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:
This child support account XXXXXXXX XXXX XXXX XXXX XXXX  has been officially closed by the court. Additionally, you are reporting an inaccurate balance with Experian reporting {$22000.00} and Equifax reporting {$22000.00}. Attached are copies of the letters I previously sent to XXXX and the Office of the Attorney General on XX/XX/year>. Following those submissions, XXXX removed the account, and the court confirmed that it does not publicly report child support information to the credit reporting agencies. XXXX  has also removed this account. Given this information and the actions already taken by other bureaus and entities, I am requesting that you promptly remove this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit report as well.

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 2025-06-23 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-23 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: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurately reporting a {$4900.00} collection account originally from XXXXXXXX XXXX XXXX XXXX XXXX 

This account has remained unchanged for years with no documented payment activity, yet it continues to report monthly as a collection with a static balance and no scheduled payments. This reporting practice gives the appearance of ongoing delinquency and constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) and FCRA 1681s-2.

Additionally, I have not received any documentation or validation of this debt, nor have I been provided with a lease agreement, billing statements, or itemized charges. The failure to provide verifiable documentation violates both the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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
Consumer complaint received 2025-06-23 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:
Subject : Request to Review and Correct Inaccurate, unverifiable Data Entry I am writing to formally request a review of my credit report and the removal of any inaccurate and unverifiable data entries. It has come to my attention that certain information in my report does not accurately reflect my credit history.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 USC 1681 ), I have the right to dispute any information that I believe is inaccurate or unverifiable. I urge your company to uphold its obligation to protect consumer rights and ensure the accuracy of data reported.

I appreciate your prompt attention to this matter and expect the necessary corrections to be made to rectify any misleading data entries.

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief