vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

The account in question, [ XXXX XXXX ], [ XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate, incomplete, and unauthorized reporting of a closed educational installment account by DEPTEDXXXX account XXXX XXXX, to all three major credit bureaus ( TransUnion, Experian, and Equifax ).

Violations The account was closed in XXXX, with a {$0.00} balance, and has remained inactive for over 8 years. It should have been removed under the Fair Credit Reporting Act ( FCRA ), which limits negative information to 7 years. The account is past the reporting statute and should be deleted entirely, not remain marked as " current '' or active.

The payment status is listed as " Current '' despite the fact that the loan has been paid in full and closed since 2016. This is misleading and inaccurate, artificially impacting my credit profile. 
The account still contains comments such as Dispute resolved ; reported by grantor, which implies unresolved prior disputes even after full resolution. This may violate FCRA 607 ( b ) ( requiring maximum possible accuracy ) and FCRA 605B ( handling of disputes ).

FERPA Violation Notification : I am also adding that XXXX XXXX and DOGE ( Department of Government Entities ) were granted unauthorized access to educational records, which include federal student loan data. There are public articles and documented evidence confirming this breach of privacy. This violates FERPA ( Family Educational Rights and Privacy Act ), and any organization reporting or using this educational data should be held accountable for maintaining its confidentiality and integrity. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Trans Union and Equifax recording so fraudulent inquiries I was advised they will be removed within 5 to 7 business days. The inquiries are still as of today on the credit report. 


On XX/XX/XXXX my credit score dropped XXXX ponts for no reason. I have no late payments. I have not done any inquiries or taking out any new accounts. Upon calling Trans Union and Equifax, regarding the drop of scores customer service can not provide to me. The reason the credit dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to finance a mattress purchase at XXXX XXXX and they offered to help me apply for financing, which I accepted. They were financing through XXXX XXXX and I knew I would have to unfreeze my credit. Initially I was told, just XXXX, which I was able to temporarily lift the freeze on my smartphone right away. XXXX XXXX called while I was in the store to say I needed to unfreeze my Equifax report. I tried to do the same thing with Equifax and when I logged into my account, it said the service wasn't available and I had to call a number. I called the number provided and first had to confirm initial information, which I passed, but then their phone menu system asked very vague questions about items on my credit report that I could not pass. I tried three times, twice at the store and once more at home when it gave me the same " must call '' message when I tried to login on my computer. So I had an idea. Sure enough if I signed up for their {$9.00} a month monitoring it let me sign into my account just fine. So there was no problem with my login credentials or my account. I was able to lift the credit freeze temporarily and complete my credit approval after that. Essentially EQUIFAX REQUIRES YOU TO HAVE A MONTHLY SUBSCRIPTION TO ALLOW YOU TO SIGN INTO YOUR ACCOUNT AND LIFT A CREDIT FREEZE That means the lifting of the credit freeze is NOT free. I also temporarily lifted the freeze on my XXXX account without a problem. So it is only EQUIFAX that is the problem. They should be fined for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a letter below to Capital One, XXXXXXXX XXXX XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. 

I sent a follow up letter to the same companies on XX/XX/year> because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year> Subject : Request for Verification of Accounts Under Section 609 FCRA Dear Credit Bureau, I am writing to formally dispute and request verification of the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 609. According to the FCRA, I am entitled to full disclosure of the records and sources used to report these accounts. If you can not verify them, they must be removed immediately from my credit file. 
The following accounts require verification : [ XXXX XXXX ] Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the following : A copy of the original signed contract or agreement proving I authorized these accounts. 


The method used to verify the accounts. 


The name and contact information of the entity that verified them. 


Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g & 1681i ), if you can not provide proper verification, the disputed items must be deleted from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

As proof of identity, I have attached a copy of my government-issued ID.

I expect a response within 30 days as required by law. Please send all correspondence regarding this dispute to my address above.

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 2025-03-22 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:
XX/XX/year> Subject : Request for Verification of Accounts Under Section 609 FCRA Dear Credit Bureau, I am writing to formally dispute and request verification of the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 609. According to the FCRA, I am entitled to full disclosure of the records and sources used to report these accounts. If you can not verify them, they must be removed immediately from my credit file. 
The following accounts require verification : [ XXXX XXXX ] Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the following : A copy of the original signed contract or agreement proving I authorized these accounts. 


The method used to verify the accounts. 


The name and contact information of the entity that verified them. 


Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g & 1681i ), if you can not provide proper verification, the disputed items must be deleted from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

As proof of identity, I have attached a copy of my government-issued ID.

I expect a response within 30 days as required by law. Please send all correspondence regarding this dispute to my address above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 



The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX, Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX Balance {$820.00} Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX balance {$390.00} Fraudulent Accts : XXXX XXXX acct # XXXX Opened XX/XX/XXXX balance {$0.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX balance {$100.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX XXXX {$240.00} XXXXXXXX acct # XXXX Opened XX/XX/XXXX balance {$100.00} Fraud Adresses : XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Fraud Employers : XXXX XXXX Fraud Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 

Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file, I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences.

l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I may also pursue legal action to recover damages. 

Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You may contact me at the information provided above should you need further details. 



Sincerely, XXXX XXXX Enclosures : Copy of ID Copies of Utility bill Supporting 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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-22 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: DE

Complaint narrative:
I am formally disputing the inaccurate names and fraudulent accounts that Experian continues to report on my credit file. My correct legal name is XXXX XXXX, yet Experian is falsely reporting the names XXXX XXXX and XXXX XXXX, neither of which have ever been my name. Additionally, Experian has associated fraudulent accounts with these names on my credit report and is refusing to remove them, despite my repeated disputes and submission of legally sufficient documentation. 

Under FCRA 1681e ( b ), Experian is required to ensure maximum possible accuracy in consumer reports. Additionally, per FCRA 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or unverifiable must be removed immediately. Your continued failure to correct these inaccuracies is a direct violation of federal law.

I have enclosed a copy of my government-issued identification ( drivers license ), Social Security card , and a recent utility bill, all of which confirm that my name is XXXX XXXX XXXX Despite this clear evidence, Experian continues to report the fraudulent names XXXX XXXX and XXXX XXXX and maintains accounts under these incorrect names, which is causing severe damage to my credit and violating my rights. 

I demand the immediate removal of all inaccurate names and fraudulent accounts associated with these names from my credit report and request written confirmation once this correction has been made. Failure to comply will be considered willful noncompliance with the FCRA and will result in escalation to the CFPB, FTC, legal action, and further regulatory complaints. 

This matter requires your immediate attention, and I expect a prompt 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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I discovered that there was a HARD Inquiry from Citibank and I never authorized or approved of this

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the XXXX responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 
This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 
I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Are reporting false late payments when account was in deferment status at those moments. I have attached a letter from the Navy Federal verifying the deferment status and XXXX is still reporting the inaccurate information. This account needs to reflect never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Are reporting false late payments when account was in deferment status at those moments. I have attached a letter from the XXXX XXXX verifying the deferment status and XXXX is still reporting the inaccurate information. This account needs to reflect never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complaint opened with CFPB on XX/XX/25 for Experian, XXXX, and XXXX to remove incorrect names / address off my credit report. XXXX and XXXX have honored this part of my XXXX part complaint. However Experian has still not removed any incorrect information from my credit report and its been 29 days today since my request. I also requested investigation and deletion of all inaccurate, outdated, or unverified information from my credit report. I requested the findings of the investigation of verification to debts and disputed debts as they came back verified and Ive never received any findings into the investigation process. Therefore Im requesting a Credit Investigation for Non Compliance : Under 15 U.S.C 1681i ( a ) ( 5 ) I demand immediate investigation and deletion of all inaccurate, outdated, and unverified accounts and inquiries from my credit report from all credit reporting agencies : Experian, Equifax, and Transunion.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I didnt sign up for these thing to be inquiries on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

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