vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit score has not updated for over 120 days even though two negative items were removed in XX/XX/year>. My file is updated, but the score Equifax gives lenders and third parties ( XXXX ) has been frozen since XX/XX/year>. 

I have contacted Equifax multiple times and they told me to wait 30 days. It has now been 60 days with no score change. Equifax refuses to refresh the score, recalculate, or provide any explanation. This has prevented me from getting accurate credit decisions and is harming my ability to obtain credit.

I am requesting : 1. A full score recalculation, 2. A review of the Equifax scoring system attached to my file, 3. Immediate correction of any scoring-system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX  collection on charged off debt XXXX credit breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Collection Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Subject : Request for Debt Validation under the FDCPA Dear Credit Collection Services I am writing in response to your recent communication regarding an alleged debt you claim I owe. This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which grants me the right to request full validation of the debt.

I respectfully request that you provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed breakdown showing how the amount was calculated ; 4. A copy of any judgment ( if applicable ) ; 5. A copy of the original contract or agreement bearing my signature ( if applicable ) ; 6. Documentation showing you are legally authorized to collect this debt in my state.

Please also include the name and address of the original creditor and any relevant account numbers associated with the alleged debt.

In the meantime, and as required by federal law, cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation.

This letter is not an admission of liability. I am merely exercising my rights under federal law to validate the legitimacy and accuracy of the debt you allege I owe. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Repeated text messages and calls XXXX or more times daily from multiple numbers. As soon as XXXX number is blocked other numbers pop up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
After reviewing my Equifax credit report, I identified multiple accounts being furnished with inaccurate, incomplete, inconsistent, duplicated, or unverifiable information. The issues include incorrect late payments, re-aged delinquency dates, duplicate collections, mixed-file information, inconsistent reporting codes, and improper charge-off reporting. These inaccuracies appear to violate the reporting requirements under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards that Equifax requires furnishers to follow.

1. Incorrect, Duplicated, and Unverifiable Collection Reporting Several collection accounts contain contradictory or incomplete information : A collection from XXXX XXXX shows a balance of {$5300.00} and is improperly reported as a joint account with another individual, which indicates a mixed-file or identity-matching error. This account also reports continuous collection activity from XXXX without consistent or verifiable updates. 
XXXX XXXX is reporting multiple collection accounts with different balances ( including {$2100.00} and {$280.00} ) and inconsistent open dates. Some months show collection status while others show ND ( no data ). These entries appear to represent duplicates of the same debt and contain conflicting reporting. 
XXXX XXXX XXXX is reporting more than one collection account that appears to stem from the same original creditor, including a balance of {$1100.00} and another that traces back to a charged-off XXXX  account. The reporting timeline conflicts with the original creditors information. 
XXXX XXXX XXXX is reporting a balance of {$1200.00}, including several months marked ND alongside inconsistent collection reporting from XXXX. 
XXXX XXXX XXXX is reporting a balance of {$2600.00}, and although this account was previously marked as disputed, the dispute notation is not consistently shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: ND

Complaint narrative:
This debt had already been resolved in XX/XX/XXXX that was previously attempted to be collected by XXXX XXXX XXXX for {$1400.00}. This was resolved by contacting XXXX XXXX XXXX and going through their fraud management. CREDENCE RESOURCE MANA is attempting to collect on the same debt for the same amount which has appeared on my credit report today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting 12 late payments that do NOT exist on any of my accounts. None of my creditors are reporting late payments, and my XXXX file also confirms that no late payment data exists. These late payments only appear in Experians payment history scoring section, not on any actual tradeline. These are phantom late payments caused by record errors, mixed-file issues, or incorrect internal scoring. I have verified my identity multiple times, and Experian continues requesting identification even after I have complied. Experian also keeps inserting an
old address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) into my file without my authorization. This address was removed previously, and Experian reinserted it without notice. Experian also added an internal code labeling my current XXXX address ( XXXX XXXX XXXX XXXX # XXXX ) as high-risk/fraud, which is inaccurate and causing improper dispute handling. 

Additionally, Experian is reporting multiple incorrect name variations, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, which do not belong to me and are causing further file confusion. Experian has failed to correct these errors even after repeated disputes.

Experian is violating FCRA 607 ( b ) ( reasonable procedures for accuracy ) and FCRA 611 ( failure to reinvestigate ).

I have uploaded the correct accounts showingZero Lates on actual trade lines. And the Incorrect showing 12 or more 30-60 Days Late. And XXXX Letter.

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 2025-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
According to 15 U.S.C a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I previously requested that the late payments reported on my student loan account be removed because my loans were in deferment during the dates in question. I received a response stating that the information was reporting correctly, but this is inaccurate. 
During the entire deferment period, no payments were due, and therefore no late payments should have been reported. Since my account has entered repayment status, I have consistently made all payments on time. 
I am requesting that the inaccurately reported late payments be corrected and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc.
State: MI

Complaint narrative:
A credit debt has showed up on my account and I don't know what its for. I have received no communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX M & T Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN XXXX Date : XX/XX/XXXX To : 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 Subject : Request for Immediate Investigation and Deletion of Inaccurate or Identity-TheftRelated Information To Whom It May Concern, I am formally requesting the investigation and deletion of inaccurate, unauthorized, or identity-theftrelated information currently appearing on my consumer credit report. These items do not accurately reflect my credit history and, in some cases, may be the result of identity theft or erroneous reporting by furnishers.

Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 15 U.S.C. 1681c, and 15 U.S.C. 1681c-3, I am exercising my rights to dispute and request removal of information that is incomplete, inaccurate, unverifiable, or fraudulent.

Because these accounts are either inaccurate or potentially related to identity theft, I am requesting the following actions : Requested Actions Conduct a complete reinvestigation of each disputed account.

Verify the accuracy and authenticity of all data reported.

If the information can not be fully verified, it must be deleted immediately as required by the FCRA.

Remove any data found to be fraudulent, unauthorized, or reported in error.

Provide me with a written confirmation of each deletion or change.

Attached Documents ( if submitting with evidence ) Copy of my government-issued photo ID Proof of address Identity theft report / police report ( if applicable ) Statement regarding disputed information I am requesting that each bureau complete the reinvestigation and provide results within the required timeline outlined by federal law.

If any item can not be verified by the furnisher with proper documentation, it must be removed.

Thank you for your prompt attention. Please send confirmation of all deletions or changes to my address listed above. 

Sincerely, XXXX XXXX Phone : XXXX Email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
My credit report contains false addresses, an account I do not recognize, and unauthorized inquiries. These errors violate my rights under the FCRA because they do not reflect my identity or credit history. I never lived at the wrong addresses, never opened the chargeoff account, and did not authorize the inquiries. I am requesting immediate correction and removal under federal law. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX -This address is not mine and has never been connected to my profile. Reporting an unverified address violates FCRA 607 ( b ). Laws : FCRA 602A, 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX, VA XXXX -This is not my address and has no connection to me. It creates mixed-file risk and violates accuracy requirements. Laws : FCRA 602A, 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I have no knowledge of this account and I never opened it. A charge-off that does not belong to me violates FCRA 623 ( a ) ( 1 ) ( A ). If it can not be fully verified, it must be deleted. Laws : FCRA 602A, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 611 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX I did not authorize this inquiry. No permissible purpose exists. Laws : FCRA 602A, 604 ( a ) ( 2 ), 607 ( a ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) XXXX XXXX XX/XX/XXXX -I never authorized this inquiry and did not apply with XXXX XXXX Laws : FCRA 602A, 604 ( a ) ( 2 ), 607 ( a ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) I am requesting immediate reinvestigation and removal of all inaccurate items listed above. These errors violate federal law and continue to harm me. I expect full correction and written confirmation in compliance with the 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 2025-11-24 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: AR

Complaint narrative:
I have terrible credit and want my credit repaired

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 2025-11-24 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$31000.00} Late 120 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am filing this complaint because Equifax and Experian continue to report inaccurate and inconsistent information for the XXXX XXXX account ending in XXXX. I have disputed this account more than four times with both credit bureaus over the past year, and they have failed to correct the errors. The reporting remains inconsistent, misleading, and legally noncompliant.

Despite my previous disputes AND my prior CFPB complaint, the bureaus have continued to report contradictory and unverifiable information, including : Different account types Equifax shows Revolving Experian shows Charge Card Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) Different status update dates ( XX/XX/XXXX vs XX/XX/XXXX ) Different charge-off descriptions and write-off details Different late payment months ( CO, 30, 60, 90, 120, 150 days late ) Inconsistent or missing DOFD information These differences create the appearance of multiple different derogatory events, increase score impact, and extend the age of the negative account all in violation of the Fair Credit Reporting Act.

Both credit bureaus have failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ). Each time I dispute, they simply verify the account without addressing the contradictory information I have documented and provided.

FCRA Violations Include : 607 ( b ) failure to ensure maximum possible accuracy 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable/inaccurate information 623 ( a ) ( 3 ) reporting information known to be inaccurate Because the bureaus can not provide consistent, accurate, or verifiable information even after multiple reinvestigations the account is now legally required to be deleted, not updated.

This continued inaccurate reporting is harming my creditworthiness, preventing approvals, and causing ongoing financial harm.

Company response to consumer: Closed with explanation