vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and
protecting consumer credit information. 



Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer.

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT. 
Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617.

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I am reporting a fraudulent debt-collection scam. The company claimed to be XXXX XXXX XXXX and contacted my family members and my workplace. They used harassment and threats to pressure me into providing my card information. They sent a fake contract through a XXXX link and refused to provide legally required validation of the debt. 

The phone numbers involved are XXXX and XXXX. 

They claimed I owed a CreditNinja debt but would not provide any proof. The document they sent was a generic, incomplete template missing required licensing and disclosures. They pressured me to sign within minutes. 

I believe this is a phantom-debt scam. I request investigation and enforcement action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I keep receiving calls from this debt collector when I finally answered from one of the multiple phone numbers they used I requested a debt validation letter and spoke with 3 representatives who was reluctant to providing their information and further information on the supposed debt that i do not recognize. I also requested to dispute this debt collection which the representative denied and was saying I have to do other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
3. The inquiry was not authorized XXXX Account Number : XXXX I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 Chapter 41 specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.

Complaint narrative:
After requesting a prepayment statement for our mortgage, XXXX XXXX contacted us claiming that a printing error had caused the prepayment penalty terms on our signed contract to be incomplete. They asked us to re-sign a corrected version to finalize the file. 

We then verified with the original escrow company that there were no printing issues on the signed form. The original version clearly showed the full penalty terms. This indicates that XXXX XXXX explanation was false and appears to have been an attempt to get us to re-sign under false pretenses after they realized the contract wording on penalties for years 2 and 3 indicates no penalty for early/pre-payment. 

Rushmore Loan Management ( our loan servicer ) has since apologized and acknowledged that the original contract language was unclear, confirming our suspicion that XXXX XXXX request was deceptive. 

We are filing this report to protect other consumers from similar misleading conduct and possible mortgagedocumentfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 follow-up regarding XXXX accounts on my credit report that remain inaccurately and inconsistently reported across the three major credit bureaus. The first account, XXXX ending in XXXXXXXX XXXX XXXX XXXX, is reported with differing balances {$11000.00} on Experian and Equifax, and {$13000.00} on TransUnion and inconsistent late payment history ranging from 30 to 120 days in various months, with discrepancies in dates and delinquency periods. The second account, XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as closed on TransUnion and Experian but remains open on Equifax ; its balance is {$0.00} across all bureaus, and the payment history shows occasional 30-day delinquencies that do not match my records. These inconsistencies misrepresent my actual payment history and creditworthiness. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that is inaccurate, incomplete, or unverifiable, and I request a reasonable reinvestigation of these accounts, including verification with the furnishers. Additionally, FCRA 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 1681c ( a ) prohibits reporting misleading, incomplete, or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
This letter serves as my final demand and notice before I take further action regarding the continued inaccurate reporting of late payments on both closed and open accounts appearing on my credit file. 
This matter has been disputed multiple times. You have had more than sufficient time and information to correct the inaccuracies, yet the same false information continues to be reported. 
At this point, its clear your failure to act is no longer an error its willful negligence and a direct violation of my rights under federal law. 
Let me be very clear : I am the consumer submitting this dispute directly. I am not represented by any third party, and I am fully aware of my legal rights. Sending generic stall letters or template replies instead of actual reinvestigations is unacceptable and unlawful. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal dispute regarding inaccurate information being reported on my credit file by Navy Federal Credit Union.

Navy Federal is reporting a 30-day late payment on my pledge loan account. This information is factually incorrect and misleading.

This loan was paid off in a timely manner, and no outstanding debt was owed. The only reason this account was reportedly marked late is due to an unexpected additional charge that was added to the account without notice or proper billing communication to me. I was never informed of this charge, nor was I given a fair opportunity to pay it before it was inaccurately reported as late. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report information that is complete, accurate, and verifiable. Reporting this account as 30 days late despite timely payoff and lack of notice is inaccurate and damaging to my credit profile. 

I am demanding the following : 1. Immediate investigation of this matter 2. Verification of the alleged late status 3. Removal of the inaccurate 30-day late payment from my credit report 4. Correction of all records reflecting this account as delinquent If Navy Federal can not provide verifiable proof that this account was legitimately late with proper notice provided, then this negative entry must be deleted. 

Please respond in writing with the results of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There was a lease for a vehicle that I did not request or apply for this is fraudulent and is not my account. Ive never leased a vehicle. Ive only purchased vehicles. This is fraudulent and it is problematic to my credit report. I have reported this error or problem or this identity there to XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Charged upfront or unexpected fees — 
Company: MOHELA
State: IL

Complaint narrative:
Hello, I have been having a weird issue with my Mohela payments. I have been on Auto pay with my loans for nearly 2 years now, but recently, it showed that I missed a payment on XX/XX/XXXX for a loan. 

Once I saw, I checked and sent out an additional payment for the loan on XX/XX/XXXX. I checked a few days later and I saw it still said I missed a payment. I called later and they said that it was an error and I can ignore that notification. 

This month, still on Autopay, I see that now I have XXXX missed payments, toward the same loan, of the same amount. This time I sent out another payment for both. I see it was received on XX/XX/XXXX, but the notifications was still there. So I sent ANOTHER payment for both, and received on XX/XX/XXXX. All XXXX of these missed payments over the last 2 months have been received according to you, yet my account still shows {$94.00} in missed payments that I owe. 

I have paid everything on time and I do not want this error of not recording my payments affect my credit score or my payment plan. They have since responded with a Automated response reinforcing that I am " 39 days delinquent ''

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I am filing this complaint against all three credit bureausExperian, Equifax, and XXXXbecause they continue to report multiple fraudulent collection accounts on my consumer reports, even though I am a documented and verified victim of identity theft. My FTC Identity Theft Report # XXXX clearly lists each fraudulent account and confirms that I never opened, authorized, or consented to any of them XXXX XXXX. 

The fraudulent accounts still being reported include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened without my knowledge using stolen personal information. My FTC report states clearly that I have been a victim of identity theft for a long time, have filed police reports, frozen my credit, and submitted all required documentation. 

Despite this, all three bureaus have failed to : Block these fraudulent accounts within 4 business days as required under FCRA 605B Conduct a lawful, reasonable reinvestigation under FCRA 611 Prevent reinsertion without certification under FCRA 611 ( a ) ( 5 ) Stop furnishers from reporting known inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ) Protect my file from unauthorized use under FCRA 604 Honor FACTA identity theft protections Prevent ongoing reporting that they were notified is fraudulent These failures have caused me serious financial damage, including credit denials, higher interest rates, emotional distress, and long-term harm to my financial stability. The bureaus ignored official federal identity theft documentation and continued to publish information they know is false.

This is not a factual dispute. This is identity theft, backed by a valid federal report. The law requires immediate blockingnot repeated stalling, template responses, or reinsertion of known fraudulent 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 2025-11-26 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: NV

Complaint narrative:
I am filing this complaint against all three credit bureausExperian, Equifax, and XXXXbecause they continue to report multiple fraudulent collection accounts on my consumer reports, even though I am a documented and verified victim of identity theft. My FTC Identity Theft Report # XXXX clearly lists each fraudulent account and confirms that I never opened, authorized, or consented to any of them XXXX XXXX. 

The fraudulent accounts still being reported include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened without my knowledge using stolen personal information. My FTC report states clearly that I have been a victim of identity theft for a long time, have filed police reports, frozen my credit, and submitted all required documentation. 

Despite this, all three bureaus have failed to : Block these fraudulent accounts within 4 business days as required under FCRA 605B Conduct a lawful, reasonable reinvestigation under FCRA 611 Prevent reinsertion without certification under FCRA 611 ( a ) ( 5 ) Stop furnishers from reporting known inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ) Protect my file from unauthorized use under FCRA 604 Honor FACTA identity theft protections Prevent ongoing reporting that they were notified is fraudulent These failures have caused me serious financial damage, including credit denials, higher interest rates, emotional distress, and long-term harm to my financial stability. The bureaus ignored official federal identity theft documentation and continued to publish information they know is false.

This is not a factual dispute. This is identity theft, backed by a valid federal report. The law requires immediate blockingnot repeated stalling, template responses, or reinsertion of known fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding an obsolete account being reported on my credit file. The account from XXXX XXXX XXXX  ( XXXX ) is 7 years and 5 months old, which exceeds the XXXX reporting limit under FCRA Section 605 ( a ). This account should no longer appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BOEING EMPLOYEES' CREDIT UNION
State: SC

Complaint narrative:
BECU closed my account without proper notice and claimed in their CFPB response that a cashiers check was mailed to me on XX/XX/year>. 

It is now well beyond the reasonable mailing timeframe and I have not received any check, tracking information, confirmation, or communication. 

BECU never contacted me to verify the address before mailing, never emailed me notice of closure, and never provided me with a check number or mailing confirmation. This is a violation of : Washington Consumer Protection Act UDAAP ( unfair and deceptive practices ) The Credit Unions own bylaws and notification process I am being deprived of my own money. I can not access the funds, verify the status of the check, or receive support from BECU.

Company response to consumer: Closed with explanation