vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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:
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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authorize anyone to furnish such accounts.

I also dispute the following hard inquiries on my credit report. Under the FCRA, section 611 ( 15 USC 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. A LIST OF ALL INQUIRIES UNUATHORIZED BY MYSELF, OLNY 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 explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-10-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
CFPB Follow-Up Response Disputed Debt Not Validated Account No. : XXXX XXXX Collection Lofts/ Fair Collections & Outsourcing ( XXXX ) I am submitting this follow-up because the companys response does not satisfy the requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The company stated that a verification of debt would be sent to me ; however, I have never received any of the following required documentation : A copy of the original signed lease or contract bearing my signature ; An itemized statement or payment history explaining how the alleged balance of {$12000.00} was calculated ; Proof that Fair Collections & Outsourcing has the legal authority to collect this debt. 

Without these documents, the alleged debt remains unverified and must not be reported to any credit bureau or pursued for collection. Merely stating the amount owed and the name of the creditor does not constitute verification as required by law. 

As of today, I have not received a valid debt validation letter, and the company has not proven ownership or assignment of this debt. I therefore maintain that this debt is not mine and that any continued reporting or collection activity violates my consumer rights under federal law. 

I am requesting that the CFPB : Reopen this complaint, Require the company to provide complete validation of the alleged debt, or Instruct the company to delete this unverified account 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 2025-10-13 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
When I try to log into my account, it says the account was not found. I need to be able to verify with my phone number : 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 2025-10-13 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to have all information contained in my credit file be 100 % accurate and verifiable. My dispute is based on the following : This account was reported as charged off and bears a XXXX ' internal notation, strongly implying debt cancellation, yet continues to report an outstanding balance. This contradictory status makes the balance unverifiable and inaccurate, violating 15 U.S.C. XXXX of the FCRA and rendering the data non-compliant with Metro 2 reporting guidelines. 
Under XXXX Metro 2 reporting standards, once a debt is charged off and sold, the original creditor must report a {$0.00} balance and use the appropriate status cXX/XX/XXXXe to reflect that the account has been transferred or sold to another lender ( Status CXX/XX/XXXX XXXX ). Continuing to report an outstanding balance is inaccurate because the original creditor no longer owns the debt. 

The following account is reporting an inaccurate balance : XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$1000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$2000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act, this credit has violated my rights under 15USC XXXX, section XXXX states I have the right to privacy. 
Under 15USC XXXX section XXXX, Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX This account must be immediately deleted from my credit file as it exceeds the maximum permissible reporting period defined by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXc, having been reported for over XX/XX/XXXXyears since the Date of First Delinquency ( XX/XX/XXXX ). 

Bk of XXXXXX/XX/XXXX I demand the immediate deletion of theXX/XX/XXXX record from this report because it is obsolete. Furthermore, its presence on myEquifax report, while having been removed from the reports furnished by Transunion and Experian, demonstrates a failure to assure maximum possible accuracy in violation of 15 U.S.C. XXXX ( b ), rendering the entry unverifiable and incomplete.

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 2025-10-13 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to have all information contained in my credit file be 100 % accurate and verifiable. My dispute is based on the following : This account was reported as charged off and bears a XXXX ' internal notation, strongly implying debt cancellation, yet continues to report an outstanding balance. This contradictory status makes the balance unverifiable and inaccurate, violating 15 U.S.C. XXXX of the FCRA and rendering the data non-compliant with Metro 2 reporting guidelines. 
Under XXXX Metro 2 reporting standards, once a debt is charged off and sold, the original creditor must report a {$0.00} balance and use the appropriate status cXX/XX/XXXXe to reflect that the account has been transferred or sold to another lender ( Status CXX/XX/XXXX XXXX ). Continuing to report an outstanding balance is inaccurate because the original creditor no longer owns the debt. 

The following account is reporting an inaccurate balance : XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$1000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$2000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act, this credit has violated my rights under 15USC XXXX, section XXXX states I have the right to privacy. 
Under 15USC XXXX section XXXX, Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX This account must be immediately deleted from my credit file as it exceeds the maximum permissible reporting period defined by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXc, having been reported for over XX/XX/XXXXyears since the Date of First Delinquency ( XX/XX/XXXX ). 

Bk of XXXXXX/XX/XXXX I demand the immediate deletion of theXX/XX/XXXX record from this report because it is obsolete. Furthermore, its presence on myEquifax report, while having been removed from the reports furnished by Transunion and Experian, demonstrates a failure to assure maximum possible accuracy in violation of 15 U.S.C. XXXX ( b ), rendering the entry unverifiable and incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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 2025-10-13 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-13 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: ME

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX in XXXX NJ, used my information to apply for lines of credit AFTER I was approved on XX/XX/year>. The following was unauthorized, without my knowledge or consent. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-10-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: AZ

Complaint narrative:
I started working with Citizens Debt Relief in XX/XX/year>. I had made several monthly payments in the amount of {$410.00}. In XX/XX/year> my daughter XXXX XXXX was home when a she was incorrectly served with judgement papers from XXXX XXXX  due to XXXX actions taken to resolve my outstanding debt. I had then contacted Citizens Debt Relief to inform them of this matter as well as my concerns that it had not been addressed prior too with Citizens Debt Relief having XXXX months of working with my debts. 

Please note in XXXX of XXXX  I had asked them to place a hold XXXX payment due to an unexpected medical emergency that had occurred. The following month I had noticed the payment had not been processed out of my bank account which I processed from my account they advised I would have to follow up with their payment processor to remove hold in which I did so. 

Following multiple calls to them concerning the judgment from XXXX XXXX. I had received a email from Citizens Debt Relief stating that they were going to sever the contract. Alarmed by receiving such a letter I again attempted to contact Citizens Debt Relief after XXXX attempts and not receiving a call back a representative by the name of XXXX returned my call and advised that email was sent in error and advised me to send them the judgement as well as a letter of hardship. I had completed his request within the following business day. 

Since that time Ive heard back once from another representative whom had advised that they were take care of the judgement as top priority but again have failed to follow up with me in regards to the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
In XX/XX/2025, while still on XXXX XXXX, I submitted a 30-day lease termination notice to XXXX XXXX XXXX XXXX because I had official military separation orders.

This termination was fully compliant with the Servicemembers Civil Relief Act ( SCRA 50 U.S.C. 3955 ), which allows service members to end residential leases without penalty when separating from the military. 

In XX/XX/2025, after I gave proper notice, the leasing agent told me I would have to withdraw my termination notice just to find out what the renewal rent would be. I agreed under pressure, but once I learned the renewal cost, I declined to stay because it was too expensive. The agent then said I would need to submit a new 30-day notice, restarting the clock even though my original SCRA notice was valid.

I vacated the unit according to my original schedule. Despite this, XXXX XXXX XXXX XXXX sent a supposed balance to National Credit Systems Inc., which is now reporting a collection on my credit reports.

This collection is invalid because I followed SCRA requirements, and the propertys demand to restart my 30-day notice was unlawful and deceptive. Reporting or collecting this debt violates both the Fair Credit Reporting Act ( 623 ( a ) ( 1 ) ( A ) ) and the Fair Debt Collection Practices Act ( 807 ( 2 ) ( A ) ).

I am requesting that National Credit Systems delete this collection tradeline from all credit bureaus and that XXXX XXXX XXXX XXXX acknowledge my original SCRA-protected termination and cease any collection activity for this invalid debt.

Company response to consumer: Closed with explanation