vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I am sending this complaint today to share the full story behind my account with XXXX XXXX XXXX  account number XXXX, because the way it is currently reported on my credit file does not reflect the true history of how this account was handled. I believe that accuracy is the foundation of fair reporting, and I want to ensure that my file reflects the reality of my payment history and the agreement I maintained with the creditor. When I opened this account on XX/XX/XXXX, it marked the beginning of a new chapter in my life. I had taken on new responsibilities, and securing reliable transportation was essential for my work, my family, and my daily commitments. From the very first day, I approached this account with seriousness and intention. I made every effort to stay on top of my payments, communicate with the creditor, and ensure that the account remained active and in good standing. The account remained active through XX/XX/XXXX, and the current balance of {$27000.00} reflects my continued commitment to fulfilling the agreement.Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Reporting Act ( CRA ), I have the right to dispute information that is inaccurate or incomplete. 15 U.S. Code 1666 gives me the right to request correction of billing errors, and 15 U.S. Code 1666a outlines the responsibilities of creditors when information is disputed. Additionally, CRA 611 ( 15 U.S.C. 1681i ) requires to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furnishers also have clear responsibilities under FCRA 623 ( a ) ( 2 ) to correct and update information that is incomplete or inaccurate, and under FCRA 623 ( b ) to conduct a proper investigation once notified of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
Response to Company / Request for Resolution The companys response does not resolve my complaint. 

They provided insurance declarations and policy information only. These documents do not contain my signature or any verifiable e-signature evidence. The company admits the signature page was not provided and claims it was retained by the agent. 

An agent or company authorized signature does not establish consumer consent. No consumer-authenticated agreement, e-signature audit trail, timestamp, IP address, or authentication method was produced. 

Because the alleged debt has not been properly validated, continued reporting or collection is inaccurate under the FDCPA, FCRA, and California law. I am requesting deletion of this account from all credit reporting agencies or proper validation that includes proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-27 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: GA

Complaint narrative:
Equifax is reporting multiple accounts on my credit file that I disputed and provided documentation for. Instead of conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), Equifax improperly labeled my disputes as frivolous and refused to reinvestigate. 
Equifax claims the disputed items were verified, but failed to provide any method of verification or documentary proof. This includes bankruptcy information that Equifax claims was verified through the U.S. Bankruptcy Court. 
I obtained a written letter dated XX/XX/year> from the United States Bankruptcy Court, Middle District of Georgia, confirming that the court does NOT report or verify information to credit reporting agencies and has no jurisdiction over credit reporting. Therefore, Equifaxs claim of verification is false.

Equifax continues to report unverifiable information and refuses to allow further disputes through its online system, despite my submission of new material evidence. This constitutes failure to conduct a reasonable reinvestigation and improper use of the frivolous dispute designation. 
The accounts involved include, but are not limited to : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX 
Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifaxs actions violate 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 3 ), and 1681i ( a ) ( 5 ). These inaccuracies are causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AR

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit reports from Equifax, Experian, and TransUnion. My reports contain multiple incorrect addresses ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AR ), late-closed accounts ( XXXX  XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} ), charge-offs ( XXXX/XXXX  {$2600.00}, XXXX XXXX XXXXXXXX {$36000.00} ), and multiple inquiries that may be outdated or unauthorized ( XXXX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX and others XXXX. These inaccuracies violate FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605, 607, and 604 ( a ) and misrepresent my credit history, negatively affecting my creditworthiness. Despite prior attempts to have these corrected, the reports continue to contain incorrect or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice.

Please note : I am not admitting responsibility for any account reported.

Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted.

Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes.

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-12-27 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: NV

Complaint narrative:
I am sending this complaint today because, after carefully reviewing my credit report, I found myself deeply troubled by the way two particular accounts are being reported. As someone who has been working hard to rebuild financial stability and move forward from past hardships, it was discouraging to discover that the information associated and appears inconsistent, incomplete, and potentially in violation of several federal consumer protection laws. I felt compelled to reach out because the way these accounts are currently displayed does not reflect the truth of my financial history, nor does it align with the standards of accuracy and fairness required under the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX CARD XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} As I continued reviewing these accounts, I realized that the inconsistencies were not minor clerical errors but rather significant issues that could affect my ability to secure housing, employment, or credit. The FCRA gives me the right to dispute any information that is inaccurate or unverifiable, and I am exercising that right now because I believe these accounts have not been reported in a manner that reflects the truth. The shifting dates, unclear DOFDs, and inconsistent balances all suggest that the furnishers may not have provided complete documentation or that may not have conducted a thorough verification process. For these reasons, I am requesting that conduct a full reinvestigation of both accounts. I am asking that you contact the furnishers directly and obtain original documentation not automated data or summaries to verify the accuracy of the information being reported. This includes the correct DOFD, the complete payment history, the original signed agreements, and any documentation that supports the reported balances and statuses. If the furnishers can not provide complete and legally compliant documentation, then under the FCRA, these accounts must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I am sending this complaint today because, after carefully reviewing my credit report, I found myself deeply troubled by the way two particular accounts are being reported. As someone who has been working hard to rebuild financial stability and move forward from past hardships, it was discouraging to discover that the information associated and appears inconsistent, incomplete, and potentially in violation of several federal consumer protection laws. I felt compelled to reach out because the way these accounts are currently displayed does not reflect the truth of my financial history, nor does it align with the standards of accuracy and fairness required under the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX CARD XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} As I continued reviewing these accounts, I realized that the inconsistencies were not minor clerical errors but rather significant issues that could affect my ability to secure housing, employment, or credit. The FCRA gives me the right to dispute any information that is inaccurate or unverifiable, and I am exercising that right now because I believe these accounts have not been reported in a manner that reflects the truth. The shifting dates, unclear DOFDs, and inconsistent balances all suggest that the furnishers may not have provided complete documentation or that may not have conducted a thorough verification process. For these reasons, I am requesting that conduct a full reinvestigation of both accounts. I am asking that you contact the furnishers directly and obtain original documentation not automated data or summaries to verify the accuracy of the information being reported. This includes the correct DOFD, the complete payment history, the original signed agreements, and any documentation that supports the reported balances and statuses. If the furnishers can not provide complete and legally compliant documentation, then under the FCRA, these accounts must be deleted from my credit file.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to disclose status of account receivable due from me. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whose Artificial Intelligence responds my CFPB complaints addressed to fake company XXXX XXXX XXXX XXXX, I did not paid for XX/XX/year> and all consecutive months and my projected escrow is {$1200.00} According to unnamed Financials the current escrow surplus is {$1400.00} According to my payments, after I paid all escrow in full twice, the escrow surplus from my payments between XXXX XXXX to present time is {$1700.00} I already paid for XXXX, 2025 and for all consecutive months. 

Please disclose who received all my payments and on whose account receivable they are deposited I demand to stop illegal use of unregulated Artificial Intelligence for criminal purposes in response to my CFPB complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I am disputing multiple hard inquiries on my Experian credit report that I completely do not recognize and did not authorize. I am a victim of identity theft and did not initiate, request, or consent to any of these inquiries. These inquiries include : - XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX  ( XXXX/XXXX/XXXX ) - XXXX  ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA 604, 607 ), a consumer reporting agency may only report inquiries that I have authorized. Reporting inquiries I did not authorize is inaccurate, unauthorized, and harmful to my credit. I request that Experian, as the consumer reporting agency, contact each furnisher to verify that I authorized these inquiries. Any inquiry that can not be fully verified as authorized must be removed from my credit report. Continued reporting of unauthorized inquiries violates FCRA 604 and 607.

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 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), Which requires the reporting of 100 % accurate information. I've suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate and I demand their immediate removal. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) XXXX Date : XX/XX/XXXX To : XXXX Subject : Formal Dispute of Inaccurate Credit Information FCRA 611 Dear Sir or Madam, I am writing to formally dispute inaccurate and/or unverifiable information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

After reviewing my credit report, I have identified the following accounts that contain inaccurate, incomplete, or misleading information : 1. Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Creditor : NAVY FEDERAL CREDIT UNION ( NAVY FCU ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information reported for these accounts is inaccurate and does not reflect correct or verifiable facts. The reporting contains errors related to account status, payment history, balance, and/or ownership. I dispute the accuracy and completeness of these accounts as currently reported.

Under FCRA 611 ( a ), you are required to conduct a reasonable investigation into these disputed items and verify the accuracy of the information directly with the furnishers. If the information can not be fully verified with competent evidence, it must be deleted or corrected immediately. 
Additionally, please provide me with : A detailed description of the investigation conducted The method of verification used The name, address, and phone number of the party that verified the information If these accounts can not be verified within 30 days, they must be removed from my credit file as required by federal law. 
Please send me a written confirmation of the results of your investigation along with an updated copy of my credit report. 
This letter is not an acknowledgment of responsibility for any alleged debt. It is a formal request for compliance, accuracy, and lawful reporting. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I am sending this complaint today because, after carefully reviewing my credit report, I found myself deeply troubled by the way two particular accounts are being reported. As someone who has been working hard to rebuild financial stability and move forward from past hardships, it was discouraging to discover that the information associated and appears inconsistent, incomplete, and potentially in violation of several federal consumer protection laws. I felt compelled to reach out because the way these accounts are currently displayed does not reflect the truth of my financial history, nor does it align with the standards of accuracy and fairness required under the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX CARD XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} As I continued reviewing these accounts, I realized that the inconsistencies were not minor clerical errors but rather significant issues that could affect my ability to secure housing, employment, or credit. The FCRA gives me the right to dispute any information that is inaccurate or unverifiable, and I am exercising that right now because I believe these accounts have not been reported in a manner that reflects the truth. The shifting dates, unclear DOFDs, and inconsistent balances all suggest that the furnishers may not have provided complete documentation or that may not have conducted a thorough verification process. For these reasons, I am requesting that conduct a full reinvestigation of both accounts. I am asking that you contact the furnishers directly and obtain original documentation not automated data or summaries to verify the accuracy of the information being reported. This includes the correct DOFD, the complete payment history, the original signed agreements, and any documentation that supports the reported balances and statuses. If the furnishers can not provide complete and legally compliant documentation, then under the FCRA, these accounts must be deleted from my credit file.

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 2025-12-27 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: AZ

Complaint narrative:
I have challenged a few accounts on my report. I have done this XXXX different times, starting in XXXX XXXX. I have requested documents used to verify that the account is reporting correctly. 
On all occasions, the statement is correct, and no changes will be made. Most are started and fished the same day. No information is available on how or what documents were viewed. Just stating verified is not enough ; I want to see all documents used in this matter. 

This is my last step before seeking legal help. 

I have copies of all XXXX letters sent.

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 2025-12-27 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

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