vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting inconsistent, incorrect, and conflicting information about the same loan account from XXXX XXXX. These errors materially affect my credit profile and violate the requirement for furnishers to report accurate and consistent information under the FCRA ( Fair Credit Reporting Act ). 

Below is a summary of the inaccuracies, taken directly from my current credit reports : 1. The same loan is being reported with different names, balances, statuses, and dates across all three bureaus. 

Equifax Creditor Name : Friendly Loans Account Type : Installment Date Opened : XX/XX/XXXX Status : Charge-off Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Charged off account Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Creditor Name : XXXX XXXX XXXXXXXX Account Type : Note Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$100.00} Past Due : {$100.00} Last Payment Date : XX/XX/XXXX No charge-off comment listed Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Creditor Name : XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Status : Charged off as bad debt Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Profit and loss writeoff Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Specific inaccuracies across reports Different creditor names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) appear for the same account. 
Different balances are being reported ( {$100.00} vs. {$160.00} ). 
Different past-due amounts ( {$100.00} vs. {$160.00} ). 
Different charge-off details and comments. 
Different status updated dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 
Different addresses for the same creditor. 
Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Experian shows {$100.00} written off, while the other bureaus do not. 
Experian reports a Note Loan, while Equifax and TransUnion report Installment account. 
These inconsistent records make it impossible for this tradeline to be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: WV

Complaint narrative:
I have disputed with all 3 reporting agencies. I would like all addresses except XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX removed from my credit report. 

As well as names other then XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: WV

Complaint narrative:
I have disputed with all 3 reporting agencies. I would like all addresses except XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX removed from my credit report. 

As well as names other then 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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a complaint with the CFPB, Complaint # XXXX. Midland Credit Management responded to this complaint on XX/XX/year>. In their response they acknowledged they would respect the Cease & Desist Order I requested unless the law required otherwise. No legal action has been undertaken. 
Midland Credit Management is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by willfully ignoring the Cease & Desist Order. They have called me 13 times or more and I have had conversations with them telling them they are in violation. However, the have no compunction for the law and continue to disregard it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I received a Pre-Legal Notice from XXXX XXXX XXXX ( XXXX  ) claiming to collect on an alleged Citibank credit card account. The letter was dated XX/XX/year>, but it was mailed days later in a XXXX XXXX envelope, showing a label creation date of XX/XX/year> and delivery on XX/XX/year>. The letter was back-dated, which created a false sense of urgency and misrepresented the time I had to respond. 
This was the first communication I ever received from XXXX. The letter did not include the required validation-of-debt disclosures under 15 U.S.C. 1692g ( a ), including notice of my right to dispute the debt within 30 days. It also failed to provide the mandatory statement that this is an attempt to collect a debt, as required by 1692e ( 11 ).

The notice suggested that the account may be forwarded to an attorney for possible litigation, even though the communication appeared to be a mass-produced form letter with no actual attorney involvement. This is misleading and violates 1692e ( 5 ) and 1692e ( 10 ), which prohibit threatening legal action that is not intended or legally permissible and misleading consumers about potential consequences. 
The combination of the false mailing date, omission of validation rights, and suggestion of imminent attorney review made the communication deceptive and confusing. Federal courts have repeatedly found similar conduct by XXXX to violate the FDCPA. I am requesting that the CFPB review these practices and ensure compliance with federal and state debt-collection laws.

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 2025-11-30 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please, I need to remove these negative accounts because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the reporting of the XXXXXXXX XXXX XXXX  account that appears on my credit report. XXXX  has already * * deleted this account * * following their reinvestigation dated XX/XX/year>, because the furnisher could not verify the accuracy of the information provided. Under federal law, all information that remains on my consumer report must be * * accurate, complete, and verifiable * *. Since the furnisher failed to verify this account with XXXX, it can not be verified with your bureau either. This dispute is made pursuant to the following legal provisions : * * FCRA 611 ( 15 U.S.C. 1681i ) * * Requires you to conduct a reasonable reinvestigation of any disputed information and delete or correct information that can not be verified. * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * Requires consumer reporting agencies to maintain maximum possible accuracy in credit files. * * FCRA 602 ( A ) * * Protects consumers from incomplete, inaccurate, or unverifiable credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington Bank claims that I am delinquent {$770.00} on my auto loan for a XXXX XXXX XXXX I have every transaction for the last XXXX years showing that I have never missed a payment. The bank is intentionally restricting my access to my full payment history online, violating my right to view documentation that would prove this {$770.00} balance is based on fraudulent, compounded fees. I demand my full transaction history from the time the loan was opened. 

I spoke to their agent about these erroneous charges, who transferred me to a supervisor when he could not explain why they were there. He mentioned missing the 10 day grace period a couple times in XXXX and XXXX. However, as I informed him, I already spoke to someone and resolved the issue. The supervisor refused to acknowledge my prior discussions with their representative. 

The supervisor admitted in the recorded call that my account was 'Current ' after the XX/XX/XXXX double payment. This admission proves my account can not simultaneously be 'Current ' and justify a five-year delinquency. '' They are purposely fee stacking on fees that do not actually exist. They waiting until I am a few months away from paying off my loan to attack me with false fees in an attempt to make me lose my car right at the end of the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
Multiple times we have called ( myself and co-signer ) we have been on payment schedules for over a year. We are still behind on our loans partly due to a change of employment but mostly because Sallie Mae negligently adviced my father ( the co-signer ) to set up a payment arrangement on the account but they bill all 4 loans seperately so the two loans that were past due were the only loans accounted for out of 4 total this created a cycle of payments where we had thought things were getting back on a straight path however now the other two loans are past due all because when they set the arrangement the date was for after the loans become due each month. So, instead of paying on time for over a year we find out about a month and a half ago that the account is at 90 days still because we were paying the bill but paying it late. This cycle of lateness was caused by them and its having detrimental effects on my credit, and livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: PA

Complaint narrative:
I'm writing to formally dispute the inaccurate and misleading XXXX  information currently appearing on my Equifax credit report. My Equifax file reflected an alleged XXXX  filing and has since been removed for the reason stated below. My report shows multiple accounts reported as included in XXXX  or XXXX in XXXX. These entries are incorrect, and I request immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ). 
I had contacted Equifax regarding this matter, and I was informed that the XXXX  data originated from XXXX. To verify this, I obtained written documentation directly from XXXX XXXX XXXX XXXX XXXX XXXX, confirming that they have no record whatsoever of any XXXX  filing associated with my name, Social Security number, or address. 
If XXXX the data provider relied upon by Equifax has no XXXX  record on file, then there is * no legitimate basis * for Equifax to report any accounts as included in or XXXX in XXXX. Without a valid XXXX case number, court docket, or any official filing, these entries are * * inaccurate, unverifiable, and misleading * * to potential creditors. 
The continued reporting of this information violates my rights under the Fair Credit Reporting Act, including but not limited to : * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * Duty to follow reasonable procedures to assure maximum possible accuracy.

* * FCRA 611 ( 15 U.S.C. 1681i ) * * Requirement to conduct a reasonable reinvestigation and delete any information that can not be verified. 
* * FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) * * Congressional findings stressing accuracy, fairness, and privacy in consumer reporting.

I request the following actions be taken immediately : 1. Delete all accounts improperly marked as included in XXXX  or XXXX in XXXX. 
2. Provide me with written confirmation of the results of your reinvestigation and an updated copy of my credit report. * * Attached is the written verification from XXXX confirming that no XXXX  record exists under my personal information and accounts needing removal. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
After reviewing my credit reports, I noticed multiple collection accounts and inquiries that I do not recognize or did not authorize. I have not received proper validation or documentation regarding these debts, and I am concerned that some may be inaccurate, outdated, or the result of identity theft or unauthorized activity. In accordance with my rights under the Fair Debt Collection Practices Act FDCPA and the Fair Credit Reporting Act FCRA, I am requesting full validation of each alleged debt, including assignment contracts and proof of legal authority to collect. This letter is being sent to ensure that only accurate, verified information is reported and to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA 602, 611, and 623 ), furnishers must provide accurate, complete, and fully verified information.

The servicer has not provided proper validation or documentation supporting the reported late payments.

I respectfully request the CFPB to investigate and ensure the servicer : 1. Conducts a full and proper investigation, 2. Provides complete verification of the reported late payments, and 3. Updates the late payments to positive or removes any information that is inaccurate, unverified, or not reported in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPT OF ED XXXX ACCOUNT 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint regarding Equifaxs continued reporting of a disputed collection account furnished by XXXX XXXX XXXX for an alleged balance of {$6300.00} from the property known as The XXXX AZ, originally assigned on XX/XX/XXXX and most recently reported on XX/XX/XXXX. This account is inaccurate, incomplete, and unverifiable, and Equifax has failed to conduct or document a reasonable reinvestigation as required under federal law.

Under FCRA 602 ( a ), credit reporting must be fair, accurate, and verifiable. Under FCRA 607 ( b ), Equifax is required to maintain reasonable procedures to assure maximum possible accuracy. Under FCRA 611 ( a ), Equifax must conduct a reasonable reinvestigation once a consumer disputes an account. Additionally, FCRA 623 ( b ) requires the furnisher ( XXXX XXXX XXXX ) to conduct a lawful investigation and provide evidence supporting the reporting. 

Despite these requirements, neither Equifax nor XXXX XXXX has produced any documentation validating this alleged debt. I have not been provided ( by either party ) any of the legally required documents, including but not limited to : A signed lease agreement Move-in inspection report or move-out inspection report An itemized final account statement showing how the amount of {$6300.00} was calculated Notice of any charges at or after move-out A full ledger of alleged rent, fees, or damages Date of First Delinquency ( DOFD ) documentation Proof that I was notified of a balance prior to collection assignment Proof that XXXX XXXX has legal authority or assignment Equifax verified this account without providing any supporting documents, which raises concerns that Equifax conducted a parrot investigation relying solely on the furnishers automated response rather than obtaining actual evidence. This violates FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 3 ), which require a meaningful reinvestigation and a description of the procedure used. 

Furthermore, XXXX XXXX XXXX has not provided any FDCPA 809 ( a ) verification to support the alleged charges, and Equifax continues reporting information that is unverified and may be materially false.

Because no evidence has been provided to substantiate liability, calculation of the balance, or accuracy of reporting, the account is inaccurate under FCRA 602, unverifiable under FCRA 611, and improperly furnished under FCRA 623.

I have submitted disputes, yet Equifax continues to report this account despite no underlying documentation existing or being produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation