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 — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: CT

Complaint narrative:
XXXX XXXX, green sky XXXX, XXXX XXXX. 
It's showing late payments, and it is inaccurate.

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: FL

Complaint narrative:
I am writing to formally report that I am a XXXX XXXX XXXX XXXX Without my knowledge or authorization, my personal information has been unlawfully used to open accounts and create financial obligations that do not belong to me. 

I want to state clearly that I never applied for, consented to, or benefited from these accounts. Any activity linked to them is fraudulent and should not be associated with my name or credit history.

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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX Is reporting accounts that are inaccurate and can not be verified.

Under FCRA 15 U.S.C. 1681i, unverifiable accounts must be deleted. 
In XXXX v. XXXX, the court confirmed XXXX duty to ensure accuracy and properly investigate disputes.

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 potentially harmful information being reported on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt investigation into the following accounts that are reporting incorrectly. 
Accounts in Dispute : XXXX. XXXX & XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$480000.00} XXXX. XXXX FCU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$6800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My brother passed away in XXXX  so I went to XXXX and while there I broke my leg, the cast they put was crooked so I had to get XXXX and didnt have access to my phone, my mother contacted Citibank to pay off my balance but they wouldnt give her any info as how much she has to pay and how to pay it, when I got my phone back I paid the account in full including late fees and spoke to a XXXX who said they will take care of the issue but after they hadnt for a month I called them again and they said they couldnt do anything since a billing statement had passed already. I had provided them with the hospital receipt and X-rays and doctors XXXX papers. Note : they write their date as day first then month then year. Another thing is the first late payment I had on the account earlier that year, they had removed it as courtesy so I dont know why it shows still

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX To : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Request for Deletion of Inaccurate Accounts FCRA 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal of the following accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). This section requires Experian to conduct a proper reinvestigation of disputed information within 30 days and provide a complete disclosure of your Method of Verification. Please note that the use of automated systems such as e-OSCAR does not satisfy this statutory requirement. 
The accounts listed below are inaccurate and unverifiable : XXXX XXXX Account XXXX. XXXX XXXXXXXX XXXX XXXXXXXX / XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX ( XXXX  ) Account No. XXXX You have previously failed to properly verify and remove this false information, which constitutes a violation of your legal obligations under the Fair Credit Reporting Act. 
If these accounts are not deleted within 30 days from the date of your receipt of this letter, and if you fail to provide your complete Method of Verification, I will have no choice but to pursue legal action against Experian for noncompliance with the FCRA. 
Please send all written correspondence, investigation results, and your Method of Verification to the mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit, this request is for documentation regarding the removal of a collection account previously reported by your company to the credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a written request for debt validation which your company failed to provide. I have observed that the collection account has been removed from my credit reports, but I have not received any written confirmation or explanation from your company. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
XXXX sent the same false charge to collections twice, ignoring my dispute letters and multiple phone calls. They requested I break their terms and conditions and when i did not I was charged nearly {$700.00}.

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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint against Ally Financial for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) related to inaccurate and unlawful credit reporting practices. 
SUMMARY OF VIOLATIONS : Ally Financial has furnished grossly inaccurate information to the credit bureaus regarding my repossessed vehicle ( XXXX ), causing severe damage to my credit profile. 
1. FAILURE TO APPLY AUCTION SALE PROCEEDS After my vehicle was repossessed and sold at auction, Ally FAILED to apply the sale proceeds to my outstanding loan balance. The balance being reported does not reflect the auction sale amount, resulting in an artificially inflated debt. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate and complete information.

2. DOUBLE COUNTING - REPORTING BOTH REPO AND CHARGE-OFF My credit reports show this account being reported as BOTH a repossession AND a charge-off. This is the same debt being counted twice, which : Artificially inflates my total debt obligations Damages my credit score multiple times for a single account Violates FCRA 's accuracy requirements under 15 U.S.C. 1681s-2 ( a ) ( 1 ) A single account can not be reported as both a repossession and a charge-off. This is double counting and is prohibited.

3. INCONSISTENT REPORTING ACROSS BUREAUS The amount reported to Equifax differs from the charge-off amount reported to the other credit bureaus.

This irregular reporting pattern demonstrates Ally 's failure to maintain accurate records and furnish consistent information as required by FCRA. 
4. INACCURATE PAYMENT HISTORY The payment history being reported contains false and inaccurate information that does not reflect my actual payment performance on this account.

5. FAILURE TO PROVIDE REQUIRED NOTICES - FDCPA VIOLATION Ally failed to provide proper notices to both parties as required under the Fair Debt Collection Practices Act 15 U.S.C. 1692e. This constitutes deceptive practices in connection with debt collection.

6. FAILURE TO INVESTIGATE DISPUTES - FCRA 611 ( a ) and 623 ( b ) I have disputed these inaccuracies with the credit bureaus on multiple occasions. Despite receiving notice of my disputes, Ally has : Failed to conduct a reasonable investigation Failed to review all relevant information Failed to correct the inaccurate information Continued to verify false information This violates FCRA 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have given my orders to deploy to terminate my lease to XXXX that I wont be here to pay for the rent I want it to deleted of 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased a computer from a vendor through XXXX. The computer failed and I sent it back to vendor. I used my American Express XXXX card ( AMEX XXXX ). Once the item was received by the vendor they notified me on the XXXX of XXXX that a credit had been issued. I checked the Amex account and it was not posted on the XXXX. I had been billed by Amex and it was due on the XXXX of the month each month. In that I had to pay the bill or risk being late, I paid the total bill because it had not posted. This meant that I had a refund of {$1900.00} as well as the total bill of {$2300.00} received by Amex. I had {$4300.00} of credits on my account. On the XX/XX/XXXX of the month I checked and it showed both had posted. I made another purchase on XX/XX/XXXX, from XXXX XXXX in the amount of {$1500.00} and on XXXX XXXX, for {$190.00}. When I received my bill from Amex, they had failed to refund the {$1900.00}. Instead they charged me for both computer purchases and put a {$170.00}. XXXX credit on my card. And put the XXXX purchases on the bill. Of the {$4300.00} that was on my account, the {$1900.00} should have been refunded. The {$2300.00} would have been more than sufficient to cover the cost of the second charges made on XX/XX/XXXX and XXXX. That did not happen.

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: MT

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to report Equifaxs continued noncompliance and failure to properly investigate and remove identity theft accounts from my credit report. Despite my previous disputes dated XX/XX/year>, and XX/XX/year>, I have not received a lawful resolution. I have provided Equifax with all the necessary supporting documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and a signed sworn statement under penalty of perjury confirming that the account 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 does not belong to me. * * Equifaxs ongoing reporting of this information violates my rights under the Fair Credit Reporting Act ( FCRA ) 605B and 611 ( a ), which require them to block identity theft related accounts and conduct a reasonable reinvestigation within the legally mandated time frame.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute the inaccurate addresse that have appeared on my credit report. I believe the information in question is outdated or incorrect and does not reflect my current financial or residential history. As a consumer who values accuracy in credit reporting, I am requesting that a thorough investigation be conducted, and the necessary corrections be made to my credit file. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Under FCRA XXXX ( a ) ( 15 U.S.C XXXX ), which addresses obsolete information, I request that these incorrect addresses be removed immediately from my credit history. Their continued presence is not only misleading but also unfairly affects my creditworthiness. According to FCRA XXXX ( a ) ( XXXX ), credit inquiries must be made for permissible purposes, and I do not recall authorizing the ones listed. I am requesting that these inquiries be investigated and removed if they are found to be unauthorized.

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: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN HONDA FINANCEs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN HONDA FINANCE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. AMERICAN HONDA FINANCE XXXX XXXX AMERICAN HONDA FINANCE XXXX

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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the national credit bureaus and various furnishers for continuing to report inaccurate, inconsistent, and unverifiable information on my credit reports. 

Despite previous disputes and requests for correction, the following issues remain unresolved : XXXX XXXX XXXX XXXX XXXX, LA and XXXXXXXX XXXX XXXX, XXXX, LA. 
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 XXXXXXXX & XXXX ) XXXX Fin XXXX XXXX XXXX ) XXXX  XXXX Bankruptcy ( Ref # XXXX, filed XX/XX/year> )

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: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Subject : Request for Debt Validation and Removal of Unverified Student Loan Accounts from Credit Report To Whom It May Concern, I am writing to formally dispute several student loan accounts being reported under the name Dept. of EducationXXXX on my credit report. The accounts appear as follows : Dept. of EducationXXXX {$6500.00} Dept. of EducationXXXX {$2400.00} Dept. of EducationXXXX {$4600.00} Dept. of EducationXXXX {$480.00} These accounts are being reported to one or more credit bureaus without proper validation or documentation confirming their accuracy or legitimacy. I have previously requested verification directly from the reporting entity but have not received sufficient proof or documentation that these accounts are valid or belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my rights to dispute these debts and request validation. Until proper validation is provided, these accounts should not be reported to the credit bureaus. 

I respectfully request that the CFPB investigate this matter and require the Department of EducationXXXX ( or any associated servicer ) to : 1. Provide complete validation of these student loan accounts, including promissory notes and payment histories. 
2. Cease collection and reporting activity until validation is provided.

3. Permanently remove these accounts from my credit report if they can not be properly verified. 

This inaccurate reporting has negatively impacted my credit standing, and I am requesting your assistance in resolving this matter. I have attached a screenshot of my credit report showing the disputed accounts. 

Thank you for your prompt attention. Please contact me if you need additional information to complete your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
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: NY

Complaint narrative:
I am submitting to formally request the correction and update of inaccurate late payment information being reported on my accounts with XXXX, showing balances of {$2500.00} and {$4400.00}, each reported as late for XXXX  days. Upon careful review of my account statements and payment confirmations, I have determined that the current reporting of late payments does not accurately represent the true status or history of these accounts. 
XXXX XXXX * * * * * * * * * Balance : {$2500.00} XXXX XXXX * * * * * * * * * Balance : {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
I reviewed my credit report and noticed that the XXXX XXXX auto loan, last reported on XX/XX/year>, is being inaccurately reported. I'm disputing this account due to several errors, XXXX last payment listed is XXXX, XXXX account doesn't belong to me, XX/XX/XXXX account shows charged off XX/XX/year> with payment status listed as XXXX days late a payment can't be made after account is closed XX/XX/XXXX delinquency history shows XX/XX/XXXXdays late XXXX shows XX/XX/XXXX days late and XX/XX/XXXX days lateXX/XX/XXXXdays late and may is charged off, these need to be deleted theses discrepancies violate the FAIR CREDIT REPORTING ACT ( FCRA ) specifically ; 15 U.S.C. XXXXi, -is requiring all disputed information to be verified as accurate and complete,. 15 U.S.C. XXXX ( b ) requires credit bureaus to maintain maximum possible accuracy. This appears to be a third-party debt collector, and this also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXe, which prohibits the reporting of false or misleading information. I am formally requesting the method of verification used during your investigation, including. The name and contact information of the furnisher. what documents were reviewed Whether the investigation was conducted manually or via an automated system, if this information can not be verified with the source documentation, including a breakdown of payments and balance history, this account must be immediately removed from my credit report, per federal law.

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