vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute the following accounts that have been inaccurately reported or are being disputed for removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
CFPB COMPLAINT NARRATIVE ( STRONG VERSION ) Nissan Motor Acceptance Company is reporting false late payments and derogatory marks on my credit report, even though my account was never late and my vehicle was paid in full. Their own letter ( dated XX/XX/XXXX ) confirms my XXXX was satisfied on XX/XX/XXXX. 

However, the credit bureaus are reporting : False XXXX lates False XXXX lates Incorrect R ( repossession ) symbols These are completely inaccurate, and Nissan has failed to correct or delete them after notice, violating : FCRA 623 Furnishing false information FCRA 611 Failure to correct after dispute FCRA 602 Failure to ensure maximum possible accuracy These false late payments are causing severe credit damage and financial harm. Im requesting that the CFPB require Nissan to : Remove all late payments Remove all derogatory codes Correct the account to show Paid in Full / Never Late Confirm compliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding accounts reported on my Experian credit report. The following accounts are inaccurately reported as charged off, and I request a full investigation into these entries : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}

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 2025-11-14 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I encountered difficulties while attempting to transfer funds from my checking account using my XXXX XXXX debit card. Due to XXXX XXXX 's transition from XXXX to XXXX debit cards, I was required to utilize my checking account. I was informed that the funds would take approximately XXXX to XXXX business days to become available for sending and spending by Friday, XX/XX/XXXX. The funds were debited from my account on Monday, XX/XX/XXXX. 

Upon contacting Venmo for clarification, I was advised that the day had not yet concluded and that the funds might become available today ; however, the latest possible timeline provided was Monday, XX/XX/XXXX. This situation appears to be inconsistent with legal expectations, as ACH transactions typically clear within XXXX to XXXX business days. It has now been XXXX business days, and I am being expected to manage without access to my funds for an additional XXXX days. This delay does not seem to align with the information provided to me or the details presented within their application. I would appreciate any assistance you can offer to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my Experian credit report. The details of the accounts in question are as follows : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Late Payment XXXX  Account Number : 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 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I suspect I am over paying on the {$18000.00} loan and the balance is not reducing. I originally had XXXX loans in total of {$18000.00}. The representative from Sallie Mae showed me were to check the payment I have made. 

I am still suspecting over payment because I can not check how much interest is been added to the {$18000.00} student loan. I have made payment in total of {$18000.00} as of XX/XX/2025. I would like to know if the origin balance of XXXX has added interest of over XXXX as the remaining balance is still over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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

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 2025-11-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CT

Complaint narrative:
To Whom It May Concern : I am sending this letter to formally notify you that I dispute the validity and accuracy of the alleged debt you are attempting to collect. In addition, I am invoking my rights under federal law to terminate all communication from your agency.

1. CEASE & DESIST FDCPA ( 15 U.S.C. 1692c ( c ) ) Under the Fair Debt Collection Practices Act, I am exercising my right to request that your office cease all communication with me immediately, except for the limited purposes permitted under the statute ( such as confirming that collection efforts are terminated or notifying me of specific legal remedies you intend to pursue ). Effective immediately, you are prohibited from contacting me via phone, mail, email, or any other method.

2. FCRA REINVESTIGATION DEMAND 15 U.S.C. 1681i If you have reported, are reporting, or intend to report this alleged account to any consumer reporting agency ( XXXX XXXX XXXX ), take notice : I am formally requesting a full reinvestigation of any information you have furnished that pertains to me.

Under 15 U.S.C. 1681i, you must : - Conduct a reasonable reinvestigation, - Provide written results of the reinvestigation, - Provide all documentation you relied upon, - Notify all consumer reporting agencies of corrections or deletions, - Delete any information that can not be verified.

3. VALIDATION REQUEST If you intend to continue collection activity despite my dispute, provide all required validation under 15 U.S.C. 1692g, including : - A copy of the original signed contract or application, - Proof you own or were assigned the debt, - Complete accounting history, - Date of default and itemization of all balances, - Proof of your legal right to collect in my state.

Until you provide complete validation, you must cease collection and reporting activity.

4. NOTICE OF RECORDKEEPING You are being placed on notice to preserve all records, call logs, notes, and documents associated with this account, as they may be required for legal proceedings due to potential violations of the FDCPA and FCRA.

5. FINAL NOTICE Failure to comply with this cease and desist request or reinvestigation demand may result in : - Complaints filed with the CFPB, FTC, State Attorney General, - A private civil action seeking statutory and actual damages, - Claims for willful noncompliance under federal law. I expect written confirmation within 30 days that communication has ceased and that all reporting has been corrected or deleted if you can not verify the account. 


Account closed ownership transferred to absolute resolutions on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
Equifax LLC business did not correct the arrows that's reporting to my credit report account XXXX XXXX  accounts it's not mines it was reported as fraud I did an FTC towards this account about 2 years ago they had removed one of the account and not the other they violated my constitution rights 15 USC 1681 XXXX also violated code 15 Usc 1666b. Please remove XXXX XXXX  account off of my credit report file or get sued they also told me a lie and said after 90 days I can not dispute anything on my credit report file which is also violating my constitution rights and we can go and play with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts to Be Removed : - 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 closed account These accounts are no longer active, some are outdated, and others are no longer relevant or verifiable, and therefore must be corrected or deleted to accurately reflect my current credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I was reported 120 days or more late for the month of XX/XX/year> and XX/XX/year> by Carrington Mortgage. My account was under a Natural Disaster Forbearance which included protections against late payment reporting. I applied for loss mitigation options to take care of the arrears and resume my monthly payments before the end of the forbearance period in XX/XX/year>. The account was then placed under review for 30 days. During this time the company was not accepting monthly payments. I was notified on XX/XX/year> that I was going to be placed into a special unemployment forbearance and then I was immediately reported 120 days late for the month of XXXX. I contacted the company and let them know that I am not unemployed and did not ask for any sort of forbearance or payment deferment and that it was a mistake on their end. The company proceeded to take another 30 days to review the account to qualify me for a Trial Period Plan for a loan modification. I received the paperwork for this on XX/XX/year>. I immediately called the same day and asked to make a payment for XXXX since it wasnt included in the Trial Period Plan. I was explicitly told that if I made a payment before XX/XX/year> that they would cancel the Trial Period Plan and subsequent loan modification. So the company advised me not to make a payment for XX/XX/year> and then proceeded to report me 180 days late to the credit bureaus even though I have complied with everything required of me. I was also told that the status of the mortgage account would be updated to Trial Period Plan which has not happened. The status of the loan on the credit bureaus reads 120 days or more delinquent/late. I sent a Notice of Errors letter to the company on XX/XX/XXXX and the mistakes/issues have still not been rectified on my credit reports nor those of XXXX XXXX who is the co-signer on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX changed into XXXX. They began adding extra deliveries, charging me for deliveries that were never made.

I called on several occasions to cancel my account and request refunds. They would clear my account and then post charges again and again.

This week I received a letter from a collection agency. I paid the balance requested in fear of my credit report taking a hit. They are erroneously billing me and forces me to pay a balance not owed. 
XX/XX/year> I received a confirmation of my request to cancel my account. After several attempts. 
XX/XX/year> they picked up all empty bottles XX/XX/year> my account had a credit of {$82.00} XX/XX/year> I received an invoice with {$0.00} balance XX/XX/year> I received an invoice for {$120.00}. No new products had been delivered I called customer service on XX/XX/year> and XX/XX/year> to resolve the matter. My account should of been {$0.00} again XX/XX/year> I received another invoice and contacted them again. 
The list goes on and on. I would like a refund of the amount paid {$180.00} immediately and my account to be cleared of all debt and closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LEXISNEXIS
State: GA

Complaint narrative:
How did you verify it? Where's the documents to show me proof? Provide me proof that they are mine. No proof? Then you can't report it and you need to remove it immediately. The Bankruptcy Court also states that the Bankruptcy is not mine. Because the Bankruptcy Court is not a furnisher, and because no furnisher exists, LexisNexis can not satisfy. This needs to be removed it immediately! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation