vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
serves as a formal legal demand regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). Despite my full compliance with the law by submitting the required documentation under 605B, your agency continues to report fraudulent account information on my credit report. 

Fraudulent Information to Be Permanently Blocked : 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 : Open/Past Due Documentation Previously Submitted to Your Bureau : FTC Identity Theft Report filed via IdentityTheft.gov Government-issued ID ( Drivers License ) Proof of current address ( Utility Bill / Matching ID ) Written request to block and delete the information under FCRA 605B This submission meets all legal requirements under FCRA 605B ( a ). Yet to date, you have failed to fulfill your duty to block the disputed items within four ( 4 ) business days of receipt.

FCRA 605B Legal Obligations Ignored : 1. Failure to Block Within 4 Business Days Per 605B ( a ), you are required to block fraudulent information within 4 business days. Your response referencing a 30-day reinvestigation period under FCRA 611 is inapplicable to identity theft block requests and constitutes willful misapplication of federal law.

2. Failure to Provide a Legally Valid Denial If you decline to block the information, FCRA 605B ( c ) mandates a specific, written explanation. Generic or automated rejection letters do not satisfy this requirement.

Metro 2 Compliance Required : You are also obligated to ensure Metro 2 reporting compliance using the following codes : XB Account flagged as identity theft dispute DA Account permanently deleted due to fraud Z Fraudulent address deleted from consumer file Failure to apply these codes is a violation of FCRA 607 ( b ) and 623 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I received a letter from Midland Credit Management that I owe them {$2600.00}, and I need to pay up or I will be sued. 

I asked for the Original Purchase Agreement, including all the terms and conditions that are included in the purchase agreement. to show they are the legal owner of the alleged Debt, and to which they did not provide to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Key Issues & Violations- Contradictory Status Reporting : Edfinancial consistently reported my account as " current '' for over a year, yet simultaneously sent pastdue emailswith no mailed or phone notices. This illogical contradiction only ended in XXXX, when a sudden 90-day delinquency was reported. Such contradictory data fails FCRAs maximum possible accuracy requirement. The CFPB has outlined that logically inconsistent account statuseslike an account being reported as current while showing past-due communicationsmust be flagged and corrected. This violates FCRA 607 ( b ).

Failure to Provide Proper Notification : I received no formal delinquency noticesmailed or telephonedand never consented to email-only alerts. Under FCRA, furnishers must notify consumers clearly and timely when negative information is furnished.

Negligence in Investigation & Enforcement of Rights : Although XXXX corrected the error, XXXX XXXX XXXX  continue to carry false delinquent marks. FCRA mandates furnishers must conduct a reasonable investigation and update or delete inaccurate information across all CRAs.

Legal Exposure Under FCRA : Under 15 U.S.C. 1681p, consumers may recover actual and statutory damages, plus attorneys fees. If conduct is willful, punitive damages may also apply. Edfinancial faces serious legal and financial liability if not promptly correcting these violations. 


Photo Documentation ( Explanation ) : Attached are screenshots from my XXXX XXXX XXXX XXXX reports, each showing my account history. Many entries are marked as paid and current, while one report shows a 90-day delinquency alongside the prior months marked as paid. This inconsistency is clear and highly contradictory. 

Importantly, no delinquency reporting or direct notificationsby letter or phone callwere ever sent to me during all of XXXX. Then, in XXXX, without any prior mailed or verbal notice, Edfinancial abruptly flagged my account as 90 days delinquent. This sudden, unexplained change is both deceptive and damaging. 

This contradictory reporting has severely harmed my credit and forced me to spend months trying to resolve the matter. It is evident that Edfinancials reporting process is flawed, and this must be corrected immediately. 

In addition, I have XXXX XXXX reports ( XXXX XXXX XXXX  data ) confirming the paid status. These independent records further highlight the inaccuracy and inconsistency in Edfinancials reporting. XXXX XXXX is a reputable, free credit monitoring service that reflects real-time updates from the credit bureaus and does not impact credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
To Whom It May Concern : XXXX XXXX Account XXXX I disputed the accuracy of a charge-off account being reported on my credit file from XXXX XXXX XXXX I provided sufficient identifying information and clearly outlined the nature of my dispute. I ask the company to verify the debt was actually mine. 
The company states that the account was verified as accurate. However, they have failed to provide documented evidence that supports ownership and the reported balance. I recicieved a letter from XXXX stating that when the account was closed in XX/XX/year> the balance was {$0.00} and the account was paid in full but on my transition and XXXX credit reports, there is a balance of {$290.00} This constitutes a violation of the Fair Credit Reporting Act : Violations of the FCRA 1. 15 U.S.C. 1681i ( a ) You must conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information. Simply parroting the furnishers prior response does not meet the standard of a reasonable reinvestigation as required by law. 
2. 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy. Continuing to report an inaccurate balance is a direct violation.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any disputed information that can not be verified must be deleted from my credit file.

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 2025-08-10 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: NY

Complaint narrative:
To Whom It May Concern : XXXX XXXX Account XXXX I disputed the accuracy of a charge-off account being reported on my credit file from XXXX XXXX XXXX I provided sufficient identifying information and clearly outlined the nature of my dispute. I ask the company to verify the debt was actually mine. 
The company states that the account was verified as accurate. However, they have failed to provide documented evidence that supports ownership and the reported balance. I recicieved a letter from XXXX stating that when the account was closed in XX/XX/year> the balance was {$0.00} and the account was paid in full but on my XXXXXXXX and equifax credit reports, there is a balance of {$290.00} This constitutes a violation of the Fair Credit Reporting Act : Violations of the FCRA 1. 15 U.S.C. 1681i ( a ) You must conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information. Simply parroting the furnishers prior response does not meet the standard of a reasonable reinvestigation as required by law.

2. 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy. Continuing to report an inaccurate balance is a direct violation.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any disputed information that can not be verified must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: ID Analytics, Inc.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CL Holdings LLC
State: WA

Complaint narrative:
This company is reporting an account that I did not authorize and have never conducted business with. My SSN was exposed in a data breach, and I believe this account is the result of unauthorized use of my personal information. Under FCRA 605B, I have the right to have fraudulent accounts blocked from my credit report. I have already provided documentation, including my FTC Identity Theft Report and proof of identity, yet the account remains. I am requesting immediate removal to restore accuracy to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Kriya Capital, LLC
State: WA

Complaint narrative:
This company is reporting an account that I did not authorize and have never conducted business with. My SSN was exposed in a data breach, and I believe this account is the result of unauthorized use of my personal information. Under FCRA 605B, I have the right to have fraudulent accounts blocked from my credit report. I have already provided documentation, including my FTC Identity Theft Report and proof of identity, yet the account remains. I am requesting immediate removal to restore accuracy to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally request an urgent review and correction of my credit file. I recently applied for a credit card with XXXX XXXX but was informed that my application could not be processed due to an alert from TransUnion indicating either a deceased status or an inability to verify my identity. 

Upon further investigation, I discovered that my credit file contains incorrect and outdated information, specifically regarding my Social Security Number ( SSN ). Please note that my SSN was officially issued on XX/XX/year>, and it should now be correctly reflected in your records. The SSN currently associated with my credit file in Transunion is incorrect. My correct SSN ends in XXXX. 

To facilitate the correction, I contacted TransUnion customer service and was advised to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), as my spouse had successfully done in a similar situation previously. 

I am now sending a copy of my Social Security card, a recent utility bill, and a valid form of identification to support this request. The current status is preventing me from accessing essential financial services and may negatively affect my creditworthiness in the long term.

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 2025-08-10 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:
XXXX XXXX XXXX : Account # XXXX Formal Debt Validation & Investigation Request To Whom It May Concern, I am disputing the accuracy of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FDCPA 809 ( 15 USC 1692g ) and FCRA 623 ( a ), you are required to provide : Proof of Legal Right to Collect Full chain of assignment from Achieve Personal Loans to XXXX XXXX, including contracts granting you authority to collect and report this debt. 


Itemized Balance Breakdown An accounting showing how the original balance of {$9600.00} became {$9800.00} written off, including all interest, fees, and other charges. 


Validation of FDCPA Compliance Proof that you sent the required written notice of debt validation within five days of initial contact, as mandated by law.

Date of First Delinquency Verification that the DOFD reported to credit bureaus matches that of the original creditor and has not been altered ( re-aging ). 
Additionally, I am requesting : A complete copy of your investigation into this dispute. 


Copies of all documents, records, and communications you have in your possession, or relied upon, regarding this account. 
Until these items are provided, you must immediately cease all collection activity and suspend all credit reporting on this account. Reporting or attempting to collect without full validation and accurate reporting is a violation of federal law and subject to civil liability.If you can not fully validate this debt as required, you must delete all related tradelines from any consumer reporting agency to which you have reported.This is not a refusal to pay ; it is a demand for proof. You have 30 days from receipt of this letter to comply. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NM

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts are appearing on my credit reports with Experian, TransUnion, and Equifax. I have never applied for, authorized, or had any connection to these accounts. They are causing significant harm to my credit profile and financial standing. 
I have filed an Identity Theft Report with the FTC and have sent certified dispute letters to each credit bureau demanding deletion under FCRA 1681c-2. These accounts continue to report inaccurately despite notice of fraud.

The fraudulent accounts are : XXXX. XXXX XXXX XXXX XXXX {$2500.00} Opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$110.00} Opened XX/XX/XXXX Status : Charged Off XXXX. XXXX XXXX XXXX XXXX {$530.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$550.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$8300.00} Opened XX/XX/XXXX Violations : FCRA 1681c-2 Failure to block identity theft-related information upon request. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

FCRA 1681s-2 ( b ) Failure to reasonably investigate and delete inaccurate information after notice from a consumer reporting agency.

I have attached : FTC Identity Theft Report Government-issued ID Proof of current address Copies of dispute letters sent to each credit bureau

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 2025-08-11 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: NM

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts are appearing on my credit reports with Experian, TransUnion, and Equifax. I have never applied for, authorized, or had any connection to these accounts. They are causing significant harm to my credit profile and financial standing. 
I have filed an Identity Theft Report with the FTC and have sent certified dispute letters to each credit bureau demanding deletion under FCRA 1681c-2. These accounts continue to report inaccurately despite notice of fraud.

The fraudulent accounts are : XXXX. XXXX XXXX XXXX XXXX {$2500.00} Opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$110.00} Opened XX/XX/XXXX Status : Charged Off XXXX. XXXX XXXX XXXX XXXX {$530.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$550.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$8300.00} Opened XX/XX/XXXX Violations : FCRA 1681c-2 Failure to block identity theft-related information upon request. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

FCRA 1681s-2 ( b ) Failure to reasonably investigate and delete inaccurate information after notice from a consumer reporting agency.

I have attached : FTC Identity Theft Report Government-issued ID Proof of current address Copies of dispute letters sent to each credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
II-A. LONGSTANDING NONCOMPLIANCE & FAILURE TO REMEDY DISPUTES The credit bureaus have willfully and repeatedly failed to conduct a lawful, thorough, and reasonable investigation into my disputes, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates timely and proper reinvestigation of disputed information. These disputes have remained unresolved from XXXX to the present.

Furthermore, they have failed to provide a complete and documented account of the investigative steps taken, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates consumer reporting agencies to disclose a description of the procedure used to determine the accuracy and completeness of the disputed information.

They have also refused to update my credit score to reflect corrected information, thereby violating 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

In addition, they have neglected to issue an updated credit report showing the removal of inaccurate or unverifiable entries, in direct contravention of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires deletion or correction of inaccurate or unverifiable information and notification to the consumer.

These ongoing failures not only violate my rights under the FCRA but also demonstrate a pattern of noncompliance consistent with prior Consumer Financial Protection Bureau ( CFPB ) enforcement actions against the credit bureaus for sham investigations and failure to correct errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I have called several times asking them to show that I am to date on my payments. They are reporting to all 3 agency 's that I am 180 days late. I have contacted aidadvantage 3 times. I am still showing 180+ days late.

Company response to consumer: Closed with explanation