vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
XXXX is attempting to collect and report a XXXX debt that I do not owe. XXXX filed bankruptcy ( Case No. XXXX, converted to XXXX  XXXX on XX/XX/XXXX ), making this debt legally unenforceable. On XX/XX/XXXX, I requested written validation under FDCPA 1692g ( b ), including proof of ownership and enforceability, but XXXX failed to provide any documentation. Despite this, they continue to report the account as a collection to XXXX XXXX XXXX XXXX most recently updated on XX/XX/XXXX. This violates both the FDCPA and FCRA. I request deletion of the account from all credit bureaus, cessation of collection activity, and written confirmation of removal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverifiable late-payment accounts that have been reported on my credit file. Upon reviewing my credit report, I discovered multiple entries that do not accurately reflect my payment history or account activity. These errors have negatively impacted my credit standing and appear to stem from reporting inaccuracies or miscommunication between the furnishers and the credit bureaus. 

XXXX XXXX XXXX XXXX Balance {$6400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$2100.00} Date opened XX/XX/XXXX XXXX  XXXX Balance {$5000.00} Date opened 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 2025-11-12 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry reported on my credit report due to the recent government shutdown, which significantly impacted my financial situation. My name is XXXX XXXX, and the accounts are XXXX XXXX XXXX loan, XXXX XXXX XXXX and XXXX XXXX credit card. Above all, the consumer law 15 u.s.c 1666a states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Based on the law quoted and or provided, I the consumer was never given that luxury of receiving a mail or even delivery of such documents laying out my rights as a consumer.

During the government shutdown that occurred I experienced disruptions in my income that led to an inability to meet my financial obligations on time. Despite my efforts to communicate with my creditors and arrange alternative payment plans, I was unable to avoid the late payment that has since been reported on my credit history.

I kindly request that these late payments be reviewed and removed from my credit report, as it does not accurately reflect my payment behavior under normal circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry reported on my credit report due to the recent government shutdown, which significantly impacted my financial situation. My name is XXXX XXXX, and the accounts are XXXX XXXX XXXX loan, XXXX XXXX XXXX and XXXX XXXX credit card. Above all, the consumer law 15 u.s.c 1666a states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Based on the law quoted and or provided, I the consumer was never given that luxury of receiving a mail or even delivery of such documents laying out my rights as a consumer.

During the government shutdown that occurred I experienced disruptions in my income that led to an inability to meet my financial obligations on time. Despite my efforts to communicate with my creditors and arrange alternative payment plans, I was unable to avoid the late payment that has since been reported on my credit history.

I kindly request that these late payments be reviewed and removed from my credit report, as it does not accurately reflect my payment behavior under normal circumstances.

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 2025-11-12 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: FL

Complaint narrative:
I am submitting this XXXX follow-up complaint regarding multiple accounts that continue to appear on my credit report despite my previous disputes. These accounts remain unverified, inaccurate, and unlawfully reported, causing significant damage to my credit reputation. I am requesting their immediate and permanent removal, not correction. 
The first account in question is XXXX XXXX XXXX XXXX XXXX reported with a balance of {$13000.00} and listed as Charged Off * *. This account violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that all information reported be complete and accurate. Furthermore, no 1099-C form has been provided for a debt exceeding {$600.00}, which is required when a creditor claims a charge-off or cancellation of debt. The failure to provide such documentation renders this account unverifiable and improperly reported under federal law. 
The second account is a collection reported by XXXX XXXX XXXXXXXX XXXX, with a listed balance of {$10000.00}. This account is being reported in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to block and remove information resulting from fraudulent or unverifiable activity. It also violates FCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations by debt collectors, and FDCPA 809 ( 15 U.S.C. 1692g ), which requires full validation of a debt before any collection or reporting activity. I have not received proper validation or proof that this debt is legitimate, or that XXXX XXXX has the legal authority to report or collect it. 
Despite my previous disputes and the submission of supporting documentation, both accounts remain inaccurately reported. This continued reporting constitutes a clear violation of my rights under federal law and further damages my creditworthiness. I am therefore demanding immediate reinvestigation and permanent removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM

Complaint narrative:
Payment History show that I have missed or had late payments and account has been charged off. Please remove any late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing late payment information reported by XXXX XXXX XXXX XXXX to Equifax. 

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless the periodic statement was delivered at least XXXX  days before the due date. The furnisher has not provided any documentary proof that such statements were sent on time or that I was properly notified of the alleged delinquency.

Additionally, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a financial institution must notify a consumer within XXXX  days of reporting negative information. I never received such notification. 

This account is being disputed for lack of verification and failure to comply with statutory notice requirements. I have already sent a written verification request directly to the furnisher. 

I request that the CFPB require XXXX XXXX XXXX XXXX and Equifax to provide verified proof of the alleged late payments or to remove the item entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
I am filing a complaint against Experian Information Solutions , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Experian has reinserted previously deleted accounts without my permission or the legally required written notice, including : XXXX XXXX XXXX XXXX previously deleted, reinserted in XX/XX/XXXX without notice. 

XXXX XXXX XXXX XXXX inaccurately reported, not listed by other credit bureaus. 

Both accounts are being re-aged every month and show high balances despite being charged off, which is inaccurate and unlawful. Experian has failed to conduct a proper reinvestigation, ignored proof I provided, and continues to report unverifiable information despite notice of my data being exposed in a breach. 

These actions are direct violations of FCRA 1681i, 1681e ( b ), and 1681s-2, as well as the Privacy Act of XXXX. I am seeking {$1000.00} per violation under FCRA 1681n and 1681o for Experians willful and negligent noncompliance, and I am requesting immediate deletion of all inaccurate and reinserted items from my credit report.

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 2025-11-12 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: MA

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 2025-11-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
They contacted me illegally and was very hostile and aggressive towards me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CO

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Starmark Financial LLC
State: CA

Complaint narrative:
I am disputing the validity of the alleged debt you claim I owe ( Account # XXXX, {$630.00} ).

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement showing how the amount claimed was calculated.

3. Copies of any signed agreements or contracts that prove I am responsible for this debt.

4. Proof that your company has the legal right to collect on this debt.

Until you provide this validation, you must cease all collection efforts and communication regarding this account.

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 2025-11-12 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: AL

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 XXXX 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Creditor : Discover Account Number : XXXX Disputed Entries : Late payments reported for XXXX and XX/XX/year> Reported Status : 60 days late Basis for Dispute : The information reported is materially inaccurate and unverifiable for the following reasons : 1. Inconsistent Reporting Across Bureaus : XXXX  and XXXX  both report these entries as 30 days late. This discrepancy indicates a failure in consistent and accurate data furnishing.

2. Verification Conflict : The original creditor can not simultaneously verify both a 30-day and 60-day delinquency for the same billing cycles. This contradiction renders the data unverifiable.

3. Historical Accuracy : My payment history supports a maximum delinquency of 30 days. The 60-day designation is unsupported and misrepresents my credit behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please go through this entry ; its been submitted late and may have issues.

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 2025-11-12 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: SC

Complaint narrative:
I hope this letter finds you well. I am submitting to dispute an inaccuracy on my credit report that I believe has resulted from a clerical or reporting error. Upon reviewing my credit file, I noticed that XXXX of the accounts under my name is showing as " Late XXXX  Days '' with a balance of {$200000.00}, listed under XXXX XXXX XXXX XXXXXXXX. I am requesting that this account be investigated, as I believe the late payment status is incorrect. 
Under FCRA 611 ( 15 U.S.C 618i ), I am entitled to dispute inaccurate information on my credit report. I request that you thoroughly investigate this account and provide me with evidence that the late payment status is accurate. If no such evidence exists, I ask that this late status be corrected from my credit file. 
Additionally, under FCRA 623 ( a ) ( 2 ), the furnishers of this information are required to correct and update any inaccurate or incomplete information. It is their duty to report accurate data to the credit bureaus. If the information regarding this late payment is inaccurate, I ask that it be corrected.

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