vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
RENTDEBT AUTOMATED COLLECTIONS, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account RENTDEBT AUTOMATED COLLECTIONS as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Manley Deas & Kochalski LLC
State: DC

Complaint narrative:
XXXX is attempting to collect a debt that I dont owe, theyre threatening to take me to court and sue me for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
I hold a private studentloan account with Sallie Mae, and in XX/XX/year> my payment was wrongly reported as 60 days late because their system locked me out of my online account ( see the attached Connectivity Issue screenshot ). When I called customer service, I was expressly told the late mark would be removed once access was restored. I immediately made the payment, yet Sallie Mae never corrected my account and the false XXXX late still appears on my credit report. I ask that you investigate and require Sallie Mae to delete this inaccurate late payment and notify the credit bureaus that my payment was made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I don't agree with the account listed below, which still appears on my credit report. Even after your investigation, I would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, this is Public Law 91-506. 
Title VI, Section 611, Subsection AD, please provide the name of business, addresses of each individual with whom you verified the above so that I may follow up. Please forward me an update credit report after you have complete your investigation and correction. Your cooperation and prompt attention are greatly appreciated. Thank you.

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 2025-06-11 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:
This is my second complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for continuing to report a closed XXXX account ( last 4 digits : XXXX ) that I previously disputed and was marked as verified without any valid supporting documentation.

In my initial dispute, I specifically requested verifiable proof that this account belonged to me and that the negative information was being lawfully reported. I received no signed contract, no account statements, and no valid evidence whatsoever. Instead, I received a direct letter from XXXX XXXX  ( attached ) that merely restates generic claims without providing any actual documentation. This does not fulfill the FCRAs verification requirements.

I am attaching my follow-up letter to the credit bureaus, along with a signed affidavit in which I state, under penalty of perjury, that I never authorized the continued reporting of this account and that I have never received proper verification.

These vague and unsupported responses represent a clear violation of the FCRA ( Sections 611 and 623 ), which requires that all information furnished to the credit bureaus be accurate, complete, and * * verifiable * *. If the credit bureaus can not obtain proper documentation, they are required to delete the item. They can not continue reporting unverifiable data.

I am demanding the permanent deletion of this account from all my credit reports.

Supporting documents attached : - Follow-up letter to the credit bureaus - Signed affidavit - Banks response with no evidence Thank you for your attention.

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 2025-06-11 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: TX

Complaint narrative:
This is my second complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for continuing to report a closed XXXX account ( last 4 digits : XXXX ) that I previously disputed and was marked as verified without any valid supporting documentation.

In my initial dispute, I specifically requested verifiable proof that this account belonged to me and that the negative information was being lawfully reported. I received no signed contract, no account statements, and no valid evidence whatsoever. Instead, I received a direct letter from XXXX XXXX  ( attached ) that merely restates generic claims without providing any actual documentation. This does not fulfill the FCRAs verification requirements.

I am attaching my follow-up letter to the credit bureaus, along with a signed affidavit in which I state, under penalty of perjury, that I never authorized the continued reporting of this account and that I have never received proper verification.

These vague and unsupported responses represent a clear violation of the FCRA ( Sections 611 and 623 ), which requires that all information furnished to the credit bureaus be accurate, complete, and * * verifiable * *. If the credit bureaus can not obtain proper documentation, they are required to delete the item. They can not continue reporting unverifiable data.

I am demanding the permanent deletion of this account from all my credit reports.

Supporting documents attached : - Follow-up letter to the credit bureaus - Signed affidavit - Banks response with no evidence Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
Details of the Dispute : Bridgecrest is currently reporting a repossession related to an auto loan ; however, there are multiple issues with this account that render the reporting inaccurate : 1. 2. Lack of Proper Notice ( UCC & State Law Compliance ) : According to the UCC and applicable state laws, when a vehicle is repossessed and sold, the creditor is required to send both a Notice of Sale and a Notice of Deficiency explaining the sale details, including the final sale amount and any remaining balance. 
I spoke with a representative from Bridgecrest, XXXX, who informed me that the vehicle was sold 60 days ago. Despite this, I have not received any Notice of Sale or Deficiency, either by email or mail, even though Bridgecrest has both my email and home address on file.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S.C. 1681 ), information furnished to consumer reporting agencies must be accurate and verifiable. The failure to provide sale documentation raises serious concerns about the validity and accuracy of the balance being reported.

Request for Action : I am requesting the following under my rights granted by the FCRA : Immediate investigation into this matter.

Removal or correction of any inaccurate or unverifiable information being reported by Bridgecrest. 
A written explanation of your findings after the investigation is complete. 
The vehicle in question has been sold ; however, Bridgecrest is still reporting a balance of over {$10000.00} on my credit report. This is inaccurate and misleading fraudulent reporting This constitutes fraudulent reporting and a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be accurate and up to date. 
If this matter is not corrected promptly, I will be forced to pursue legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am requesting immediate correction of this false information and a full investigation into the reporting practices associated with this account. 
Please consider this letter as a formal dispute under 15 U.S.C. 1681i of the FCRA. I have enclosed a copy of my credit report with the account in question highlighted for your convenience. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as Required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft
and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Dear Consumer Financial Protection Bureau XXXX I am filing this complaint to formally request that Equifax XXXX and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) within four ( 4 ) business days of receiving this notice. 

The following accounts and collections currently appearing on my Equifax credit report were not opened, authorized, or initiated by me, and are the result of identity theft : - A Bank XXXX XXXX credit card account opened in XX/XX/XXXX, Account No. XXXX - A XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account XXXX. XXXX - A XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account XXXX. XXXX - A XXXX XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account No. XXXX - A XXXX XXXX collections account opened in XX/XX/XXXX, Account XXXX. XXXX These unauthorized accounts have resulted in several fraudulent hard inquiries and negative marks on my credit report, causing serious harm to my credit profile. 

To support this identity theft claim, I have included the following documentation : A copy of the FTC Identity Theft Report ( Complaint # XXXX ), which verifies that these items are the result of identity theft In accordance with the Fair Credit Reporting Act, I respectfully request that Equifax immediately block and remove the above referenced fraudulent accounts, collections, and related inquiries from my credit report. 

Furthermore, I demand that these items be removed from all of my consumer credit reports, and that any collection efforts or charge-off activity related to these accounts be ceased immediately under the rights afforded to me by the FCRA and XXXX FDCPA. 

Thank you for your prompt attention to this matter. I am available to provide any additional information or documentation if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-11 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: FL

Complaint narrative:
I am submitting this complaint to Experian about inaccurate information on my credit report that has not been validated, confirmed, or physically verified. 

I have found entries that appear erroneous and remain unverified. Under my federal and state consumer rights, I have the right to demand their immediate removal. This notice also ensures your reporting follows the requirements of FACTA Title I, Section 151, which outlines proper verification procedures.

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 2025-06-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Prior to my dispute, the credit report XXXX  provided listed no information under the " Recent Payment '' field for this account. After submitting a dispute, XXXX  updated the report to show a recent payment of {$400.00} as of XX/XX/year>2023, which did not appear in the original version. 
I have attached side-by-side screenshots showing the " Before '' and " After '' versions of the report, which clearly display this inconsistency. 
If the " Recent Payment '' data was correct, it should have been included from the beginning. If it was incorrect and added after the dispute, it raises serious concerns about the accuracy and verification process followed by XXXX  during their reinvestigation. This may represent a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy.

- 15 U.S. Code 1681i ( a ) : Inadequate reinvestigation procedures following a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation