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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
According to 12CFR1006.38 A CFPB Law, Truist is supposed to cease collections until a respnse is given I requested it on XXXX case number XXXX and still have yet to receive a response. Yet it is still being reported on my credit report

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: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: VA

Complaint narrative:
I myself and my husband paid XXXX XXXX  over thousand dollars per quarter for two years to fix our credit they did absolutely nothing

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/year>, XXXX reported my account 30 days late. I've since provided proof that the account was paid on time and XXXX  and XXXX  has updated my credit file to pay as agreed. However, Experian is still reporting my XXXX account 30 past due.

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: Experian Information Solutions 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX balance {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX balance {$140.00} XXXX XX/XX/year>

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: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: VA

Complaint narrative:
Netspend has extra fees and with the shutdown and not getting paid those fees add up

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My tri-bureau report dated XX/XX/year> shows that the same tradelines are being reported with different balances, dates, credit limits, months-reviewed, and status codes depending on which bureau is pulled.

Examples include several XXXX XXXX XXXX credit cards, an XXXX credit card, a XXXX XXXX credit card, a XXXX/CURRENT auto loan, and a XXXX XXXX XXXX auto account. Data such as credit limits ( sometimes listed as {$0.00} while a balance exists ), high balances, last activity dates, and months-reviewed fields conflict between the bureaus.

I also have collection accounts and multiple hard inquiries where the bureaus have not provided proof of permissible purpose or accurate Metro-2 coding. For instance, the inquiry summary on the same date shows TransUnion with 9 inquiries, Experian with 4, and Equifax with 0, which suggests missing or misreported inquiry data.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), 1681b ( inquiries without clear permissible purpose ), and 15 U.S.C. 1681s-2 ( a ) and ( b ) ( furnishers failing to provide accurate information and correct errors ). They also conflict with Metro-2 ( CDIA ) reporting guidelines. For any collection tradelines, the conduct also implicates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692g ( b ) ( continuing collection activity without proper validation after a dispute ).

I have written disputes to the bureaus demanding verification or deletion of inaccurate and unverifiable information and asking for documentation to support each tradeline and inquiry. So far, the bureaus have not corrected or deleted these items and have not provided adequate documentation.

Because of these issues, my credit profile appears riskier than it truly is, which affects my ability to get fair credit terms. I am asserting at least {$55000.00} in statutory and actual damages under 15 U.S.C. 1681n and 1681o ( and applicable FDCPA provisions ) and I reserve my right to pursue legal action.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Debt Validation Request for Account No. XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, This letter is a formal request for validation of the above-referenced debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently obtained a copy of my credit report from Experian, which shows that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is reporting a collection account. I dispute this alleged debt and request that you provide proper documentation verifying that : You are legally authorized to collect on this debt in my state ; You are the current owner of the debt, including documentation showing the full chain of assignment or ownership from the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, Debt amount {$29000.00} and The alleged account is indeed mine, supported by a signed agreement or contract. Please note that until you provide the requested verification, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency, as required by federal law. If you are unable to provide the requested validation within 30 days, I respectfully request that you delete all references to this account from any and all credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Please send all correspondence and requested documentation to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX DOB : XX/XX/year>

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian is reporting fraudulent and identity-theftrelated accounts, incorrect personal information, and compromised student loan data. 

Experian Violations : FCRA 1681c-2 ( identity theft blocking ) FCRA 1681e ( b ) ( failure to maintain accurate file ) FCRA 1681i ( failure to properly investigate ) Fraudulent Accounts to Delete : All XXXX / XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account Any account tied to wrong addresses Incorrect Personal Information to Remove : All incorrect names All incorrect addresses except XXXX XXXX Any XXXX except XXXX and XXXX XXXX XXXX XXXX variation

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian is reporting fraudulent and identity-theftrelated accounts, incorrect personal information, and compromised student loan data. 

Experian Violations : FCRA 1681c-2 ( identity theft blocking ) FCRA 1681e ( b ) ( failure to maintain accurate file ) FCRA 1681i ( failure to properly investigate ) Fraudulent Accounts to Delete : All XXXX / XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account Any account tied to wrong addresses Incorrect Personal Information to Remove : All incorrect names All incorrect addresses except XXXX XXXX Any XXXX except XXXX and XXXX XXXX XXXX XXXX variation

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am writing in response to your claim that I owe a debt to your company. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically 15 U.S.C 1692g, which grants me the right to request full validation of any alleged debt, and 1692c which governs how and when you may communicate with me. At this time, I dispute the validity and accuracy of this alleged debt. As required by law, please provide : 1. Verification of the alleged debt, including the original creditors name, account number, and the amount allegedly owed.

2. Documentation proving your legal right to collect, including a copy of the assignment, purchase agreement, or contract that grants your agency the authority to collect this account.

3. Complete payment history from the original creditor, showing how the amount you claim was calculated.

4. Copy of original contract signed by me. 

I have not entered into any agreement with your agency, nor have I acknowledged or authorized you to collect any debt on my behalf. 
Until you provide the above information, you must immediately cease all collection activity, including phone calls, letters, and reporting to the credit bureaus. Reporting unverifiable information is a direct violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you must : Cease all collection activity, and Remove any negative information you have placed on my credit reports regarding this account. 
I expect your response within 30 days as required by law.

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: AR

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit reports from Experian, TransUnion, and Equifax concerning my XXXX account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My reports incorrectly show late payments of XXXX  days ( XXXX occurrences ) and XXXX  days ( XXXX occurrences ), as well as an inaccurate account opening date and last payment date. Despite providing XXXX with documentation confirming my on-time payments, these errors continue to appear on my credit files, negatively impacting my creditworthiness and financial opportunities. The inaccuracies have caused significant stress and concern, as my actual payment history is consistent with timely payments, and the reported information does not reflect my true account activity. I have previously disputed these errors with all three credit reporting agencies under the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 1666, and 1666a ), providing supporting evidence, yet the inaccuracies persist, demonstrating a failure to properly verify and correct my account information.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
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

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My tri-bureau report dated XX/XX/year> shows that the same tradelines are being reported with different balances, dates, credit limits, months-reviewed, and status codes depending on which bureau is pulled.

Examples include several XXXX XXXX XXXX credit cards, an XXXX credit card, a XXXX XXXX credit card, a XXXX/CURRENT auto loan, and a XXXX XXXX XXXX auto account. Data such as credit limits ( sometimes listed as {$0.00} while a balance exists ), high balances, last activity dates, and months-reviewed fields conflict between the bureaus.

I also have collection accounts and multiple hard inquiries where the bureaus have not provided proof of permissible purpose or accurate Metro-2 coding. For instance, the inquiry summary on the same date shows TransUnion with 9 inquiries, Experian with 4, and Equifax with 0, which suggests missing or misreported inquiry data.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), 1681b ( inquiries without clear permissible purpose ), and 15 U.S.C. 1681s-2 ( a ) and ( b ) ( furnishers failing to provide accurate information and correct errors ). They also conflict with Metro-2 ( CDIA ) reporting guidelines. For any collection tradelines, the conduct also implicates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692g ( b ) ( continuing collection activity without proper validation after a dispute ).

I have written disputes to the bureaus demanding verification or deletion of inaccurate and unverifiable information and asking for documentation to support each tradeline and inquiry. So far, the bureaus have not corrected or deleted these items and have not provided adequate documentation.

Because of these issues, my credit profile appears riskier than it truly is, which affects my ability to get fair credit terms. I am asserting at least {$55000.00} in statutory and actual damages under 15 U.S.C. 1681n and 1681o ( and applicable FDCPA provisions ) and I reserve my right to pursue legal action.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My tri-bureau report dated XX/XX/year> shows that the same tradelines are being reported with different balances, dates, credit limits, months-reviewed, and status codes depending on which bureau is pulled.

Examples include several XXXX XXXX XXXX credit cards, an XXXX credit card, a XXXX XXXX credit card, a XXXX/CURRENT auto loan, and a XXXX XXXX XXXX auto account. Data such as credit limits ( sometimes listed as {$0.00} while a balance exists ), high balances, last activity dates, and months-reviewed fields conflict between the bureaus.

I also have collection accounts and multiple hard inquiries where the bureaus have not provided proof of permissible purpose or accurate Metro-2 coding. For instance, the inquiry summary on the same date shows TransUnion with 9 inquiries, Experian with 4, and Equifax with 0, which suggests missing or misreported inquiry data.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), 1681b ( inquiries without clear permissible purpose ), and 15 U.S.C. 1681s-2 ( a ) and ( b ) ( furnishers failing to provide accurate information and correct errors ). They also conflict with Metro-2 ( CDIA ) reporting guidelines. For any collection tradelines, the conduct also implicates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692g ( b ) ( continuing collection activity without proper validation after a dispute ).

I have written disputes to the bureaus demanding verification or deletion of inaccurate and unverifiable information and asking for documentation to support each tradeline and inquiry. So far, the bureaus have not corrected or deleted these items and have not provided adequate documentation.

Because of these issues, my credit profile appears riskier than it truly is, which affects my ability to get fair credit terms. I am asserting at least {$55000.00} in statutory and actual damages under 15 U.S.C. 1681n and 1681o ( and applicable FDCPA provisions ) and I reserve my right to pursue legal action.

Company response to consumer: Closed with non-monetary relief