vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against Equifax concerning the inaccurate and unlawful reporting of an account appearing on my credit report as : Account name XXXX XXXX, XXXX Account number XXXX  Issues with the Reporting : 1. Incomplete Account Number Equifax is reporting this account with only a partial account number, failing to provide a full and verifiable account identifier. This makes it impossible to validate the legitimacy of the debt or to properly investigate the accuracy of the reporting.

2. Improper Monthly Updates on a Charged-Off Account The account is listed as a charge-off, yet it continues to update monthly. This is a manipulation of the credit reporting system designed to extend the derogatory impact of the account by resetting the date of last activity and damaging my credit profile unfairly.

3. Missing Required Disclosures for Late Payments Several late payments are listed on the account. However, I never received any of the required disclosures or notices regarding these delinquencies before they were reported to the credit bureaus. This violates multiple provisions of federal law, including : 15 U.S. Code 1666b Requires timely notice and reasonable time to make payments before late fees or negative reporting 12 CFR 1026.11 Governs treatment of credit balances and account termination 15 U.S. Code 1681i Requires reinvestigation and substantiation of disputed information Legal Violations : Equifax is in violation of its obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by : Failing to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ) Failing to provide a proper method of verification upon request ( 15 U.S. Code 1681i ) Allowing unfair and deceptive reporting of an incomplete and legally defective account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. 


Please find attached a copy of my ID, the FTC complaints, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX was a XXXX XXXX XXXX XXXX  because of his XXXX orientation, belonging to the XXXX community. He was held against his will and XXXXXXXX XXXX for about XXXX yrs. his identity was fraudulent used and XXXX during this time causing damage to his personal credit profile. the accounts in question were XXXX XXXXXXXX acct for {$770.00} XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} this is a serious matter which an XXXX form was sent in and the bureaus still ignored making this a federal offense. These accounts must be removed immediately. 
move all XXXX missed payments with XXXX XXXXXXXX remove all XXXX missed payments with Selfinc/lead remove these accounts permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax for inaccurate and unlawful reporting practices related to the following account on my consumer credit report : Account Name : XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Nature of the Complaint : 1. Improper Updating of Charged-Off Account This account is listed as charged off, which means it should no longer be updating monthly. However, Equifax is still reporting monthly updates on this account, which is misleading and manipulates the credit scoring system by resetting the date of last activity. This practice prolongs the negative impact of the account beyond what is legally permissible. 
2. Inaccurate Late Payments The account also reflects several late payments that are inconsistent and inaccurate. I have not received any supporting documentation to justify these delinquencies.

3. Failure to Provide Verification Equifax has failed to provide the verification method or documentation used to conclude that the account was late or to justify the continued monthly updates. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accuracy and disclose the method of verification in case of disputes. 

Legal Violations : Equifax is in violation of the following provisions : 15 U.S. Code 1681i Procedure in case of disputed accuracy 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1666b Timing of payments and proper crediting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX open XX/XX/XXXX. I am not aware of this account. I have no clue what its about. It has to deal with false information. Security credit service opened XX/XX/XXXX of XXXX. For {$250.00} which Ive never had a credit security company so I dont know why thats on my credit. The other one is true accord corporation for {$450.00} I believe and this is another one that I am not aware of. And the date was XX/XX/XXXX so at this, could you please be blocked into and deleted all of my account that would be great

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 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: NY

Complaint narrative:
XXXXXXXX XXXX  account # XXXX XX/XX/XXXX {$11000.00} XXXX XXXX account # XXXX XX/XX/XXXX {$5800.00} These accounts were opened fraudulent and I did not authorize anyone to open any account on my behalf. These accounts have created a barrier in receiving services that I qualify for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
XXXXXXXX XXXX  account # XXXX XX/XX/XXXX {$11000.00} XXXX XXXX account # XXXX XX/XX/XXXX {$5800.00} These accounts were opened fraudulent and I did not authorize anyone to open any account on my behalf. These accounts have created a barrier in receiving services that I qualify for.

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 2025-06-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to me any of the information i requested XXXX with my other complaint they never sent sent verification of debt the ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
I am writing to formally dispute the unauthorized inquiry/furnishing of my consumer report. Upon reviewing my credit file, I noticed that comenity bank obtained/furnished information about me without my knowledge or consent.

Pursuant to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances, and only with the consumers consent for most non-credit-related purposes. I did not authorize or provide written consent to [ Company Name ] or any affiliate to access, view, or obtain my consumer report.

Because this inquiry/furnishing was made without permissible purpose or proper authorization, I demand that you : Immediately remove the unauthorized inquiry or entry from my credit report.

Provide me with documentation of the authorization that [ Company Name ] supposedly had to access or furnish my credit report, if any exists.

Provide the name and contact information of the party who accessed/furnished my report.

If you are unable to validate this inquiry in accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), you are required to remove the item within 30 days of receiving this notice.

Please be advised that continued reporting of inaccurate or unverifiable information may constitute willful noncompliance and could subject your agency to legal action under the Fair Credit Reporting Act.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I had an account with XXXX XXXXXXXX. I made a payment of the account in full of XXXX on XX/XX/XXXX. At this point I was XXXX  days past due, due to change of employment. I used my XXXX XXXX XXXX XXXX account which had funds. A few days later the payment was reversed. I contacted XXXX  to inquire and was told they could not find the banking institution. After confirming the info on the bank I asked them to check the account number, and they refused. I then paid the account in full again on XX/XX/XXXX while speaking with an associate who informed me once the payment cleared, they would notify the XXXX bureaus. At no point did the associate say the account was already closed. The payment cleared but didnt reflect in the available amount. When I called on XX/XX/XXXX I was told my account was closed due to lack of payment and that the account was past due more than XXXX days which is incorrect. The last payment made was XX/XX/XXXX and then the reversal on the XX/XX/XXXX. 
They took the payment, closed the account, reported to XXXX bureaus I was more then XXXX days past due and will not reopen account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I requested a payoff amount for my loan with EasyPay XXXX. They told me the payoff amount would be {$100.00}. I paid a total of {$100.00} to the company on XX/XX/year>. 
On XX/XX/XXXX, I received an email from the company letting me know that my statement was ready and that I had an amount due. I sent an email inquiring about this, as I had already received a payoff amount and paid it. They are now sending me a bill for an additional amount of {$15.00}. I asked numerous times via email why I was receiving a bill if I have already paid the payoff amount... All they did was send me an invoice for {$15.00}. If I already paid the -Pay Off- amount, I do not feel it's legal to be charged additional fees. 
Thanks for your time.

Company response to consumer: Closed with explanation