vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I must unequivocally stress that this complaint is no error my credit report is riddled with blatant inaccuracies that fall far short of any acceptable standard of accuracy. These errors are crushing me and relentlessly damaging me in unimaginable ways ; these are profoundly challenging times, and it would be an extraordinary relief a genuine salvation if these inaccuracies were corrected or eradicated forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: LA

Complaint narrative:
How dare you include false allegations of delinquency and derogatoriness on my credit report without any factual proof? You have not met federal or state reporting requirements and I am outraged. You must comply with regulations and the law by accurately reporting only verified information. I demand that you correct this issue immediately and take responsibility for your negligence. If you fail to do so, I will not hesitate to take legal action against you. 

SENTRY CREDT - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I, XXXX XXXX ( DOB XXXX last 4 of SSN XXXX ), am filing this complaint because Experian, Equifax, continue to report inaccurate XXXX XXXX XXXX XXXX accounts on my credit report. I previously disputed these items, yet they remain with remarks such as consumer disputes after resolution. This is false and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires deletion of unverifiable information. I request immediate removal of all XXXX XXXX XXXX XXXX accounts and related remarks from all credit reports and written confirmation once completed. This inaccurate reporting is causing financial harm and preventing fair access to credit. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX Email : 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 2025-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a report that is complete and accurate. I request a review of these entries, and if they can not be verified as correct, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to LexisNexis regarding inaccurate and incomplete bankruptcy information being reported in my consumer file. Despite providing documentation from XXXX which is the official federal source of public record data, LexisNexis has failed to correct or remove the inaccurate bankruptcy listing. The bankruptcy record being reported by LexisNexis contains multiple discrepancies when compared to the official court record : Incorrect or missing dates XXXX lists the case as filed on XX/XX/XXXX, XXXX on XX/XX/XXXX, and terminated on XX/XX/XXXX, while LexisNexis reflects inconsistent or incomplete timelines. 


Incomplete case status details XXXX  identifies the case as a XXXX XXXXXXXX XXXX XXXX XXXX 
LexisNexis fails to show the proper closure, discharge, or update status. 


Incorrect trustee and case handling information XXXX shows Trustee : XXXX XXXX XXXX and Judge : XXXX XXXX XXXX ( XXXX ). 
LexisNexis lists inconsistent or truncated details that do not match the federal docket. 


Failure to match verified docket metadata XXXX confirms the official closure under XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
LexisNexis reports it as active/closed inaccurately, failing to reflect the termination and final disposition. 
Because LexisNexis is a consumer reporting agency under the Fair Credit Reporting Act ( FCRA ), it is required to ensure maximum possible accuracy of any public record data reported. However, LexisNexis has repeatedly verified the inaccurate information without correcting it, violating the following provisions : FCRA 607 ( b ) Duty to assure maximum possible accuracy FCRA 611 ( a ) Duty to reinvestigate disputed information FCRA 609 ( e ) Obligation to verify data accuracy directly with the furnisher ( in this case, the federal bankruptcy court ) The bankruptcy data LexisNexis is reporting is incomplete, inaccurate, and unverifiable, resulting in reputational and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). 
I fully paid off my motorcycle loan with XXXX XXXX  after obtaining an official payoff amount. I sent a certified check for the full amount. Although the check was delivered, XXXX misplaced it and later informed me the loan was delinquent. 
Upon discovering their mistake, I immediately placed a stop payment on the first check, reissued a second certified check for the full payoff amount, and sent it overnight. XXXX received that payment and later sent me the clear title to my motorcycle, proving that the account was fully satisfied. The title issue date of XX/XX/year>. 
However, my credit reports now show the account as charged off and/or settled for less than owed. This is false, misleading, and damaging to my credit. I have disputed this information directly with the credit bureaus and XXXX XXXX  under FCRA 611 and 623 ( a ) ( 8 ), but the reporting has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 requesting a reinvestigation of the following items that are being reported on my Experian credit report. I am a consumer simply trying to fix and rebuild my credit, and I believe some of these accounts and inquiries may be inaccurately reported or unverifiable. Please complete a full review and make the appropriate corrections or removals in compliance with the FCRA. 

CHARGED OFF ACCOUNTS : XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX POSITIVE ACCOUNTS : ( No positive accounts to list at this time. ) LATE PAYMENTS : 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I turned XXXX XXXX XXXX XXXX XXXX. Since then, I have tried to establish credit multiple times. I have tried many different credit card companies and even tried to get a prepaid card. Unfortunately they have told me I have no FICO score and that there must be some sort of block on or fraud alert on my Social Security number. I have contacted XXXX Experian and XXXX XXXX unfortunately as soon as I put my social Security number in on their website, it says that they have experienced an error. And asked me to call a phone number. When I call the phone number and enter my Social Security number they then say I have to contact them by mail. I have done this multiple times requesting a copy of my credit report or if there is some type of problem with my Social Security number in their system to please fix it. I have given them copies of my drivers license, bank statements, insurance information, and different things to verify my identity, but I have gotten no response from them. Except a letter from Experian asking for the same information over again that Ive already submitted twice before. At this point, I dont know what to do. I have XXXX credit because there must be something wrong in their system. I contacted the Social Security administration and they told me that there are no issues with my my number. The only thing they did verify which I was already aware of is that as a child my number was stolen and I had to be issued a second number that is the number I am currently using now I have no idea what that first number was. If you could please help me figure this out I would really like to start establishing credit.

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 2025-11-03 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:
I am filing this complaint regarding an account being reported by XXXX on my credit report. The furnisher is inaccurately reporting this account as an installment loan with missed payments, when in reality it was a charged-off checking account. This account is also being reported XXXX, which is a clear case of XXXX  reporting. The current reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to ensure maximum possible accuracy. Because of this false loan status, the erroneous payment history, and the XXXX  entry, I am being unfairly denied credit opportunities and suffering financial harm. I am requesting that this account be corrected immediately either by removing the XXXX  and updating the account to reflect its correct status as a charged-off checking account with no payment history, or by deleting the account entirely if accurate reporting can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am filing this complaint regarding an account being reported by XXXX on my credit report. The furnisher is inaccurately reporting this account as an installment loan with missed payments, when in reality it was a charged-off checking account. This account is also being reported XXXX, which is a clear case of XXXX  reporting. The current reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to ensure maximum possible accuracy. Because of this false loan status, the erroneous payment history, and the XXXX  entry, I am being unfairly denied credit opportunities and suffering financial harm. I am requesting that this account be corrected immediately either by removing the XXXX  and updating the account to reflect its correct status as a charged-off checking account with no payment history, or by deleting the account entirely if accurate reporting can not be verified.

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 2025-11-03 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit XXXX  regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the XXXX  are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains multiple auto-related credit inquiries that I never personally authorized. These inquiries are listed as recent and ongoing, creating a false impression that I have been actively applying for new vehicle financing, which is entirely inaccurate. The following inquiries are currently reporting : XXXX XXXX - Auto Dealers, New - XX/XX/year> ( TransUnion ) ALLY FINANCI - Auto Financing - XX/XX/year> ( TransUnion ) XXXX - Auto Financing - XX/XX/year> ( TransUnion ) REGIONALAC - Auto Loans- XX/XX/year> ( TransUnion ) XXXX XXXX - Auto Dealers, New - XX/XX/year> ( TransUnion ) XXXX - Auto Financing - XX/XX/year> ( TransUnion ) I have not submitted any credit applications with these businesses around the dates shown, nor have I provided authorization for them to perform credit inquiries under my name. The repeated presence of multiple inquiries from auto lenders and dealerships on the same dates raises serious concerns about how my personal data is being shared or accessed without my consent. 

Under XXXX XXXX XXXX XXXX, which forms part of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like TransUnion are legally required to ensure that all information including credit inquiries is reported accurately and only when there is a permissible purpose. If no legitimate application or consent was given, then TransUnion is not permitted to maintain those inquiries on my file. XXXX to do so after a consumer dispute is a violation of both the accuracy and reinvestigation provisions of the FCRA. 

I have already disputed these inquiries directly with TransUnion, but the responses I received were insufficient. Rather than providing proof of authorization or documentation from the original inquirer, I was given a generic verified as accurate statement. That does not meet the FCRAs requirement for a reasonable investigation. It is XXXX duty to verify that each inquiry was legitimately authorized not to simply confirm the furnishers claim. 

These unapproved inquiries have lowered my XXXX XXXX and affected my creditworthiness, making it seem as if I am overextending myself financially. Beyond the financial harm, this has been extremely stressful and disheartening. I take my privacy and credit reputation seriously, and it is alarming to see my personal financial data accessed and distributed without proper authorization or accountability.

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 2025-11-03 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:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in direct breach of 15 USC 1666. My payment history has always been timely, and any errors reflected in these records are both improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
" On XX/XX/XXXX, one day after Monterey opened a collection account, I sent detailed written dispute via email explaining XXXX XXXX ( original creditor ) cancelled my timeshare membership, retained my XXXX XXXX in payments, and provided XXXX services. I asked three specific questions : Why do I owe if no service? Will membership be reinstated if I pay? Will interest be waived? 
XX/XX/XXXX : Monterey responded within 24 hours but completely ignored all three questions, demanding only 'payment method and expiration date. ' This proved receipt while demonstrating deliberate evasion of FDCPA obligations. 
XX/XX/XXXX : Monterey sent letter falsely claiming 'we have not been informed of any valid reasons for your failure to honor your obligation ' despite having received and responded to my dispute 40 days earlier. They demanded payment within 48 hours during active dispute.ne. i asked for me retroactively paying any outstanding debt and return to regular payment plan which was denied. i was told I have to pay entire amount at once and I was not allowed to use any services until then. 
Prior to contacting Monterey I also contacted the originator of the debt, XXXX XXXX XXXX by XXXX For 17 months XXXX XXXX XXXX XXXX XXXX Monterey provided no substantive validation, continued credit reporting, and accrued {$2900.00} in interestall during active written dispute violating FDCPA XXXX ( b ). 
XX/XX/XXXX : Only after XXXX  forwarded credit bureau dispute did Monterey finally respond with contract copy but no assignment documentation, payment history, or answers to my XX/XX/XXXX questions. 
Violations : Collection during written dispute ( 1692g ( b ) ), false representations ( 1692e ( 8 ), 1692e ( 10 ) ), harassment ( 1692d ), furnishing inaccurate information ( FCRA 1681s-2 ). 
I paid XXXX XXXX $ XXXX for timeshare. XXXX XXXX cancelled membership, provided XXXX services, kept my payments. This debt arises from creditor 's breach, not consumer default. Monterey demands {$11000.00} ( total ~ {$14000.00} ) with no service provisionunconscionable demand. 
I sent formal demand letter via certified mail requesting deletion within 7 days. Monterey systematically violated federal law for 22 months. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation