vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to formally dispute an entry on my credit report regarding account number [ insert account number ]. I believe the terms associated with this account are invalid and require immediate attention. 

After reviewing my credit report, I noticed that this account incorrectly reflects [ describe the specific terms or information that you believe are incorrect, e.g., late payments, balance, etc. ]. According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is incorrect. 

I request that you investigate this matter and verify the accuracy of the account terms with the original creditor If the investigation determines that the account terms are incorrect, I request that is account be removed immediately for continuing improper negligence reporting These companies are not following the laws I request the account immediately be removed for improper reporting

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 2025-10-22 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I am being sued by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

Original amount : {$11000.00} Original date : XX/XX/XXXX Current balance : {$22000.00} or {$230000.00} XXXX XXXX are garnishing my wages. Approximately {$530.00} per paycheck. The first garnish was Wednesday, XX/XX/XXXX. 

I do not owe this debt that is XXXX XXXX XXXX. I have never seen it on my credit report. 

I would like to stop the garnishment, cancel the debt ( the amount owed ), and refunded the first garnish. 

I have all pertinent information upon request. 

Warm regards.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Account in Question : Navy Federal Credit Union Account Ending in XXXX Reported Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Closed/Never Late Date Updated : XX/XX/XXXX Dear Navy Federal Credit Union and Credit Bureaus , I am writing to formally dispute and request full validation of the above-referenced account, which is being reported on my credit report. According to my recent XXXX  credit report, this account shows as Closed at credit grantors request with a reported balance of {$1200.00} and credit usage of 102 %. However, this information appears inaccurate and incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I have the right to request that only accurate, complete, and verifiable information be reported to the credit bureaus. If this account can not be verified with full supporting documentation, it must be immediately deleted or corrected from all credit reporting agencies.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting that Navy Federal Credit Union provide proper validation of this alleged debt, including : 1. A copy of any original signed contract or agreement that establishes my liability. 
2. A full payment history with dates, amounts, and methods of payment.

3. The date and method this account was closed, and by whom.

4. Documentation showing that this account is not being reported in error and that the balance claimed is accurate.

If this information can not be verified within 30 days, you are required to cease reporting this account to all credit reporting agencies and delete the entry in compliance with the FCRA. 

Please note that continued reporting of unverified or inaccurate information is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor have reasonable cause to believeis inaccurate. Failure to comply may result in legal action to enforce my rights. 

I expect written confirmation that either : The account has been fully verified with supporting documentation, or The account has been deleted or corrected from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The documents you provided do not constitute proper validation under the Fair Debt Collection Practices Act. The information is incomplete, redacted, and fails to demonstrate that I am legally obligated for the alleged debt. Since you have not provided sufficient verification, I request that you delete or remove any related negative information from my credit reports with all credit reporting agencies, as continued reporting of unverified information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Until full validation is provided, you are required to cease all collection and reporting activity related to this account. Any further attempt to collect, sell, or report this unverified debt will be considered a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I paid off my Wells Fargo auto loan when I did a separate refinance loan on my house. The lender that did the refinance sent me a copy of the check showing that Wells Fargo endorsed and cashed the check on XX/XX/year>.. Shortly after Wells Fargo sent me the title to the car that was paid off. The problem is Wells Fargo is saying that hey didn't get any check and repossesed my car. I have proof that Wells Fargo was paid off but they are denying that they were and repossessed my car and the repossession on my credit report dropped mine and my son 's, who I cosigned for on the car loan, score substaintailly. We are trying to get our car back and get the repossession removed from our credit report. I had had to pay for a rental car for my son in the meantime which has been very expensive and I would like to be reimbursed for that as well. I have XXXX XXXX and have been going through treatment through all of this and it has caused extreme stress in mine and my family 's life.

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 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of a debt associated with University of XXXX XXXX on my credit report. I attended this institution for my college education ; however, the school has been closed for several years and is no longer operating. 

Despite its closure, I have noticed that the institution and the staff are still attempting to collect payment. I believe this is both inappropriate and unfair, particularly considering the circumstances surrounding the school 's operations and closure. 

The school did not act in good faith with respect to its curriculum and educational agenda. The quality of education provided was not in line with what was advertised or promised. Many students, including myself, were misled regarding accreditation, job placement expectations, and the transferability of credits. These issues not only affected the value of the education I received but also left me with limited options once the school shut down. 

Given the above, I am requesting that this debt be removed from my credit report. I am also asking that any further collection efforts be ceased immediately, as the continued pursuit of this debt is both unwarranted and potentially in violation of consumer protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be verified, I ask that they be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Reported Fields : Balance : {$1600.00}, Status : Unpaid, Date Opened : XX/XX/year>, Status Updated : XX/XX/year> Issue : The account is reported as unpaid, affecting my creditworthiness. I have no recollection of this debt, and the details are not adequately verified. 

Legal Reference : Under FCRA, 15 U.S.C. 1681i ( a ), consumers have the right to dispute incomplete or inaccurate information. The reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX XXXX Reference : The " Account Status and Balance '' fields require verification. The correct expected values should be verified against original creditor documentation.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my credit report. The item I am disputing is inaccurate and incomplete, and I am requesting that it be investigated and removed or corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The data does not match the information that is being reported on another credit servicer. 

As required by the FCRA, I expect you to complete the investigation within 30 days of receipt of this letter. If your investigation results in a change, please send me an updated copy of my credit report. If you do not remove or correct the item, please include a statement of the procedure used during your investigation and the contact information of the entity that verified the accuracy of the disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 submitting this complaint to dispute inaccurate reporting of late payments on multiple accounts listed on my credit report, which are negatively affecting my credit profile. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX AUTO XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$43.00} AFFIRM XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ( tied up ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Upon reviewing my credit report, I have found that these accounts are inaccurately reported with late payment entries that do not match my actual payment history. These errors misrepresent my financial responsibility and create a misleading impression of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), XXXX U.S.C. XXXX ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Additionally, FCRA Section XXXX ( a ), XXXX U.S.C. XXXX ( a ), grants me the right to dispute any information I believe to be inaccurate and to have it corrected within a reasonable period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting of late payments on multiple accounts listed on my credit report, which are negatively affecting my credit profile. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX AUTO XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$43.00} AFFIRM XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ( tied up ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Upon reviewing my credit report, I have found that these accounts are inaccurately reported with late payment entries that do not match my actual payment history. These errors misrepresent my financial responsibility and create a misleading impression of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), XXXX U.S.C. XXXX ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Additionally, FCRA Section XXXX ( a ), XXXX U.S.C. XXXX ( a ), grants me the right to dispute any information I believe to be inaccurate and to have it corrected within a reasonable period.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit reports under slightly different names across all three bureaus listed by XXXX  as MIDLAND CREDIT MANAG, by XXXX  as MIDLAND CREDIT MANAGEM, and by TransUnion as MIDLAND CRED.

I dont recognize this account and dispute it as inaccurate and unverified. I have never received any notice, validation, or documentation from Midland establishing that this alleged account is valid or that Midland has any legal right to collect or report it. No evidence has been provided demonstrating a legitimate consumer relationship, signed agreement, or proof of assignment or ownership of the alleged debt. 

Reporting an unverified and unrecognized account violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false or misleading representations about the character, amount, or legal status of a debt, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to ensure accuracy and remove unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CT

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: LA

Complaint narrative:
The account from United Auto Credit is reporting an incorrect balance of {$12000.00}. This balance is not accurate. I have not received any documentation from the company verifying this amount, nor was I notified of any delinquency or charge-off. I request that XXXX contact United Auto Credit to verify the accuracy of the reported balance and provide documentation supporting the amount. If the company can not validate this debt with proper records, please remove or correct the account from my credit report under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of an open account on my credit file that does not accurately reflect my financial history. The account in question is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$0.00}, showing multiple late payments : XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late, and XXXX XXXX  120 days late. 
I have reviewed my records carefully, and this account was never in the state reported. In addition, I have noticed that this same account is being reported as closed across other credit reporting entities, further indicating inconsistencies and inaccuracies that need immediate correction. 
As a responsible consumer, I am invoking my rights under FCRA 609 ( a ), which allows me to request verification of any information appearing on my credit report. Moreover, FCRA 607 ( b ) requires that reasonable procedures be in place to ensure the maximum possible accuracy of all reported information. The discrepancies in this account clearly suggest that these procedures have not been properly followed. 
Additionally, FCRA 611 ( a ) ( 1 ) provides consumers the right to dispute any information that is incomplete or inaccurate, and FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to report accurate and complete data. Based on these provisions, I respectfully request a comprehensive reinvestigation of this account, correction of the inaccurate late payment history, and verification that the account is correctly reported as closed and accurate across all reporting platforms.

Company response to consumer: Closed with explanation