vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the XXXX  year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN XXXX  DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus XXXX, Equifax, XXXX  XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX XXXX XXXX  report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$560.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$890.00} XXXX  XXXX Of XXXX XXXX Date Opened XXXX, XXXX XXXX Balance {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: NC

Complaint narrative:
I am disputing negative credit reporting by EdFinancial Services in connection with my federally serviced student loan account ( Account No. XXXX ). 

I XXXX  in XX/XX/XXXX and submitted a deferment request based on XXXX. On XX/XX/XXXX, I received a letter from EdFinancial confirming that my deferment request had been approved and applied to my account, effective from XX/XX/XXXX through XX/XX/XXXX. 

Despite this written approval, my credit report now contains delinquent payment entries for months that fall within the approved deferment period. These negative marks are inaccurate, harmful to my credit, and in direct contradiction to EdFinancials own written confirmation.

Following the credit damage, EdFinancial sent conflicting letters dated XX/XX/XXXX and XX/XX/XXXX, stating that my deferment could not be processed due to alleged issues with my signature or documentation. These notices arrived after my deferment had been approved and after negative credit information had already been reported. 

I have resubmitted documentation multiple times and have been XXXX  since graduation. I submitted timely deferment requests, and EdFinancial had already approved my deferment in writing before the delinquent marks appeared.

I request that the CFPB require EdFinancial to : Remove the delinquent reporting for any period covered by the deferment. 
Correct all inaccurate information provided to the credit bureaus. 
Confirm resolution in writing and update my account status appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am writing to formally report that there is information on my consumer report resulting from identity theft. I did not provide written permission or instructions for these transactions to be included in my report. Therefore, I am requesting that this information be blocked and deleted. My request is not made in error, nor is it based on any material misrepresentation of facts. The identified transactions are unrelated to any activity conducted by me as the consumer.

For the record, I am not a corporation ; I am a consumer reporting identity theft. Please be advised that this is my 2nd attempt at reporting that I am a victim of identity fraud. You continue to send frivolous letters saying Im a credit repair business or something.

You have violated my federally protected consumer rights. Here is a list of violations : Under 15 USC 1681e ( B ), you did not report my consumer report with accuracy. 
You also violated 15 USC 1681 ( A ) ( 4 ) by failing to report my consumer report with fairness, impartiality, and respect. In fact, you acted with bias regarding the instructions I provided, choosing to ignore them and instead bullying me into accepting what you deemed verified.

During your investigation period, you must remove these items within four days, according to 15 USC 1681c-2 ( A ).

You provided inaccurate key factor information, violating 15 USC 1681c ( D ) ( 2 ). 

The unverified items listed below may not remain on my credit report in violation of federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In your first investigation, you stated in writing that you verified these items as being reported correctly. Who verified these accounts? Given this, I have full faith that you violated 15 USC 1681c-2 ( B ) by not notifying the furnisher of the information because you did not provide me with documents proving that, as required under FCRA and federal consumer laws. Therefore, I need you to promptly delete all information within four days of receiving this second attempt. 
The law is clear regarding civil liability and the remedy available to me for negligent noncompliance under FCRA Section 617 and 15 USC 1681o. Since you have failed to comply, I fully intend to enforce my consumer rights under the FCRA and federal consumer laws.

I have a list of demands that need to be met promptly : I demand the following accounts be deleted immediately within four days.

Please remove all non-account-holding inquiries over 30 days old. 
Please add a Promotional Suppression to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 2025-07-30 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: NJ

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I'm reaching out because Equifax is helping XXXX  XXXX put incorrect information on my credit report related to the account below : Ads/comenity/victoria Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, XXXX  XXXX, as a provider of information to a credit rep agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
* * 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : * * " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person .. for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data.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 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I agreed to a settlement offer to the office of XXXX XXXX XXXX. I paid the offer in full. However their system in collecting the money didnt like the account I sent money from so it was returned. So after moving money to a different account, they were able to withdraw via check the settlement amount. That is when they applied the money incorrectly and sent only half to resurgent, who owns the debt. Then XXXX XXXX XXXX told Resurgent that I had insufficient funds and wasnt able to pay in full. Resurgent was to believe that I only kid half of what I agreed to. During this time, while I was thinking everything was taking care of, especially after the debt was removed from my credit report, I was sent a refund a month after the payment. I assume this was in good faith and used the money to pay other debts. Then XXXX XXXX XXXX called and threatened to send me to collections even though they admitted to their mistake. They need to be held liable and pay Resurgent the remaining amount from their own account. The following laws are some, but not limited to, of what they broke : XXXX Fair Debt Collection Practices Act Business & Professions Code XXXX Civil Code XXXX Civil Code XXXX Business & Professions Code XXXX They are deceitful, defaming me, and are fraudulent to me and Resrugent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX for illegal and inaccurate credit reporting. My account ( Acct # XXXX ) was repossessed and charged off in XX/XX/year>. However, XXXX XXXX has been updating this account every month for over five years after the repossession and charge-off date, even though the account was closed. This is deliberate re-aging and a violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have disputed this account with Experian and XXXX  and sent a debt validation letter to 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 2025-07-30 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: VA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
I recently discovered that both TransUnion and Experian have the incorrect year listed for my date of birth in their credit files. This error does not match the information on my government-issued ID or other official records. 

I noticed this issue on XX/XX/XXXX, when reviewing my credit report for accuracy. I have not authorized any changes to my personal information, and I do not know how or when this incorrect information was added. 

I attempted to submit a dispute through the online portals of both TransUnion and Experian to correct this error. However, their systems would not allow me to complete the dispute regarding the date of birth. 

This error could potentially affect my identity verification and credit-related activities. I am requesting that both credit bureaus promptly investigate and update the year of birth on my file to ensure accuracy.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OK

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