vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, duplicate, and internally contradictory credit reporting, despite receiving my prior written disputes. I previously disputed these errors in writing on XX/XX/year>, and again through a Second Notice dated XX/XX/year>. Equifax has failed to conduct a lawful reinvestigation and continues to publish materially misleading information on my credit file. 

Specifically, Equifax is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX obligation under different account numbers, each containing conflicting dispute remarks, inconsistent payment history percentages, and contradictory account data. These tradelines simultaneously reflect statuses such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer, while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates Equifaxs duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

In addition, Equifax continues to inaccurately report my XXXX XXXX XXXXXXXX account. This account contains incorrect and/or misleading information that was clearly disputed and remains unresolved. Equifax has continued to publish this account without correcting or properly verifying the disputed data, constituting a separate violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ). Simply re-reporting disputed information without resolving inaccuracies does not meet the legal standard for verification under the FCRA. 

If Equifax claims it has verified these accounts, it must be able to identify which single tradeline is accurate and explain how multiple conflicting versions of the same obligation can lawfully coexist. Equifax has failed to provide any meaningful explanation, documentation, or method of verification as required by federal law. The continued presence of these inaccuracies has caused ongoing harm to my credit profile and demonstrates a systemic failure to conduct a reasonable reinvestigation. 

Equifax has been given multiple opportunities to correct these errors and bring my credit file into compliance. Its continued inaction and inaccurate reporting reflect willful noncompliance with the FCRA and leave me no alternative but to seek regulatory intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: CO

Complaint narrative:
I have not spoken with anyone from TrueAccord, ever. Yesterday they reached out to me via my WORK email at XXXX an email address that was never provided to them, nor were they given permission to contact me at all. As per their own admission provided in the email, this debt is from XX/XX/year>- far beyond the statute of limitations for debt collection in Colorado [ 6 years ]. The time period for legal collection practices has expired and they are violating the law by continuing to contact me. I demand that TrueAccord cease and desist any further communications with me, regardless of communication medium : text message ( both personal and work ) /email ( both personal and work ) /phone ( both personal and work ) /mail ( both personal and work ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I have been making payments over XXXX for almost 3 years now and am now unable to pay anymore. I called multiple times to try and work something out with them, and they refused to work with me at all until I missed a payment. Then they were '' able '' to rework my loan to knock XXXX off of the payment a month but extend it out to the original timeline of my loan which was 6 years. I can not afford this still and they added another 3 years onto the life of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
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
Consumer complaint received 2025-12-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have been enrolled as a full-time student for the past three years. My loans were in forebearance, and should now be in deferment. But my loan provider has not changed my status to deferment, and has reported my account as missing payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account shown is not connected to me in any way.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: WA

Complaint narrative:
Kovo, Inc. is reporting a tradeline on my credit report that contains inaccurate and misleading information, including late payment reporting and delinquency status. 

I dispute the accuracy of this reporting. Kovo has not provided documentation demonstrating a signed agreement, a complete payment history, or evidence supporting the reported late payments. 

Despite disputes, the tradeline continues to report delinquent status and late payments, which is negatively impacting my credit profile. This raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

I am requesting that Kovo either correct or delete the inaccurate information or provide full documentation verifying the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX -Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XX/XX/XXXX -Balance : {$21000.00} XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX -Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX -Balance : {$230.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OR

Complaint narrative:
enrolled in XXXX and ordered their aligners, which I began using as instructed. Shortly after starting treatment, I experienced severe and extreme pain in my teeth, well beyond normal discomfort. Because of this, I intended to contact XXXX to address these medical concerns and my treatment plan. 

Before I was able to do so, I discovered that XXXX filed for bankruptcy and ceased operations, which resulted in the abrupt termination of my treatment and access to care. The company stopped providing services, and there was no longer a functioning customer support system or medical provider available to address my concerns. 

Despite the discontinuation of services, I continued to be billed. Over the past year, I have received repeated emails, phone calls, and voicemails regarding this balance. I made multiple attempts to contact XXXX directly, only to learn that the company no longer exists and that the alleged debt had been transferred to a third-party collection company. 

In addition, I was contacted by a highly aggressive and unprofessional third-party company that repeatedly called and harassed me and requested my Social Security XXXX XXXX the phone. I did not provide this information. Given the XXXX bankruptcy, the lack of services, and the absence of a legitimate providerthis request raised serious concerns about privacy, legality, and potential fraud. 

I believe it is unreasonable and unjust to be required to pay for a service that was never completed, is no longer provided, and for which there is no legitimate entity available to answer medical or billing questions. My dental condition has worsened due to the lack of continued care, and I am left without accountability from the original provider. 

The remaining balance is approximately {$300.00}, which I am formally disputing. I refuse to pay for a service that was discontinued due to the companys bankruptcy. This unresolved matter has negatively impacted my credit, and I am seeking resolution and removal of this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information on file provides a misleading and partial depiction of my financial conduct. I respectfully request a formal inquiry and the proper corrective measures.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-18 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A {$600.00} authorization hold was placed on my Bank of America checking account for an online debit transaction for XXXX of {$600.00} - the next morning, day of pickup, I had buyers remorse and I cancelled my XXXX order. I have confirmed twice directly with the merchant that they fully reversed and released the authorization on their end. Despite this, the hold remains active in my account, and my available balance is still reduced by exactly {$600.00}. 
Bank of America representatives have informed me that their system shows the reversal was processed as early as XX/XX/year>, but my available balance has never increased to reflect this. I have called multiple times, spoken with supervisors, gone to physical branches and spoken with managers and provided details of the merchants confirmations, but the bank has not released the funds or provided a temporary credit. This has been ongoing for weeks, far exceeding their own policy that authorization holds should release upon merchant reversal or within 3-5 business days. The continued hold is preventing me from accessing my own money and causing significant financial hardship.

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 2025-12-18 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-18 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are being reported on my Experian credit report, and I dispute their accuracy : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} I request that these accounts be verified or deleted if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiry is listed on my Experian credit report, and I dispute its validity. I request verification of permissible purpose for this inquiry, or immediate removal : XXXX XXXX Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX XXXX Account number : XXXXXXXX XXXX XXXX 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