vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: NV

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : Second Notice Formal Dispute of Inaccurate Credit Reporting Account # XXXX Dear XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX [ date of your first letter ], I submitted a formal dispute regarding the inaccurate and incomplete information your company is reporting to the credit bureaus concerning the above-referenced auto loan account. 

To date, I have not received any evidence or documentation verifying the accuracy of the reported information. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, and my complaint has been acknowledged.

Legal Requirements Under FCRA Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 623 ( b ) : A furnisher must conduct a reasonable investigation of disputed information.

The furnisher must provide documentation verifying the accuracy of the information being reported. 

If the furnisher can not verify the information, they are required to delete or correct the information with all credit reporting agencies. 

Ongoing Violations Identified Duplicate Balance Reporting The same {$27000.00} is being listed as both " charged off '' and " past due, '' which is misleading ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Incomplete Data The fields for " Original Creditor '' and " Company Sold '' remain blank, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report complete and accurate information ).

Missing Payment History Absence of monthly pa
yment data misrepresents the accounts history.

Verification Failure You have not provided any signed contract, payment history, or other documentation verifying this account ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Final Demand If you can not provide full documentation verifying the accuracy and completeness of this account within 15 days of receiving this letter, you are required by law to : 
Notify all credit bureaus to delete or correct this account immediately.

Provide me with a copy of the results of your investigation as required by FCRA 611 ( a ) ( 6 ).

Failure to comply will result in : Filing additional complaints with the CFPB, FTC, and my state attorney general. Considering legal action for willful noncomplianc
e under FCRA 616 and 617, which allow for actual, statutory, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
According to 15 USC 1692 ( C ) you have violated my rights by unlawful communications. Please remove this account off of my credit report. Thank you

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 2025-08-02 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: GA

Complaint narrative:
Experian, equifax, TransUnion Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$550.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2000.00} written off. {$2000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/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 2025-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I make bi weekly payments. In XX/XX/year> I made XXXX payments, so one should Hve been principal only. That did not happen. Last time I spoke to someone, the guy was very disrespectful and repeated my address and said sounds like a nice are like he was going to visit me. They need to fix the payment and adjust the interest I have accrued because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have disputed this account with XXXX  three separate times over the past three months. Each time, I requested verification of the account under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. XXXX  has not provided any documentation or proof from the original creditor or furnisher to verify that this account belongs to me or that the information is accurate. 

The FCRA gives credit reporting agencies 30 days to investigate and provide proper verification. That time has passed multiple times, and I have received no evidence or support from XXXX. Despite this, the item remains on my credit report, which is negatively affecting my credit history. 

I am now requesting that this account be removed completely from my credit report due to failure to verify within the legal timeframe. XXXX  is in violation of the FCRA by continuing to report unverifiable information. I am asking for this matter to be investigated and resolved immediately.

TRANSWORLD SYSTEM INC/94

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit file.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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

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 2025-08-02 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and unverifiable information in my file. The accounts do not have the required Date of First Delinquency and contain missing or incorrect data, which violates federal reporting rules & XXXX XXXX Laws. These errors have caused me to be denied banking services and created financial harm. I have requested deletion or proper verification, but the information remains. I am asking for a full investigation and immediate removal of any unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
2. Portfolio Recovery Associates - Account opened : XX/XX/year>2024 - Reported amount : {$640.00} Under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, specifically 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide clear and complete information about a debt, including itemization and validation, before reporting the debt or continuing collection efforts.

Despite my attempts to obtain sufficient validation of these debts, neither of the companies has provided proper documentation showing : - The name of the original creditor, - A breakdown of the amount owed ( principal, interest, fees ), - Verification that the debt is valid and that I am legally responsible for it.

Due to the lack of required disclosures and failure to comply with federal validation standards, I am respectfully requesting the CFPB investigate these accounts and compel the above agencies to remove the collections from my credit report if they can not fully validate the debts in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Description of Investigation Process Disputed Accounts on my Credit Report ( Experian ) To whom it may concern, After Experian completes its investigation which is written in this complaint, please, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed five accounts that are not reporting accurately. They show late payments, but these accounts were paid on time. The consumer reporting agencies are legally required to report all information with complete accuracy. These accounts should not reflect any delinquencies. Ive attached screenshots of each account as evidence of timely payment. 

The accounts in question are : XXXX XXXX Showing XXXX, XXXX, and XXXX late payments, when all payments were current. 

XXXX XXXX XXXX account showing a false XXXX late mark. 

XXXX XXXX Reported as XXXX, XXXX, and 90 days late, despite consistent payments. 

XXXX XXXX ( XXXX Account ) Inaccurately marked 30 days late. 

XXXX XXXX XXXX XXXX XXXX payment not substantiated by payment history. 

These inaccuracies are damaging to my credit file and are in violation of multiple federal laws. 

Legal Violations Identified : FCRA 1681e ( b ) : Experian must follow reasonable procedures to ensure maximum possible accuracy of information.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reinvestigation if the completeness or accuracy of any item of information is disputed.

FCRA 1681i ( a ) ( 7 ) : Entitles consumers to a description of the reinvestigation procedure used.

FCRA 1681s-2 ( b ) : Furnishers of information are required to promptly correct or delete inaccurate or incomplete information.

FCRA 1681a ( 2 ) ( A ) ( i ) : Prohibits the inclusion of misleading experiential data unless appropriately verified.

TILA 1666b : Requires periodic billing statements to be delivered 21 days before the due date.

TILA 1637 ( b ) : Requires detailed disclosure of all account terms, balances, and due dates.

Final Note : The terms of my agreements have always been honored, and these accounts should be reported as Paid As Agreed, Never Late. Unless you can provide valid documentation showing otherwise, the current reporting is unlawful and must be corrected immediately. 

I expect a full response and correction within 30 days of receipt of this complaint, as required 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NM

Complaint narrative:
In XX/XX/year>, a medical debt in the amount of {$5000.00} was incorrectly reported to the credit bureaus by the company XXXX XXXX XXXX. This debt should never have been assigned to me. I participated in a professional sports eventThe XXXX XXXX XXXX XXXX and fully insured by the XXXX. The hospital visit that occurred after the event was covered by XXXX insurance, and I was not financially responsible for any medical expenses. 

Despite this, the debt was sent to collections, and it has negatively impacted my credit report. I contacted the hospital and the XXXX to confirm that I had no responsibility for the bill, and both confirmed the coverage. However, the collection account remains on my report. 

I respectfully request that the CFPB help me resolve this issue by urging the company to remove this incorrect debt from my credit report and cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Date : XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Compliance Dispute & Request for Immediate Deletion Account : XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This is a formal notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards, that I am disputing the above-referenced account as it is being reported inaccurately and in violation of federal law. 
Following my review and audit of your reporting under the XXXX XXXX Format, I have identified multiple violations and inaccuracies, including but not limited to : 1. Reporting a charged-off account with a past due balance, which is a direct violation of XXXX XXXX reporting guidelines.

2. Inconsistent status updates, indicating both closed and past due simultaneously.

3. Inaccurate balance reporting in contradiction to the actual account status.

4. Failure to mark the account as disputed by consumer in all required fields in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

5. Failure to comply with the standard for data accuracy, integrity, and completeness required under the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX format. 
Page 1 XXXX XXXX Compliance Dispute Letter As you are aware, the XXXX XXXX Format is the industry standard for credit reporting, and inaccurate or incomplete reporting constitutes a violation of the FCRA, specifically 1681e ( b ) and 1681i.

Furthermore, your own comments indicate a completed investigation while I, the consumer, still dispute this account. This failure to correct inaccuracies after notice constitutes willful noncompliance under 1681n. 
I am demanding the immediate deletion of this account from my credit report to ensure compliance with federal law and XXXX XXXX standards. If this matter is not resolved and the account is not deleted within fifteen ( 15 ) days from receipt of this letter, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation.

Please provide me with : - Written confirmation of the deletion of this account from my credit file.

- An updated copy of my credit report reflecting the removal.

You are hereby on notice. Failure to comply will be documented and pursued to the fullest extent of 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 2025-08-02 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: MN

Complaint narrative:
COLLECTTECH is falsely reporting on my credit. I have never had any accounts with them under any circumstances whatsoever. Per my research COLLECTTECH is a debt collector. They are falsely reporting on my credit! Account number is XXXX and it is reporting falsely on my credit file and is against my rights and the Fair Credit Act ( FCRA ). Under US code 1618d- Disclosure of investigation consumer report. You are in violation.

Company response to consumer: Closed with explanation