vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: SC

Complaint narrative:
I am disputing several inaccurately reported late payments appearing on my credit report. The following accounts are being reported with late or severely delinquent statuses that I believe are incorrect or unverifiable : XXXX ( Account ending in XXXX, Balance {$27000.00}, reported 120 days late ), XXXX ( Accounts ending in XXXX, Balances {$6500.00} and {$3800.00}, reported 120 days late ), XXXX  ( Account ending in XXXX, Balance {$0.00}, reported 30 days late in XX/XX/year> ), and XXXX ( Account ending in XXXX, Balance {$0.00} ). 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. If these accounts were already settled, current, or otherwise not delinquent, then continuing to report them as late or 120 days past due constitutes a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing several inaccurately reported late payments appearing on my credit report. The following accounts are being reported with late or severely delinquent statuses that I believe are incorrect or unverifiable : XXXX ( Account ending in XXXX, Balance {$27000.00}, reported 120 days late ), XXXX ( Accounts ending in XXXX, Balances {$6500.00} and {$3800.00}, reported 120 days late ), XXXX  ( Account ending in XXXX, Balance {$0.00}, reported 30 days late in XX/XX/year> ), and XXXX ( Account ending in XXXX, Balance {$0.00} ). 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. If these accounts were already settled, current, or otherwise not delinquent, then continuing to report them as late or 120 days past due constitutes a violation of 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 2025-10-18 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX # XXXX XXXX  BANK XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
My credit report shows an Aspire Credit Card account ( XXXX XXXXXXXX XXXX XXXX XXXX Aspire ) ending in XXXX. The account is marked as closed, yet a late payment was reported after the account closure date. 

This is false, misleading, and unlawful under federal credit reporting law. Once an account is closed, no new payments can become late because there are no active payment obligations. I was never notified of any valid amount due after the account was closed, nor was I provided any billing statement to justify the reported delinquency. 

Aspires reporting of a late payment on a closed account constitutes the reporting of false credit information, and it has negatively affected my credit score and overall creditworthiness.

Laws Violated Aspire ( XXXX XXXX XXXX XXXX  ) violated multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting false or inaccurate information after the accounts closure : 1. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 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.

2. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

3. FDCPA 807 ( 2 ) ( A ) 15 U.S.C. 1692e ( 2 ) ( A ) Prohibits the false representation of the character, amount, or legal status of any debt.

4. FDCPA 807 ( 8 ) 15 U.S.C. 1692e ( 8 ) Prohibits communicating credit information which is known or should be known to be false, including the failure to communicate that a debt is disputed.

5. FDCPA 808 15 U.S.C. 1692f Prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt.

Legal Basis Once the Aspire account was closed, no future payments could be considered late. Reporting a late payment post-closure misrepresents the character and legal status of the account under 15 U.S.C. 1692e ( 2 ) ( A ) and violates 15 U.S.C. 1681s-2 ( a ) by furnishing inaccurate information to the credit bureaus. 

Aspires continued furnishing of this inaccurate data demonstrates non-compliance with the FCRAs accuracy requirements and the FDCPAs prohibition on false or misleading communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
according to previous case # XXXX The company has not provided any documentation verifying the accuracy or legal validity of the alleged debt, nor have they demonstrated compliance with HIPAA or the FDCPA. Simply stating that they will forward an itemized bill does not constitute resolution. Until I receive complete validation and assurance that my protected health information was handled lawfully, this matter remains unresolved. I also note their response misidentified me as XXXX XXXX, indicating carelessness in handling personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax Information Services LLC has repeatedly failed to provide the required written results and verification details for my credit report disputes. 

I submitted several disputes through Equifaxs online system, including Confirmation XX/XX/XXXXXXXX ( filed XX/XX/year> ) andXX/XX/XXXX XXXX ( filed XX/XX/year> ). Both are marked Completed, yet I am unable to view or download the results online. I have also not received any written reinvestigation results by mail or email. 

In addition to these two, I currently have eight ( 8 ) other disputes that are also marked as completed but remain inaccessible in my Equifax account. Each time I call Equifax, representatives tell me the issue will be escalated, but weeks and even months go by with no updates or resolution.

Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 6 ) ( A ) - ( B ), I am entitled to the written results of any reinvestigation within five business days, including whether the information was verified, deleted, or modified, and the name, address, and phone number of any furnisher contacted.

Equifaxs repeated failure to provide these results, despite marking disputes as completed, represents ongoing noncompliance and negligence. It has also caused financial harm by preventing me from verifying information, challenging inaccuracies, or ensuring accurate credit reporting.

I have already mailed Equifax a Formal Method of Verification & Non-Disclosure Complaint citing these violations.

I am requesting that the CFPB : Require Equifax to send me the full written results and verification details for all ten ( 10 ) complete
d disputes.

Require Equifax to delete or permanently block any information that can not be verified, as required under FCRA 1681i ( a ) ( 5 ) ( A ). Investigate why Equifaxs dispute portal continues to block access to completed results.

Direct Equifax to provide monetary relief in an amount determined by the CFPB investigator for ongoing violations and harm.

If Equifax continues to fail to comply, I intend to file a federal lawsuit seeking statutory, actual, and punitive damages for willful noncompliance under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute multiple entries on my credit report that I believe are inaccurate, outdated, or unverifiable. I have previously submitted disputes regarding similar issues, but the results failed to resolve all inaccuracies. These continuing discrepancies negatively impact my creditworthiness and misrepresent my financial history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9500.00} BXXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting a second-round reinvestigation of the items listed below. I expect each account and inquiry to be thoroughly reviewed, verified, corrected, or removed if the information can not be substantiated in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute multiple entries on my credit report that I believe are inaccurate, outdated, or unverifiable. I have previously submitted disputes regarding similar issues, but the results failed to resolve all inaccuracies. These continuing discrepancies negatively impact my creditworthiness and misrepresent my financial history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9500.00} BXXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting a second-round reinvestigation of the items listed below. I expect each account and inquiry to be thoroughly reviewed, verified, corrected, or removed if the information can not be substantiated in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Global Lending Services LLC
State: IL

Complaint narrative:
According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of information on my credit report that is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA can not produce the original loan from XXXX. NCA received the XXXX XXXX account in XXXX. 

NCA is reporting it as a new account in XXXX. 

NCA reports this account as a new account every month restarting the collection clock. 

I have NOT contacted NCA. Speedy cash stated they have no account info at all. False reporting by NCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
A student loan is appearing on my credit report that I never used. Edfinacial is the company, and it appears as open. I have not taken out that loan because I applied in XXXX because I was going to study, but I did not complete my studies. I decided to drop out of Florida XXXX University and everything was closed. Now in XXXX, I see on my credit report this company says I have a debt with them. I don't know how to file a complaint or which institution to go to to have this edfinacial account closed. I'm not going to pay for something I've never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They're trying to charge me for a very old 15yr old account while I have and active capital one currently account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes-Benz Financial Services USA LLC has reported two different debt amounts for the same lease account. In its recent response to the CFPB, the company stated I owed {$15000.00}. However, for over two years on my credit reports, XXXX has continued to report a balance of {$15000.00}, marking it as verified each time I disputed it. 

I have repeatedly contacted XXXX and the credit bureaus requesting the method of verification and documentation showing how this information was confirmed. The company has failed to provide any proof or accurate correction. 

This ongoing contradiction has caused over 28 months of severe financial harm, credit denials, increased interest rates, and significant emotional distress, including mental anguish and stress from the repeated denials, false reporting, and unresolved disputes. 

I am requesting a full investigation into XXXX  reporting practices, the permanent deletion and blocking of this inaccurate account from all credit bureaus, and monetary relief of {$75000.00} for the financial, emotional, and reputational harm caused. 

Supporting evidenceincluding the official Tag Office document showing the vehicle title cancellation and XXXX  own letter confirming the higher balanceis attached under CFPB Supplemental Complaint XXXX  False Debt and 28-Month Financial Harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted immediately. I never authorized it. Verification documents are included.

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