vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an inaccurate late payment reported on my credit file for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$130000.00}. The account shows a late payment that does not accurately reflect my actual payment history. Despite my prior submission, this inaccurate information remains on my credit report without verification or explanation, which is a violation of the reinvestigation requirements under FCRA 611 and the obligations of furnishers and credit reporting agencies to ensure maximum possible accuracy under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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

Complaint narrative:
I am disputing the inaccurate and unverifiable reporting of private student loan accounts originally serviced by XXXX XXXX XXXX XXXX XXXX These accounts were charged off and closed years ago, yet continue to appear on my credit reports from Experian, Equifax, and TransUnion as active debts owed. 

The accounts in question are : XXXX Account # XXXX closed and charged off, still reporting as open with a balance. 
Any additional XXXX private loan accounts originally transferred, sold, or written off without proper notice or documentation. 

I have previously filed CFPB complaints regarding these same accounts : XXXX ( Experian ) XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) All of those cases were closed as non-monetary relief / active dispute, yet the inaccurate reporting has not been corrected. 

On XX/XX/year>, XXXX sent a letter with an identity theft affidavit packet, which does not apply to my situation. I never alleged identity theft my complaint is about inaccurate and unverifiable reporting under the Fair Credit Reporting Act ( FCRA ). 

I have contacted XXXX several times by phone and certified mail. XXXX confirmed that it has no active record of these accounts, but continues to furnish data to the credit bureaus. These tradelines are negatively impacting my credit score and inflating my debt-to-income ratio. 

I request that the CFPB require XXXX, Experian, XXXX and XXXX to conduct a full validation and investigation of these accounts, provide written documentation of ownership and reporting authority, and remove or correct all inaccurate, incomplete, or unverifiable data.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by National Credit Systems ( NCS ) for Post Oak Apartments in the amount of {$22000.00}. 

Post oak apartment issued a written Notice to Vacate on XX/XX/year>, showing a balance of only {$4100.00} and requiring me to vacate by XX/XX/year>. I complied and moved out. 

Afterward, NCS began reporting a balance of {$22000.00} that includes insufficient notice, early termination, and reletting fees, even though the landlord had already terminated the lease and ordered me to vacate. 

I believe this information is inaccurate, inflated, and unverifiable under the Fair Credit Reporting Act ( FCRA 611 & 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807 & 809 ). 
I requested validation and supporting documentation, but NCS only provided a move-out statement that contradicts the landlords own notice.

Please require NCS to provide documented verification of this alleged debt or delete the tradeline from all consumer reporting agencies.

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

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXXXX/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 2025-11-11 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: MO

Complaint narrative:
I am filing this complaint because Experian continues to report false and misleading fraud alerts, high-risk address classifications, and non-residential or hotel/motel address labels on my credit file. These entries are completely inaccurate and have never been verified with me. I have disputed this information several times, providing proof of identity and valid documentation, but Experian has failed to correct or delete the errors. 

My credit file includes statements claiming my addresses are associated with fraud, hotels, or non-residential businesses, and it contains a security alert warning lenders not to extend credit without direct verification. I never authorized that alert, and it was not placed by me. These errors make it appear as if I am engaged in suspicious activity, which is false and highly damaging. 

Because of Experians negligence, I have experienced repeated denials for housing and housing-assistance programs, as well as other forms of financial aid. Each denial cites high-risk or unverifiable information that originates from Experians reporting. This has caused significant hardship and loss of opportunity. 

I have contacted Experian multiple times in writing and by phone asking them to remove the incorrect alerts, delete the false high-risk address classifications, and update my file to show only verified and accurate information. Despite these efforts, Experian continues to publish and share these errors with lenders and screening agencies. 

These actions violate the Fair Credit Reporting Act, including Experians duty to maintain accuracy and conduct a reasonable reinvestigation when a consumer disputes information. I am requesting that the CFPB require Experian to immediately : Delete all unauthorized fraud or security alerts. 
Remove all false address classifications and high-risk designations. 
Correct my file so only verified information remains. 
Provide written confirmation that the inaccurate information has been removed and will no longer be shared with any XXXX  party. 

These errors are harming my ability to secure stable housing and basic financial stability, and Experians continued inaction has left me with no choice but to seek CFPB assistance for resolution.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX suspended my account for unusual activity, I currently have {$460.00} in my account and they are withholding it and wont allow me to transfer it. I have only received XXXX email stating my account has been suspended and requested a picture of my id. I responded immediately with a picture of my Id, and asked id they can explain why my account is frozen and I can not access my funds. I have not received a email back yet and it has been XXXX days. I would like to withdraw my funds and never use the platform again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 filing this complaint against for reporting inaccurate, incomplete, and unverifiable information on my credit report, including incorrect addresses, inconsistent charge-off account data, erroneous collection entries, and unauthorized credit inquiries. These errors have significantly affected my credit score, financial opportunities, and overall financial well-being.

Details of the Complaint I recently reviewed my TransUnion credit report and discovered several items that are inaccurate or unverifiable. These issues have caused undue harm to my credit standing and violate the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my best efforts to maintain accurate records and pay my obligations responsibly, my report contains errors that do not reflect my true credit history. 

Inaccurate Address Reporting XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely incorrect or outdated and do not correspond to any address where I have lived. Their continued appearance on my report raises serious concerns about data accuracy and proper verification procedures by TransUnion. 

Charge-Off Accounts with Questionable Reporting XXXX XXXX ( Acct. ending XXXX ) Balance {$19000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX ( Acct. ending XXXX ) Balance {$20000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX  ( Acct. ending XXXX ) Balance {$1400.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These accounts show inconsistent reporting between the date of last activity and date reported, suggesting the data may be inaccurate or outdated. If TransUnion or the furnishers can not provide verifiable documentation confirming these details, these accounts should be corrected or deleted. 

Inaccurate Collection Accounts XXXX XXXX / Original Creditor XXXX XXXX XXXX XXXX Balance {$750.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX/ Original Creditor : XXXX  ( Acct. ending XXXX ) Balance {$0.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These collections contain conflicting and unverifiable data. The XXXX account reflects questionable reporting, while the XXXX account should not remain on my report if the balance is {$0.00} and the account has been resolved.

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 2025-11-11 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 against for reporting inaccurate, incomplete, and unverifiable information on my credit report, including incorrect addresses, inconsistent charge-off account data, erroneous collection entries, and unauthorized credit inquiries. These errors have significantly affected my credit score, financial opportunities, and overall financial well-being.

Details of the Complaint I recently reviewed my TransUnion credit report and discovered several items that are inaccurate or unverifiable. These issues have caused undue harm to my credit standing and violate the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my best efforts to maintain accurate records and pay my obligations responsibly, my report contains errors that do not reflect my true credit history. 

Inaccurate Address Reporting XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely incorrect or outdated and do not correspond to any address where I have lived. Their continued appearance on my report raises serious concerns about data accuracy and proper verification procedures by TransUnion. 

Charge-Off Accounts with Questionable Reporting XXXX XXXX ( Acct. ending XXXX ) Balance {$19000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX ( Acct. ending XXXX ) Balance {$20000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX  ( Acct. ending XXXX ) Balance {$1400.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These accounts show inconsistent reporting between the date of last activity and date reported, suggesting the data may be inaccurate or outdated. If TransUnion or the furnishers can not provide verifiable documentation confirming these details, these accounts should be corrected or deleted. 

Inaccurate Collection Accounts XXXX XXXX / Original Creditor XXXX XXXX XXXX XXXX Balance {$750.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX/ Original Creditor : XXXX  ( Acct. ending XXXX ) Balance {$0.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These collections contain conflicting and unverifiable data. The XXXX account reflects questionable reporting, while the XXXX account should not remain on my report if the balance is {$0.00} and the account has been resolved.

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

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 explanation
Consumer complaint received 2025-11-11 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:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filling a formal complaint regarding inaccurate credit reporting by Credit Acceptance I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 requires credit reporting to be fair, accurate, and verified.

616-617 hold furnishers and credit bureaus liable for willful or negligent noncompliance.

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 2025-11-11 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: GA

Complaint narrative:
After a recent review of my credit report, I identified several entries that are inaccurate, misleading, or unverifiable based on my verified financial records. These accounts and inquiries create an unfair and inaccurate representation of my creditworthiness and appear to be either obsolete, incorrectly reported, or lacking proper verification. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting a reinvestigation and the permanent deletion of the following items from my credit file, as they do not meet the accuracy, completeness, or verifiability standards required under federal law : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$520.00} XXXX XXXX Original creditor : XXXX IN XXXX XXXX Balance {$410.00} XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification consisting of a formal declaration where you swear to the truths of the statement of the facts of matter, have first knowledged and must be notarized. I would like to request the assigned contract along with proof that you have obligations to collect this debt. 

Since this debt has been disputed pursuant to the Fair Debt Collection Practices Acy, you are required to cease all collection of this alleged debt which includes reporting to my consumer with XXXX XXXX XXXX XXXX. 

I hereby, inform you that you do not have my consent to communicate with me through any medium.. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. Also, I did not consent to you reporting information in my name to the consumer reporting agencies.

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

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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