vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am done with the runaround. XXXX XXXX is reporting a charge-off with a {$0.00} balance on my credit reports to all three bureaus and I have never received any written validation, explanation, or proof showing how this makes any sense. Ive disputed this multiple times, and all I get back are lazy verified replies from the bureaus or automated identity-theft responses none of which is factual verification or documentation. Thats unacceptable. 
You ( XXXX XXXX ) and the credit bureaus are paid billions to get this right. It is your JOB to verify and to prove what you report. If you can not produce the basic records the account statement, payment history, charge-off notice, or explanation of how a {$0.00} balance was charged off then this tradeline is false and must be removed immediately. 
This conduct violates the Fair Credit Reporting Act and basic XXXX XXXX standards, including but not limited to : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) requirement for a reasonable reinvestigation when an item is disputed ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted promptly ; FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 3 ) furnishers can not report information they know ( or should know ) is inaccurate and must mark accounts as disputed ; XXXX XXXX Manual 4.2.2, 4.3.1, 6.2.1 require verifiable supporting documentation and correct dispute coding.

I have waited long enough. This has gone on far past 30, 60, and even 90 days of dispute activity and nothing. If XXXX XXXX and the credit bureaus cant provide full written validation proving the legitimacy and accuracy of this {$0.00} charge-off ( including account statements, charge-off documentation, and all payment history ), then remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: AZ

Complaint narrative:
This company is reporting a collection that is inaccurate and unverifiable. No contract, no itemized statement, and no proof I owe this debt. They verified with the CRAs without providing any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am filing this complaint because all three credit bureaus TransUnion, Experian, and Equifax continue to report inaccurate and unverified collection and charge-off accounts that have caused significant damage to my credit reputation and emotional well-being. These accounts are being reported inconsistently and without proper verification or documentation, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The items currently in dispute are : Collections ( XXXX Bureaus ) 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 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 XXXXXX/XX/XXXX These accounts appear to be outdated, unverifiable, or otherwise inaccurately reported. I have never been provided with any form of debt validation, verification of ownership, or proof that these accounts were legally assigned, serviced, or collected in compliance with the law.

Under 15 U.S. Code 1681s-2 and 1692g ( b ), both the data furnishers and the credit bureaus are required to verify the accuracy and validity of any information they report once a consumer disputes it. If the furnisher or bureau can not produce legitimate documentation within 30 days, they are legally obligated to delete the disputed information from the consumers credit report.

Despite previous disputes, these accounts remain on my reports without any verification or supporting records. This negligence violates the FCRAs requirement for maximum possible accuracy under 15 U.S. Code 1681e ( b ) and the FDCPAs prohibition against continued collection or reporting of unvalidated debts.

These errors have severely affected my creditworthiness and mental peace impacting my ability to secure affordable financing and stable housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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:
I am sending this complaint regarding several serious inaccuracies that misrepresent my financial history. These items are factually incorrect and should be completely removed from the report in accordance with federal law. The report contains inaccurate names that have never been associated with me, including XXXX XXXX and XXXX XXXX XXXX. The inclusion of these names violates FCRA Section 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. An unauthorized inquiry is also listed on the report, SETTLEMENT XX/XX/year>, which may misrepresent financial activity. According to FCRA Section 1681b ( c ), only authorized inquiries may appear, and any unauthorized inquiries must be removed immediately. The report also contains inaccurate addresses, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Additionally, it lists a late closed account, XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$0.00} * *, and multiple inquiries that I did not authorize, including XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXXXX/XX/year>. Due to the inaccurate and misleading nature of these items, a full deletion of the inaccurate names, addresses, unauthorized inquiries, and late account is requested. Continued reporting of these items constitutes willful noncompliance with federal law and may unjustly impact access to credit, housing, or employment. In accordance with FCRA Sections 1681i ( a ), 1681e ( b ), and 1681b ( c ), these inaccuracies must be addressed immediately.

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 2025-11-10 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: FL

Complaint narrative:
I am sending this complaint regarding several serious inaccuracies that misrepresent my financial history. These items are factually incorrect and should be completely removed from the report in accordance with federal law. The report contains inaccurate names that have never been associated with me, including XXXX XXXX and XXXX XXXX XXXX. The inclusion of these names violates FCRA Section 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. An unauthorized inquiry is also listed on the report, SETTLEMENT XX/XX/year>, which may misrepresent financial activity. According to FCRA Section 1681b ( c ), only authorized inquiries may appear, and any unauthorized inquiries must be removed immediately. The report also contains inaccurate addresses, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Additionally, it lists a late closed account, XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$0.00} * *, and multiple inquiries that I did not authorize, including XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXXXX/XX/year>. Due to the inaccurate and misleading nature of these items, a full deletion of the inaccurate names, addresses, unauthorized inquiries, and late account is requested. Continued reporting of these items constitutes willful noncompliance with federal law and may unjustly impact access to credit, housing, or employment. In accordance with FCRA Sections 1681i ( a ), 1681e ( b ), and 1681b ( c ), these inaccuracies must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX. XXXX, 2025 my bank of america bill pay account ( checking account ) were closed due to me filing a few claims due to suspicious activity on my checking account. I was notified about these suspicious activities by bank of America thru my online banking account. As a result ... my bill pay account with bank of America that I had set-up for my bills to be paid, and ofcourse directed out of my account were remanded. I've been with Bank of America for XXXX yrs going on XXXX yrs. The bank of america bank account I had with bank of america were apart of my life. I received a pinched income, which were for rent, and food. All destroyed! My bank of America account were definitely apart of my lively hood! So Due to the inconvenience... I wasn't able to receive no food, or loans from any vendor, or to pay bills, nor was I able to withdraw any funds for food, or for some of my bills. Last, but not the least... I was not able to open a new bank account else where because of no funds to start a new bank account! I am devastated.

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 monetary relief
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX, all information on my report must be accurate, complete, and verifiable. I am requesting that these late payments be investigated and verified, and if they can not be fully confirmed, I ask that they be promptly corrected or deleted from my 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-10 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
A collection agency is inaccurately reporting an auto repossession on my credit report as if it recently closed, even though the repossession actually occurred in 2019. The accounts status date or date closed keeps being updated to make it appear more recent, which is misleading and negatively affects my credit.

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as it re-ages the account and extends the time the negative information stays on my credit report.

I have already confirmed the original repossession date with the lender. I am requesting that the CFPB review this issue and ensure the furnisher and credit bureaus correct or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: WI

Complaint narrative:
I am sending this complaint because my credit reports contain inaccurate and inconsistent charge-off information and outdated personal data, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). My report shows a XXXX  XXXX account ( Acct # XXXX XXXX XXXX XXXX XXXX, Balance {$1900.00}, Date of Last Activity XX/XX/XXXX ) and a XXXX account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$8900.00}, Date of Last Activity XX/XX/XXXX ), both listed as charge-offs. However, these accounts are reported inconsistently across the credit bureaus TransUnion and Equifax show partial or differing information, while Experian does not report them at all. Additionally, my credit file lists incorrect addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) even though my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. These inconsistencies violate several sections of the FCRA, including 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy ; 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and complete information ; and 623 ( a ) ( 5 ) and 605 ( c ), which require accurate reporting of the Date of First Delinquency ( DOFD ) so that obsolete information is not kept on file beyond the seven-year limit under 605 ( a ) ( 15 U.S.C. 1681c ). Furthermore, if either creditor canceled or forgave any portion of these debts exceeding {$600.00}, they are legally required to issue and report a Form 1099-C to the IRS, which does not appear reflected in my records.

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 2025-11-10 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: WI

Complaint narrative:
I am sending this complaint because my credit reports contain inaccurate and inconsistent charge-off information and outdated personal data, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). My report shows a XXXX  XXXX account ( Acct # XXXX XXXX XXXX XXXX XXXX, Balance {$1900.00}, Date of Last Activity XX/XX/XXXX ) and a XXXX account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$8900.00}, Date of Last Activity XX/XX/XXXX ), both listed as charge-offs. However, these accounts are reported inconsistently across the credit bureaus TransUnion and Equifax show partial or differing information, while Experian does not report them at all. Additionally, my credit file lists incorrect addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) even though my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. These inconsistencies violate several sections of the FCRA, including 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy ; 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and complete information ; and 623 ( a ) ( 5 ) and 605 ( c ), which require accurate reporting of the Date of First Delinquency ( DOFD ) so that obsolete information is not kept on file beyond the seven-year limit under 605 ( a ) ( 15 U.S.C. 1681c ). Furthermore, if either creditor canceled or forgave any portion of these debts exceeding {$600.00}, they are legally required to issue and report a Form 1099-C to the IRS, which does not appear reflected in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am sending to formally dispute multiple inaccurate, misleading, and unverifiable entries on my credit report. I My dispute is submitted under the following statutes : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$5800.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX IL ) XXXX Balance {$3800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending to formally dispute multiple inaccurate, misleading, and unverifiable entries on my credit report. I My dispute is submitted under the following statutes : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$5800.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX IL ) XXXX Balance {$3800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/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 non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am formally requesting an investigation and correction of inaccurate or potentially incomplete information regarding the following accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following accounts for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief