vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Experian on behalf of XXXX XXXX due to Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and its mandatory reinvestigation requirements. Experian did not complete a lawful dispute reinvestigation within the 30-day statutory deadline, making them past due under FCRA 1681i ( a ). Despite the dispute being properly submitted, Experian failed to provide any verifiable results and continued reporting the same inaccurate and inconsistent information, which is prohibited by federal law.

Upon review of the Experian report, multiple inconsistencies were identified involving dates, account statuses, payment history coding, and unverifiable reporting. Experians failure to properly address these issues within the required timeframe constitutes a violation of the consumers rights under federal law and demonstrates a disregard for the obligation to maintain maximum possible accuracy as required under FCRA 1681e ( b ). 

The following account is disputed and contains inaccurate or unverifiable information : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  This account contains conflicting dates of last activity versus last reported status, inconsistent collection coding, and a remark stating dispute resolved, even though Experian failed to complete the reinvestigation within the required 30-day period. Experians failure to meet the legal deadline means they can not continue reporting the same information without proper verification. This continued reporting has negatively affected the consumers creditworthiness, financial opportunities, and ability to secure favorable lending or housing.

Experians delays and failure to take proper action within the legally mandated investigation window represent a breach of both the procedural and substantive requirements of the FCRA. Experian can not ignore a dispute, miss the 30-day deadline, and then continue publishing the same harmful data without lawful verification.

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I am disputing a debt that was placed with National Credit Systems ( NCS ) by XXXX XXXX XXXX XXXX. I moved out of my apartment on XX/XX/year> after giving proper written XXXX notice on XX/XX/year>. After I vacated, my access to the resident payment portal was immediately suspended, and I never received any statement, XXXX, phone call, email, or mailed notice indicating that I owed a balance. 

The first and only notice I ever received was a collections letter from National Credit Systems XXXX later. 

I immediately contacted both XXXX XXXX and NCS to dispute the debt. The apartment emailed me over a copy of what they claim to have mailed me, but has since not responded to multiple emails or certified letter. I sent NCS a complete dispute package both through their online portal and by certified mail with delivery confirmation. Despite this, NCS has not provided proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ).

NCSs validation consisted only of documents I already had, none of which show that XXXX XXXX provided proper notice or mailed an itemized balance within XXXX  days after move-out, as required under Nebraska Revised Statute 76-1416 ( 2 ). They also asked me to upload the same documents again, which I had already provided twice. 

The original creditor refuses to engage, and the collection agency continues to claim the debt is valid without providing proof that I was ever billed or notified prior to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
o Whom It May Concern, I am filing this complaint because my credit reports contain personal information and several accounts that are inaccurate, outdated, or not being reported correctly. I have tried to fix these issues directly with the credit bureaus and the companies reporting the accounts, but the problems have not been resolved. I am asking for your help in getting these matters corrected.

First, my personal information on my credit file is not fully accurate. My correct and current information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX Primary Phone : XXXX Old or incorrect names, addresses, phone numbers, and job information are still showing up on my reports and should be removed. This outdated information is causing issues with my file and XXXX be causing the wrong accounts to be attached to my report. 

In addition to the personal information problems, I am also disputing several accounts that I believe are being reported incorrectly or without proper verification. The accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is a secured card backed by my money, yet they are reporting negative on my credit file ) XXXX XXXX XXXX XXXX ( This account went to court and was dismissed, but it is still being reported. ) XXXX XXXX XXXX ( This account is closed, but the balance keeps increasing, also this account was sold to a XXXX party yet still reporting. ) XXXX XXXX XXXX XXXX XXXX XXXX ( this account was sold to a 3rd party yet still reporting ) Some of these accounts show balances that do not look correct. Some appear to have been sold or transferred, but the updates on my report were never made. Others continue to report even though the accounts should not be active anymore. I have tried multiple times to get the credit bureaus and the companies to verify this information, but I keep getting the same automated responses without real explanations. 

I am requesting this company to : Make sure my personal information is corrected and the wrong information is removed. 

Make sure the companies reporting these accounts properly verify them. 

Remove any accounts or details that can not be proven or are being reported incorrectly. 

Provide me with clear information on how these accounts were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-11-19 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Well Fargo Bank, block information appearing on my XXXX XXXX  consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a depository accounts opened at Wells Fargo Bank XX/XX/year> and XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX consumer report. I do not recognize the aforementioned depository accounts. The aforementioned depository accounts, collections, and hard inquiries appearing on my XXXX XXXX  consumer report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned depository accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint, my original social security card, and my XXXX  XXXX utility bills to verify my correct residential address at the time of these unauthorized depository accounts being opened as proof from the US Federal Trade Commission that the aforementioned XXXX XXXX consumer account, collection, 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 2025-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Spring Equity LLC
State: AL

Complaint narrative:
My mom passed away in XXXX after she passed away there a law suit against the XXXX from my grandmother, this held the process of me being awarded the property for almost 9 months until the XXXX XXXX awarded it to me. At time of assumption, the mortgage was past due. After a 2 year battle with court, I finalized the property transfer to myself XX/XX/XXXX with the deed. Fast Forward, XX/XX/XXXX I had to final financial hardship with the mortgage company to get the house payments caught up from the law suit. I started speaking with XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX as I was referred to SpringEq from my mortgage company Roundpoint who told me they would help me with my HELOC. Spoke with XXXX several times advising her of my fears, trauma, struggles and current financial hardship and that I was scared of the process and didn't want to mess up my mortgage or credit. She got my information, ran my credit we discussed the process. I got a separate email from XXXX XXXX, Loan officer, who told me I needed to pay {$2000.00} down on my credit card to get my credit score up a little. I used all my money to pay this down in hope of getting financial freedom to be told I have to wait until XXXX of XXXX. For 6 months of this process no one told me XX/XX/XXXX or I would have not moved forward I would have kept my money and continue paying my bills. Now I am in such a worse hardship they have caused me to be late on my mortgage twice now when I just came out of hardship program to get on track with it. They have ended my chance of getting a HELOC with any lender cause I now have XXXX late payments on my mortgage history. I have suffered emotionally, mentally and physically to XXXX XXXX I have no money to buy groceries. I attempted to reach out to them, they have now ghosted me and will not respond or communication. XXXX reviews note that this is a regular occurring thing with Spring Eq. 

I have document trail to big to upload please reach out for documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
b'I am disputing the reporting of the Nissan/Infiniti account beginning XXXX XXXX XXXX. This account has been unlawfully re-aged by extending the scheduled fall-off date several times, in violation of FCRA 605(a). "You cannot reset the clock." The account also reports as positive while falsely indicating a balance owed in the "Remarks Section", which is misleading and inaccurate under FCRA 607(b) and shows as an adverse tradeline. It has also been XXXX  years now since this account has been showing negative from the first delinquency date and is passed scheduled removal date. I am requesting immediate investigation and permanent deletion of this account from my credit file. If this cannot be corrected, please remove the account entirely. If this issue is not resolved, I will escalate by filing formal complaints with the CFPB, FTC, Consumer attorney and my State Attorney General.XXXXAccount InformationXXXXXXXXAddress as listed on the account:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of the buyer or co-buyers social security number:  XXXX  Full account number:  XXXX XXXX XXXX Last 8 digits of the Vehicle Identification Number:  XXXXXXXX Vehicle model and year:  XXXX XXXX XXXX  Payment amount:  XXXX  Payment date:  XXXX  of each month'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Bureaus Corrected Late Payment Month but Still Violated the FCRA by Failing to Delete Inaccurate Reporting I am filing this complaint because Ally Financial furnished inaccurate information and the credit bureaus failed to comply with the Fair Credit Reporting Act ( FCRA ) during reinvestigation. 

1. Initial Late Payment Reporting Was Inaccurate A late payment was inaccurately reported as XX/XX/year>. Under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), information must be accurate when first furnished. Because XX/XX/year> was inaccurate, the entry became unreliable. 

2. All Three Bureaus Improperly Corrected the Reporting to XX/XX/year> After my dispute on XX/XX/year>, all three bureaus changed the reporting from XX/XX/year> to XX/XX/year>. While May is the correct late-payment month, this still violates the FCRA because : - FCRA 1681i ( a ) ( 5 ) ( A ) requires deletionnot modificationof inaccurate information.

- Bureaus must delete inaccurate items, then follow reinsertion procedures under 1681i ( a ) ( 5 ) ( B ) if the furnisher wishes to report corrected data.

- No deletion, certification, or notice of reinsertion occurred.

3. Exhibits Exhibit A ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing XX/XX/year> late payment Exhibit B ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing bureaus changed reporting to XX/XX/year> XXXX. FCRA Violations The bureaus and Ally violated : - 1681e ( b ) failure to maintain maximum possible accuracy - 1681i ( a ) ( 5 ) ( A ) failure to delete inaccurate data - 1681i ( a ) ( 5 ) ( B ) improper reinsertion without certification or notice - 1681s-2 ( a ) ( 1 ) ( A ) inaccurate furnishing

Company response to consumer: Closed with non-monetary relief