vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting this complaint to address inaccurate reporting of my late-open accounts across Experian, Equifax, and TransUnion, which misrepresent my payment history and credit behavior. My Department of Education account ( XXXX XXXX XXXX ) is reported with conflicting late payment information : Experian lists XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 150 days late, Equifax lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late, and TransUnion lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late. These discrepancies create a misleading and inconsistent account history, which violates FCRA 607 ( b ) and 623 ( a ) ( 2 ) requiring that consumer reporting agencies maintain accurate and complete account information. 
Similarly, my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus, but the timing and severity of delinquencies differ between reports, creating inconsistencies in my credit file. Additionally, XXXX XXXX XXXX XXXX ) is reported as 120 days late as of XX/XX/XXXX in Equifax, while Experian and TransUnion reflect different or incomplete information. These errors compromise the accuracy and integrity of my credit report, which is protected under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting this complaint to address inaccurate reporting of my late-open accounts across Experian, Equifax, and TransUnion, which misrepresent my payment history and credit behavior. My Department of Education account ( XXXX XXXX XXXX ) is reported with conflicting late payment information : Experian lists XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 150 days late, Equifax lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late, and TransUnion lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late. These discrepancies create a misleading and inconsistent account history, which violates FCRA 607 ( b ) and 623 ( a ) ( 2 ) requiring that consumer reporting agencies maintain accurate and complete account information. 
Similarly, my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus, but the timing and severity of delinquencies differ between reports, creating inconsistencies in my credit file. Additionally, XXXX XXXX XXXX XXXX ) is reported as 120 days late as of XX/XX/XXXX in Equifax, while Experian and TransUnion reflect different or incomplete information. These errors compromise the accuracy and integrity of my credit report, which is protected under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ).

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 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because the information being furnished and reported by XXXX XXXX XXXX and XXXX XXXX  across Experian, Equifax, and TransUnion is inconsistent, misleading, and appears to violate several federal consumer protection laws, causing damage to my credit profile and financial stability. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a {$0.00} balance in both Experian and Equifax, yet the account is still displayed as active or improperly dated, creating a false impression that it continues to affect my credit when it should not, which violates FCRA 605 ( a ) regarding obsolete information and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) regarding the obligation to report accurate account details, including the proper Date of First Delinquency. Additionally, TransUnion is reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$670.00} balance, but no proper validation or confirming documentation has ever been provided despite my rights under FDCPA 809 to receive verification, and the manner of reporting appears misleading in violation of FDCPA 807 and potentially unfair under 808, as well as potentially outdated or inaccurate under FCRA 605 ( a ). These inconsistencies across the credit bureaus show that the data furnishers may not be supplying accurate or verifiable information and the bureaus may not be ensuring maximum accuracy as required under the FCRA, which has left me with a report that inaccurately portrays my financial standing and negatively impacts my ability to secure fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am filing this complaint because the information being furnished and reported by XXXX XXXX XXXX and XXXX XXXX  across Experian, Equifax, and TransUnion is inconsistent, misleading, and appears to violate several federal consumer protection laws, causing damage to my credit profile and financial stability. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a {$0.00} balance in both Experian and Equifax, yet the account is still displayed as active or improperly dated, creating a false impression that it continues to affect my credit when it should not, which violates FCRA 605 ( a ) regarding obsolete information and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) regarding the obligation to report accurate account details, including the proper Date of First Delinquency. Additionally, TransUnion is reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$670.00} balance, but no proper validation or confirming documentation has ever been provided despite my rights under FDCPA 809 to receive verification, and the manner of reporting appears misleading in violation of FDCPA 807 and potentially unfair under 808, as well as potentially outdated or inaccurate under FCRA 605 ( a ). These inconsistencies across the credit bureaus show that the data furnishers may not be supplying accurate or verifiable information and the bureaus may not be ensuring maximum accuracy as required under the FCRA, which has left me with a report that inaccurately portrays my financial standing and negatively impacts my ability to secure fair credit opportunities.

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 2025-11-17 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: FL

Complaint narrative:
Although the account has been paid in full, late payment remarks are still appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. The amount is for {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/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 2025-11-17 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 complaint as a consumer who has carefully reviewed my credit reports and discovered multiple inquiries that I did not authorize, yet continue to appear on my credit file, raising serious concerns regarding my creditworthiness and compliance with federal law. On Equifax, inquiries from XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all listed without my knowledge or authorization, and on TransUnion, inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> appear similarly without my consent. I did not initiate any of these inquiries, and no permissible purpose exists for their reporting. Under FCRA 619 15 U.S.C. 1681q, I have the right to dispute unauthorized inquiries, and the continued reporting of these inquiries may constitute a knowing or negligent violation of federal law. Furthermore, under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), consumer reporting agencies are required to furnish information only when a permissible purpose exists, such as a valid application or written consent from the consumer, which in this case is entirely absent. The inclusion of these inquiries is therefore inaccurate, unauthorized, and misleading, and it has caused unnecessary stress, concern, and potential harm to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to AMERICAN EXPRESS dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), AMERICAN EXPRESS has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. 
Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since AMERICAN EXPRESS did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure AMERICAN EXPRESSs immediate compliance with FCRA requirements. AMERICAN EXPRES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AK

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit reports as reported by Experian, Equifax, and TransUnion. Upon review, I discovered that the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been reported inconsistently across the three bureaus. In Experian, this account is inaccurately reported as a charge-off, with late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, despite the balance being {$0.00} and the last payment being made on XX/XX/XXXX. In Equifax, the same account is tied up with incorrect opening and last activity dates, reporting a last activity of XX/XX/XXXX, with a date opened of XX/XX/XXXX. In TransUnion, it shows a date opened of XX/XX/XXXX, last activity of XX/XX/XXXX, and last payment on XX/XX/XXXX, creating a conflicting history. These discrepancies violate FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute and Require Reinvestigation, 623 ( a ) ( 2 ) Duty to Correct and Update, and 605 ( a ) Obsolete Information, as the accounts do not reflect my true payment history, and the reporting is both inaccurate and misleading. I request a thorough reinvestigation of this account to correct the late payments, date of first delinquency, and status to reflect accurate, verified information. 
Additionally, I dispute multiple XXXX XXXX accounts that are reported inconsistently or incompletely across the XXXX bureaus. XXXX XXXX XXXXXXXX shows a balance of {$91.00} with late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, reported only in Experian, and absent from Equifax and TransUnion. Similarly, XXXX XXXX XXXX, balance {$950.00}, and XXXX  XXXX XXXX, balance {$110.00}, are also reported solely in Experian with the same late payment patterns but are missing from Equifax and TransUnion. Furthermore, XXXX  XXXX XXXX, balance {$84.00}, appears only in TransUnion and is tied to open accounts on Experian, creating reporting conflicts. These reporting failures violate FCRA 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditors Restrictions During Dispute, 611 Right to Dispute Inaccurate Information, and 609 Right to Full Disclosure, as the accounts balances, late payment dates, and reporting across bureaus are inconsistent. I am requesting immediate correction of these accounts to accurately reflect balances, last activity dates, late payments, and proper reporting status across all three bureaus. 
The combined errors in both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misrepresent my creditworthiness and violate the standards established under the FCRA for maximum possible accuracy and fair reporting.

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 2025-11-17 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report TransUnions continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>XXXX XXXX The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. TransUnion has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, TransUnion is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, TransUnion has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have several credit card debts in my name that I've never open credit cards for ever. They told me because there were payments made its my debt. We'll they told my wife she had to make the payments until they investigated the matter or my credit would be destroyed. She worked for years to fix both of our credit due to company breeches and people getting our info. But because she made " forced payments '' they are telling me the debt is mine. When we received the bills she contacted them right away and made them aware of this. And they still have done nothing they didnt even close the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
To Whom It May Concern, I am formally requesting complete validation of the above-referenced alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g , and reinvestigation under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i . 

This account is currently being reported as a collection account on my credit report. Since I do not recognize or acknowledge this alleged debt, I am demanding the following : Under FDCPA 1692g, provide ALL of the following : A copy of the original signed contract bearing my signature. 

Full itemized accounting showing how the {$930.00} balance was calculated. 

Proof of assignment or purchase agreement showing you legally own or have rights to collect this alleged debt. 

The name, address, and contact information of the original creditor ( THE BANK XXXX MISSOURI is not sufficient without documentation ). 

Proof that the alleged debt is within the legal statute of limitations for collection in my state. 

Your debt collector license number and proof you are authorized to collect in my state. 

Under FCRA 611 & 1681i, I am demanding : A full reinvestigation of all information you have furnished to the credit bureaus. 

Removal of this account from all credit bureaus if you can not fully verify every detail with documentation. 

Immediate update of my credit report if any part of your reporting is inaccurate, incomplete, or unverifiable. 

Important Notice : Until you provide full validation of this alleged debt : You must cease all collection activity, including reporting or verifying the account with any credit bureau. 

Continuing to report the debt without proper validation is a violation of FCRA and FDCPA, and I will not hesitate to file complaints with the CFPB, FTC, the State Attorney General, and consider further legal action. 

You have 30 days to mail me the complete documentation requested. 

If you can not validate the alleged debt, you are required by law to : Delete this account from all credit bureaus Stop all collection efforts immediately Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
NelNet cancelled my auto debit. Every time I have tried to login to my account to fix it, I get an error saying " Incorrect username or password ''. When I try retrieving my username or password using my SSN and DOB, it tells me there is no account. If I try to create an account using the same credentials, I get an error message saying my account already exists. I did receive email correspondence that XXXX account was past due, but was never able to login to correct it. I have also been unable to contact their organization. On XX/XX/year> I had multiple accounts from NelNet ( all but XXXX that I had been made aware of ) which lowered my credit score substantially. I am still unable to login, and as I had a payment plan setup that was cancelled without my consent I want to pay these loans and have the hit to my credit report reversed.

Company response to consumer: Closed with explanation