vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX  ) for inaccurate reporting of my VA mortgage. 

My XX/XX/year> loan statement from XXXX XXXX  shows a current balance of {$320000.00}, but Experian, XXXX, and XXXX are all reporting my balance as around {$340000.00}. This {$18000.00} discrepancy is inaccurate and harmful. In addition, my loan was in forbearance and later modified under the CARES Act, but XXXX XXXX  has failed to report the required CARES Act coding. The account is being reported as a standard mortgage with no indication of accommodation, which is a violation of FCRA and CARES Act rules. 

As a result, my credit reports are flagging real estate balances too high compared to loan amounts. This has led to denials of credit, loan offers with APRs over 25 %, and blocked access to {$68000.00} {$110000.00} in home equity. I am asking the CFPB to require XXXX XXXX  to correct the balance, apply the proper CARES Act/Metro 2 coding, and provide confirmation that the account is being reported accurately across all credit bureaus. 
Relief Requested Immediate correction of my mortgage tradeline across Experian, XXXX, and XXXX  to reflect : Accurate balance : {$320000.00} as of XX/XX/year>. 

Proper CARES Act / Metro 2 coding for loan modification and forbearance. 

Removal of the negative scoring factor real estate balances too high compared to loan amounts. 

Written confirmation from XXXX XXXX  that my account has been corrected and reported accurately. 

Any additional relief the CFPB deems appropriate, including monitoring for systemic 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account that has reappeared on my credit report in error. 

The account was originally reported by XXXX XXXX for {$4700.00}. This account was previously successfully removed from my credit report because it did not belong to me. 

Months later, the same exact amount ( {$4700.00} ) has reappeared under a different company name, XXXX XXXX XXXX, claiming it is verified. I do not recognize this account, and I did not incur this debt. 

I request that the XXXX credit bureaus investigate this as a duplicate or erroneous account and remove it from my credit report immediately. I have attached documentation of the previous removal and my credit report for reference. 

This inaccurate reporting is affecting my ability to secure credit and is causing significant financial harm. I ask that CFPB forward this complaint to XXXX  and ensure it is corrected promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
Given my history of timely payments, this late mark is inaccurate and unfair. Please remove it and correct my account accordingly.

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 2025-09-26 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date of Last Payment:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-26 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date of Last Payment:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence serves as a dispute of fraudulent accounts that were improperly reported under my credit file. These accounts do not belong to me, were not authorized by me, and represent harmful inaccuracies that are damaging to my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been wrongfully included on my credit report. These accounts are not associated with me, were never authorized by me, and their presence has created a damaging and inaccurate portrayal of my financial history.

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 2025-09-26 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: NC

Complaint narrative:
I am filing this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the Equifax breach XXXX Despite clear obligations under 605B to block the accounts within four business days, Equifax ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verification violating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX Bulletin further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX has been illegally garnishing my check as of XXXX this year. The debt is from a repossession for a XXXX XXXX in XXXX. The debt was originally owed to XXXX XXXX XXXX. The debt was removed off my credit due to violating US Laws illegally modifying to the amount owed. XXXX XXXX XXXX XXXX XXXX bought my debt but Ive never signed any legal agreement with XXXX XXXX XXXX, XXXX. Im being sued through the XXXX XXXX XXXX XXXX XXXX, XXXX  even though I never owed nor agreed to XXXX, was properly served nor do they have possession of the property theyre suing me for. The Clerks office is currently holding {$2100.00} on the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX, at XXXX I received an email from XXXX stating that a new XXXX XXXXXXXX XXXX XXXX ending in XXXX was opened under my name. At this same time, I also received an email from XXXX XXXX  and XXXX  XXXX stating that I had a new hard inquiry on my XXXX  credit report. I immediately contacted XXXX to dispute this transaction. The representative stated that the XXXX XXXX XXXX  was not open at this time and that I would need to call back in the morning to file an official report. The rep stated that the Credit Card was opened and used at the XXXX  located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This was not me. I have been on XXXX XXXX military orders in XXXX XXXX since XXXX XXXX, I filed a police report with the XXXX XXXX XXXX ( Report Number XXXX ). From XXXX - XXXX, I froze my credit bureau reports, setup fraud alerts, and disputed the card through XXXX, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: OH

Complaint narrative:
I contacted Equifax on issues on my XXXX XXXX account, Account Number XXXX, which was reporting inaccurately on to my report as an other account which Equifax removed the account instead of updating my account to its correct reporting status. I notice XX/XX/year> Equifax removed my account instead of updating it to its correct status which I did not authorize this is in violation if the fair credit reporting act and needs to be looked into due to I never gave consent nor asked for this account to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
DEAR NAVY FEDERAL CR UNION : When I reviewed my credit report recently, I was surprised to see late payments reported on my account # XXXX XXXX XXXX XXXX XXXX XXXX LATE in XX/XX/year> as being 30 days. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LPH, Inc.
State: MT

Complaint narrative:
Formal Complaint & Request for Investigation This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and misleading handling of a debt account allegedly reported by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account in question is Account # XXXX. It has been inconsistently reported across multiple credit bureaus, contains balance discrepancies, conflicting addresses, and fails to demonstrate a valid legal assignment of debt. 

1. Inconsistent Credit Bureau Reporting XXXX  lists XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, showing {$420.00} past due. 

XXXX  lists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, showing {$410.00} balance. 

XXXX  does not list this account at all. 

This inconsistency across bureaus violates FCRA 1681, which requires data furnishers to report information with maximum possible accuracy and consistency. 

XXXX. Balance Discrepancies The alleged balance for Account # XXXX has been reported differently : Collection letter : {$410.00} XXXX  : {$420.00} XXXX  : {$410.00} Such contradictory reporting undermines accuracy and violates FCRA obligations. 

XXXX. Lack of Legal Assignment & Unsupported Fees The Verification of Debt letter provided by Northwest Collectors merely restates the clients claim without providing evidence of a lawful assignment or bill of sale transferring the debt from XXXX XXXX. Additionally, the balance breakdown includes : Principal : {$260.00} Fees : {$130.00} Interest : {$22.00} No contractual documentation has been provided showing that the consumer ever agreed to these fees or that Northwest Collectors has the right to collect them. This is a violation of FDCPA 809 ( b ). 

XXXX. Relief Requested The complainant respectfully requests that the CFPB : XXXX. Investigate XXXX XXXX and their reporting practices. 

XXXX. Order the immediate deletion of this collection account ( Account # XXXX ) from all credit bureaus due to systemic inaccuracies and lack of proper documentation. 

XXXX. Ensure compliance with FCRA and FDCPA in all future reporting and debt collection practices. 

XXXX XXXX XXXX XXXX report screenshot XXXX XXXX XXXXXXXX  report screenshot XXXX XXXX Proof of absence from XXXX  report XXXX XXXX Verification of Debt letter from XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXX agreement The information provided in this complaint is true and correct to the best of the complainants knowledge. Prompt action by the CFPB is requested to remedy these violations and protect consumer rights. 


Best regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX 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  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff Lending Balance : {$80.00} ( Past Due {$30.00} ) Reported as charge-off with High Balance {$0.00}. 

Violations : Inconsistent reporting ( shows charge-off but no accurate balance data ).

Payment history partly missing.

Compensation Violations : 2

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 2025-09-26 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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