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

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 2025-11-11 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: TX

Complaint narrative:
Could you review this entry? It seems delayed and potentially incorrect.

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

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens closed my account and want me to wait to get my money. I need to pay bills and waiting for a check to in in the mail is not an option.

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

Complaint narrative:
I recently found that Credit Collection Services ( CCS ) is reporting an alleged insurance-related collection under my name. This is the first time I have ever seen or heard of this debt. I have never received a single bill, notice, or letter from CCS at my current address, and I have no record of any unpaid balance or policy connected to this company.

Im honestly confused because I have no idea where this balance came from or how CCS obtained my information. I have not received any documentation showing that I owe anything or that CCS has legal authority to collect on this account. Im trying to understand whether this is some kind of error, misapplied policy, or mistaken identity, but I cant even begin to research it without documentation.

Under FDCPA 1692g ( b ), a debt collector must cease collection and provide full validation upon request. Under FCRA 1681e ( b ) and 1681s-2 ( b ), furnishers must ensure maximum possible accuracy and verify disputed data before reporting. CCS has done neither. They have not provided the policy number, billing statements, or assignment records showing they were authorized to collect this debt.

Reporting an unvalidated and unverified account violates FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ) ( false representation and collection of unauthorized amounts ) and FCRA 1681e ( b ) and 1681i ( accuracy and reinvestigation ). Their actions have caused confusion, stress, and harm to my credit reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: K STREET FINANCE, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are illegally re-reporting and re-aging an old debt that is more than XXXX years old. 

The original account ( XXXX XXXX XXXX XXXX  opened in XX/XX/XXXX and should have aged off my credit file under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). However, a duplicate collection account from XXXX XXXX XXXX was opened and reported again in XX/XX/XXXX for the same balance ( {$1700.00} ), falsely appearing as a new collection. 

This is a clear violation of FCRA 623 ( a ) ( 5 ) ( illegal re-aging ) and 605 ( a ) ( obsolete information ). Both companies have been notified of these inaccuracies previously, yet continue to report them.

This re-aged reporting has damaged my credit score and caused denials for credit and housing. I am requesting that the CFPB require immediate deletion of these accounts from all three bureaus and an investigation into the willful FCRA violations committed by these furnishers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TX

Complaint narrative:
I am requesting a full review of the late payments reported on my federal student loan account ( XXXX ). These late payments occurred during a period of verified hardship, and I communicated my situation to the servicer at the time but did not receive the correct assistance or options. From lateXX/XX/XXXX through XXXX, I was unemployed while pregnant and later on unpaid maternity leave. After this, I began a new job that included a ramp-up period before I reached full earning potential. During this period, I was doing my best to stay current, but my income was temporarily unstable. I also experienced significant family medical emergencies during this time. My sister was diagnosed with a rare XXXX requiring multiple surgeries, and my mother has XXXX XXXX with life-threatening surgical procedures. I was supporting them while transitioning back into stable employment. Based on my circumstances, I should have been placed in a temporary forbearance, deferment, or given alternative assistance rather than accumulating negative credit reporting. I communicated my financial hardship to the servicer, but I was not offered the appropriate programs that federal loan borrowers are entitled to during hardship periods. These late payments do not reflect my true payment behavior, and I brought my account current once my income stabilized. I am now fully employed with stable income and have maintained on-time payments. Under FCRA XXXX and federal student loan servicing requirements, I am requesting : XXXX. A review of the accuracy of the late payments. XXXX. A review of whether I should have been placed into forbearance/deferment during XXXX, unemployment, and documented family medical hardship. XXXX. Deletion of late payments that occurred due to lack of proper assistance or miscommunication during hardship. Thank you for your time and review.

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 2025-11-11 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my TransUnion, Experian and Equifax credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account in question is listed as follows : Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Reported Balance : {$480000.00} I am disputing this accounts accuracy regarding the payment history and/or reported details. The information being reported appears inconsistent, unverifiable, or incomplete. Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable investigation of any disputed information and verify its accuracy with the furnisher of the data 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
AFFIRM INC would not I give me any information I can use to prove that it wasn't me. I did not know the phone number on the account that was used ; they would not give me any information. {$1.00} my credit report I would like for a firm to send account information Thank you

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

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my TransUnion, Experian and Equifax credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account in question is listed as follows : Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Reported Balance : {$480000.00} I am disputing this accounts accuracy regarding the payment history and/or reported details. The information being reported appears inconsistent, unverifiable, or incomplete. Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable investigation of any disputed information and verify its accuracy with the furnisher of the data 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 2025-11-11 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 formally dispute inaccurate and incomplete information appearing on my TransUnion, Experian and Equifax credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account in question is listed as follows : Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Reported Balance : {$480000.00} I am disputing this accounts accuracy regarding the payment history and/or reported details. The information being reported appears inconsistent, unverifiable, or incomplete. Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable investigation of any disputed information and verify its accuracy with the furnisher of the data XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-11-11 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: Self Financial Inc.
State: PA

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtedness, and no agreement was provided. Please provide proof with wet signature. If it can not be provided, please remove immediately.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If not please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
b'I am writing to formally request written confirmation and correction of the reporting on my former Citi credit card account. Despite multiple phone calls and verification from Citi representatives that my account was paid in full and closed, this information has not been properly reflected on my credit report and report a balance of XXXX  owed. \n\t\tAccount: XXXX XXXX XXXX XXXX\n\t\tPayment AmountXXXX XXXX\tPayment Date: XXXX XXXX XXXX\n\t\tPayment RecipientXXXX XXXX XXXX XXXX (as per Citis instruction)\n\nAs confirmed by multiple Citi representatives on at least three separate occasions, the balance on this account has been paid in full and closed since XXXX XXXX XXXX  However, the major credit reporting agencies continue to show this account as unpaid or delinquent, and I have not received the promised receipt or confirmation letter verifying my payment.'

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 2025-11-11 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-11 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
I previously submitted a complaint for removal of repossession with the car being sold without any information. A letter was sent to the address they had on file, not stating anything that I as a consumer needed to know. They didnt inform anything properly. 



XXXX. Defective Notice of Sale XXXX XXXX and XXXX XXXX XXXX. XXXX Your XXXX XXXX XXXX dated XX/XX/XXXX failed to provide a legally sufficient notice of sale. 
It did not specify the date, time, or manner of the intended private sale as required under XXXX XXXX. 
Without this information, I was deprived of a reasonable opportunity to redeem the vehicle or attend the sale. 

Under XXXX XXXX, when a secured party fails to give proper notice of sale, no deficiency balance XXXX be collected or enforced. Therefore, the claimed balance of {$2000.00} is invalid and unenforceable. 



XXXX. Failure to Demonstrate Commercially Reasonable Sale XXXX XXXX You reported that the vehicle sold for {$2800.00} at private sale. 
Given the average market value of a XXXX XXXX XXXX at that time, this sale amount appears unreasonably low. 
Unless you can provide documentation proving the sale was conducted in a commercially reasonable manner, the deficiency is presumed invalid under XXXX XXXX ( b ). 



XXXX. Inaccurate Credit Reporting Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX Because the deficiency balance is based on a defective and invalid repossession process, any reporting of a repossession or charge-off balance due is false or misleading under FCRA XXXX ( a XXXX. 
You are required to report accurate and verifiable information. 
I demand immediate investigation and deletion of any negative reporting related to this account from all credit bureaus. 



XXXX. Failure to XXXX XXXX XXXX XXXX XXXX XXXX Your letter stated that I could redeem the vehicle by paying the full amount owed, but did not provide a specific payoff figure, method of payment, or expiration date for redemption. This failure violates my rights under XXXX XXXX, further voiding any right to pursue a deficiency.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for reporting inaccurate late payments on my auto loan with XXXX XXXX. Equifax is reporting late payments for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These late payments are false and unverifiable, and they do not appear on XX/XX/XXXX or XX/XX/XXXX. Both bureaus report the account as current and paid on time. 

This discrepancy means Equifax is reporting information that is inaccurate, incomplete, and not verifiable, violating : FCRA XXXX ( b ) duty to maintain maximum accuracy FCRA XXXX duty to reinvestigate disputed information FCRA XXXX ( a ) furnisher accuracy requirements Equifax failed XXXX properly investigate my dispute and continues to report false late payments that are harming my creditworthiness.

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

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 ONE 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