vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for a XXXX XXXX XXXX XXXX secured-loan tradeline. 

On XX/XX/XXXX, I submitted a written dispute to Equifax concerning the XXXX XXXX XXXX XXXX secured loan account ending XXXX. The account is reported as charged off with a charge-off amount of approximately {$24000.00}, while simultaneously reporting a balance and past-due amount of approximately {$24000.00}. The payment-history grid shows multiple 30-, 60-, 90-, 120-, and 150-day delinquency codes in XXXX, followed by charge-off coding in late XXXX and throughout XXXX. 

In my dispute, I challenged the accuracy, completeness, and verifiability of the reported balance, charge-off amount, past-due amount, and delinquency history. The 24-month balance history reflects the same {$24000.00} amount reported consistently across late XXXX and all of XXXX, with the last payment reflected in XX/XX/XXXX, while earlier periods show changing balances, payments, and narrative codes indicating deferment or special treatment. This reporting does not clearly reconcile how the charge-off amount was calculated, why the balance and past-due amount remain identical after charge-off, or how any deferment or special arrangements were applied. 

Despite this dispute, the tradeline continues to be reported without clear reconciliation or documentation supporting the reported figures and delinquency coding. Presenting the same amount as balance, past due, and charge-offwithout a transparent transactional accountingraises serious concerns that the information is internally inconsistent and misleading. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX XXXX XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.

The continued reporting of this tradeline without clear verification or reconciliation indicates that the disputed information has not been properly reinvestigated and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
The Issue : Credit Reporting - Incorrect Information on Report / Old Information Won't Go Away. ( Outdated and Discharged ) All three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting a Chapter XXXX bankruptcy ( Case No. XXXX ) on my credit reports. The bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX by the U.S. Bankruptcy Court for the XXXX XXXX of Pennsylvania. 

On XX/XX/XXXX, I received official documentation from the bankruptcy court ( signed by XXXX XXXXXXXX XXXX XXXX ) that clearly states : " The Bankruptcy Court does not report information to any of the credit reporting agencies. '' Despite submitting this official court documentation to XXXX and disputing with all three credit bureaus, they continue to report this bankruptcy on my credit reports. 

What I have done : 1.Obtained official court notice confirming the court does not report bankruptcies 2.Submitted documentation to XXXX requesting removal 3.Disputed with TransUnion, Experian, and Equifax 4. All companies have failed to remove the inaccurate information

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 2025-12-14 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: NJ

Complaint narrative:
AFFIDAVIT State of New Jersey County of XXXX I, [ XXXX XXXX ], being duly sworn, hereby declare and affirm as follows : Personal Information Full Legal Name : XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number ( last XXXX digits only ) : XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX Previous Address ( if applicable ) : XXXX Street, City, State, ZIP ] Purpose of This Affidavit This affidavit is made for the purpose of disputing inaccurate, incomplete, and/or unverified information appearing on my consumer credit reports maintained by the following consumer reporting agencies : Equifax Information Services LLC Experian Information Solutions , Inc .

TransUnion LLC Statement of Facts I have reviewed my credit reports from the above-listed consumer reporting agencies and have identified certain items that I believe are inaccurate, incomplete, obsolete, and/or not verifiable. 

* * Disputed

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express had a {$70.00} off XXXX promotion that they have not yet honored. They said via chat that the my XX/XX/year> purchase counted but they cant explain why it hasnt posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FEDChex Recovery, LLC
State: TX

Complaint narrative:
I am disputing the accuracy of a collection account being reported on my credit report. The account is reporting a balance and delinquent status that I believe is inaccurate and has not been properly verified.

I have not been provided documentation validating this debt, including proof of my responsibility, an itemized breakdown of the balance, or confirmation that the reporting is complete and accurate. Additionally, the account appears to be reporting inconsistently across credit bureaus and may be improperly re-aged or duplicated.

I am requesting a full investigation into this account and verification of the information being furnished to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for a XXXX XXXX XXXX XXXX conventional mortgage tradeline. 

On XX/XX/XXXX, I submitted a detailed written dispute to Equifax concerning the XXXX XXXX XXXX XXXX mortgage account ending XXXX. The account is reported as over 120 days past due with an amount past due of approximately {$54000.00} and a current balance of approximately {$21000.00}, along with extensive 30-, 60-, 90-, 120-, 150-, and 180-day delinquency codes and charge-off coding throughout XXXX and XXXX. The tradeline also includes narrative codes such as principal deferred/interest payment only.

In my dispute, I identified significant inconsistencies in the reported balance progression, past-due amounts, delinquency history, and narrative codes. The 24-month history reflects unusually large reported balances and scheduled payment amounts at certain points, followed by a much lower balance paired with a very high past-due amount, without clear explanation of how these figures were calculated or how deferment, forbearance, or loss-mitigation activity was applied. This reporting does not clearly reflect a verifiable or lawful accounting of the mortgage obligation. 

Despite my dispute, the mortgage tradeline continues to be reported in this internally inconsistent and confusing manner. The Equifax report does not reconcile how periods described as principal deferred/interest payment only were treated for purposes of due dates and delinquency calculations, nor does it clearly explain the basis for the reported past-due amount exceeding the reported balance.

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX XXXX XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.

The continued reporting of contradictory balances, past-due amounts, delinquency codes, and charge-off notations without clear documentation indicates that the disputed information has not been properly verified or reconciled and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding XXXX XXXX 's attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law. 

Further, XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). 

XXXX XXXX has continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : - Chain of title for the debt - Assignment of debt contract - Copy of the signed contract from the original creditor - Any other legal documentation establishing XXXX XXXX 's right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S.C. 1692g ( a ) - ( b ), XXXX XXXX must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, XXXX XXXX must cease all collection activities until providing such validation. 

By failing to send the verification after my written dispute, XXXX XXXX has violated FDCPA 15 U.S.C. 1692g ( b ), and its continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : - FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting - FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute - FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and XXXX XXXX does not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Take this demand seriously and act immediately.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and collection activity related to identity theft. 

In XX/XX/year>, I discovered a XXXX account on my credit report that I did not open or authorize. The account was later transferred to Credit Control , LLC for collection and is currently reported with a balance of {$2700.00}. 

I reported the fraudulent account to XXXX. However, the debt continues to be reported and collected despite the fact that it resulted from identity theft. 

Resolution Requested Removal of the fraudulent XXXXCredit Control , LLC account from my credit report Immediate cessation of all collection activity Written confirmation that the account is not associated with me

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 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Complaint Summary : XXXX is reporting false and misleading information regarding an Ally account on my credit report. I made a payment to Ally on or about XX/XX/year>, which XXXX  has failed to report. This omission materially misrepresents the status of the account. 

Despite my dispute, XXXX claims the information was verified, yet has failed to provide any documentary or written verification from Ally substantiating the accuracy of the reporting or confirming that my payment was properly accounted for.

By omitting a known payment and continuing to publish adverse information without verification, XXXX is violating the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i ( a ), and New York General Business Law 380-j.

I further revoke any authorization for XXXX to report information that is false, incomplete, or unverified. The only acceptable remedy is immediate deletion of the Ally tradeline from my XXXX credit file not an update. 

I request that the CFPB require XXXX  and Ally to remove this account and cease reporting any unverified or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE & HUFFMAN -COLLECTION # XXXX XXXX. Reporting a third-party debt collector as the owner of a debt when no ownership exist is a material misrepresentation of the legal status of the account and does not meet 15 U.S.C 1681e ( b ). The furnisher of this account is inaccurately reporting itself as the/creditor of the debt.

No proof of ownership been received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed late-payment information reported for a XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted a written dispute to Equifax concerning the XXXXXXXX XXXX  secured loan account ending XXXX. The account is reported as paid and closed with a XXXX balance, originally opened in XX/XX/XXXX with a high credit of approximately {$18000.00}. Despite the account being closed and paid, Equifax continues to report multiple 30-day late-payment codes across several months in XXXX and XXXX. In my dispute, I challenged the accuracy and verifiability of those late-payment entries given the age of the account and the limited detail reflected in the Equifax credit file, and I requested documentation supporting the reporting.

Despite this notice, the late-payment codes remain on my Equifax credit report without clear documentation demonstrating that any payment was actually more than 30 days past due. The report does not clearly show contractual due dates, actual payment posting dates, or whether any payments may have been misapplied or posted outside normal processing windows. Continued reporting of older late-payment information without verification raises concerns that the information may be incomplete or misleading.

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy, including for older derogatory information. Upon notice of a dispute, the furnisher, XXXXXXXX XXXX is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.

The continued reporting of historical 30-day late codes on a paid and closed secured loan, without clear supporting documentation, indicates that the disputed information has not been properly verified and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-14 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: MD

Complaint narrative:
I disputed an XXXX XXXX auto loan that is closed and paid in full. The vehicle was a total loss, and payment delays were related to insurance and XXXX processing, not missed payments due to consumer neglect. 

In XX/XX/year>, XXXX/Experian completed an investigation and corrected the account by removing a 120-day late payment, confirming the account was inaccurately reported. However, XXXX continues to report 30-, 60-, and 90-day late payments tied to the same total loss and insurance/GAP issue. 

To stop continued negative reporting, I paid the remaining balance out of pocket. That payment was later reimbursed by the dealerships finance department, confirming the issue was administrative and not an unpaid obligation. The loan is now closed and paid. 

Despite this, XXXX has not provided documentation verifying the remaining late payments or explaining why only part of the inaccurate reporting was corrected. I am requesting that XXXX either provide documentation supporting each remaining late payment or remove the inaccurate late payment 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 explanation
Consumer complaint received 2025-12-14 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: MS

Complaint narrative:
Creditor : XXXX  BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Credit Bureaus Reporting : TransUnion, Equifax Complaint / Dispute : I am submitting a dispute regarding the reporting of my XXXX  BANK secured loan on my credit reports. Upon review, I have identified the following discrepancies : Date Opened Differences : TransUnion reports XX/XX/XXXX ; Equifax reports XX/XX/XXXX. 

Request correction to reflect the accurate date opened. 

Date Last Active / Date of Last Payment Differences : TransUnion shows XX/XX/XXXX ; Equifax shows XX/XX/XXXX. 

Request correction to reflect accurate dates. 

Experian Reporting : This account does not appear on Experian. 

Request verification and update if applicable. 

Requested Resolution : Ensure accurate date opened, last payment, and last activity dates across all bureaus. 

Update Experian with verified account information if applicable. 

Provide a written response confirming corrections. 

I have attached supporting documentation, including statements verifying the account history and payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation